---
title: "Switzerland Expat Guide"
url: https://www.ibani.com/en/guides/expat
lang: en
date_modified: 2026-11-09
---

# Switzerland Expat Guide

Everything you need to know to settle and live in Switzerland.

## Latest Expat Articles

[![LPP buy-in 2026: worth it or not? How to calculate it | ibani](https://www.ibani.com/images/rachat-lpp-rentabilite-calcul.png)](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation)

### [LPP buy-in 2026: worth it or not? How to calculate it | ibani](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation)

Tax saving, investment period, tax on the lump sum: the formula for valuing a 2nd pillar buy-in, the three-year lock-in and the 31 December deadline.

[Read article](https://www.ibani.com/en/guides/lpp-buy-in-worth-it-calculation)

Updated on: 9 November 2026

[![Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/images/rente-veuve-ou-vieillesse-courrier-13e-rente-30-jours.png)](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days)

### [Widow's or old-age pension: the 30-day choice | ibani](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days)

Letter from your AVS fund: keep the widow's pension or switch to the old-age pension with the 13th pension. 12 versus 13 monthly payments, 30-day deadline.

[Read article](https://www.ibani.com/en/guides/widows-pension-or-old-age-pension-13th-ahv-30-days)

Updated on: 9 November 2026

[![Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/images/three-pillar-system-og-image.jpg)](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system)

### [Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system)

Swiss pension 2026: entry threshold CHF 22,680, coordination deduction CHF 26,460, minimum rate 1.25%, conversion rate 6.8%. Pension or lump sum.

[Read article](https://www.ibani.com/en/guides/op-the-swiss-pension-fund-system)

Updated on: 6 November 2026

[![Salary in US dollars in Switzerland: tax, OASI and FX | ibani](https://www.ibani.com/images/salaire-en-dollars-suisse-conversion.png)](https://www.ibani.com/en/guides/salary-in-us-dollars-switzerland-conversion)

### [Salary in US dollars in Switzerland: tax, OASI and FX | ibani](https://www.ibani.com/en/guides/salary-in-us-dollars-switzerland-conversion)

Paid in USD by an employer in Switzerland: the rate used for tax, OASI and LPP, the 120,000-franc threshold, and what the dollar cost you in 2025.

[Read article](https://www.ibani.com/en/guides/salary-in-us-dollars-switzerland-conversion)

Updated on: 5 November 2026

[![Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/images/percevoir-rente-suisse-etranger-devise.png)](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency)

### [Swiss pension abroad: payment dates, currency and tax | ibani](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency)

AVS and LPP pensions paid outside Switzerland: payment dates, the 13th pension, currency by country, exchange costs, withholding tax and tax in your country.

[Read article](https://www.ibani.com/en/guides/receive-swiss-pension-abroad-currency)

Updated on: 3 November 2026

[![Transferring your euro savings to Switzerland | ibani](https://www.ibani.com/images/transferer-epargne-eur-vers-chf-suisse.png)](https://www.ibani.com/en/guides/transfer-savings-eur-to-chf-switzerland)

### [Transferring your euro savings to Switzerland | ibani](https://www.ibani.com/en/guides/transfer-savings-eur-to-chf-switzerland)

Transferring your euro savings to Switzerland: what the bank checks, the documents needed depending on the source of funds, the exchange cost and when to convert.

[Read article](https://www.ibani.com/en/guides/transfer-savings-eur-to-chf-switzerland)

Updated on: 28 October 2026

[![Sending money to family abroad from Switzerland | ibani](https://www.ibani.com/images/envoyer-argent-famille-etranger-depuis-suisse.png)](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland)

### [Sending money to family abroad from Switzerland | ibani](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland)

Sending money to your family from Switzerland: what the intermediary checks, when you must justify a transfer, gifts, exchange controls and the real cost.

[Read article](https://www.ibani.com/en/guides/sending-money-family-abroad-from-switzerland)

Updated on: 27 October 2026

[![Buying in Switzerland as a foreigner: the Lex Koller | ibani](https://www.ibani.com/images/acheter-immobilier-suisse-etranger-lex-koller.png)](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller)

### [Buying in Switzerland as a foreigner: the Lex Koller | ibani](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller)

Cross-border worker, expat or European living outside Switzerland: who can buy a home in Switzerland without authorisation, quotas by canton, the 2026 reform.

[Read article](https://www.ibani.com/en/guides/buying-property-switzerland-foreigner-lex-koller)

Updated on: 26 October 2026

[![Cross-Border Inheritance 2026: Swiss or Foreign Law? | ibani](https://www.ibani.com/images/heritage-transfrontalier-suisse-france-loi-applicable.png)](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies)

### [Cross-Border Inheritance 2026: Swiss or Foreign Law? | ibani](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies)

Death in Switzerland or abroad: which law governs the estate, which forced heirship rules apply, and who taxes what in France, Germany, Italy, Spain and Portugal.

[Read article](https://www.ibani.com/en/guides/cross-border-inheritance-switzerland-which-law-applies)

Updated on: 22 October 2026

[![Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/images/lamal-modeles-assurance-franchise-telmed-hmo.png)](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

### [Swiss health insurance deductible 2027: the break-even | ibani](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

Deductible of 300 or 2,500, family doctor, HMO or Telmed: the exact care spend at which a high deductible stops paying, and when you may switch.

[Read article](https://www.ibani.com/en/guides/swiss-health-insurance-deductible-models-telmed-hmo)

Updated on: 20 October 2026

[![The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/images/ibani-chf-eur-thumbnail.png)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland)

### [The Ultimate Guide for the New Swiss Cross-Border Worker (2026)](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland)

2026 guide for the new Swiss cross-border worker: G permit, telework caps (40% FR, 25% IT), right of option, cantonal tax, allowances, FX.

[Read article](https://www.ibani.com/en/guides/becoming-cross-border-worker-switzerland)

Updated on: 19 October 2026

[![Moving to Dubai: Visas, Admin and Money | ibani](https://www.ibani.com/images/expatriation-dubai-emirats-arabes-unis.png)](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide)

### [Moving to Dubai: Visas, Admin and Money | ibani](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide)

Moving to Dubai in 2026: residence visa, Emirates ID, health cover, real cost of living, what happens to your OASI and Swiss pension, and how to transfer money.

[Read article](https://www.ibani.com/en/guides/moving-to-dubai-uae-expat-guide)

Updated on: 19 October 2026

[![Swiss 35% withholding tax: how to get it refunded](https://www.ibani.com/images/impot-anticipe-35-remboursement-non-resident.png)](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents)

### [Swiss 35% withholding tax: how to get it refunded](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents)

Swiss dividends and interest cut by 35%: what a resident recovers, and what a non-resident recovers under their country's tax treaty, country by country.

[Read article](https://www.ibani.com/en/guides/swiss-withholding-tax-35-refund-non-residents)

Updated on: 19 October 2026

[![Investing in Switzerland: The Complete 2026 Guide | ibani](https://www.ibani.com/images/ibani-investissement.png)](https://www.ibani.com/en/guides/how-to-invest-in-switzerland)

### [Investing in Switzerland: The Complete 2026 Guide | ibani](https://www.ibani.com/en/guides/how-to-invest-in-switzerland)

Investing in Switzerland in 2026: stocks, ETFs, pillar 3a, real estate (Lex Koller, end of imputed rental value), atypical investments and tax. Updated guide.

[Read article](https://www.ibani.com/en/guides/how-to-invest-in-switzerland)

Updated on: 19 October 2026

[![Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/images/ouvrir-un-compte-bancaire-en-suisse-pour-un-frontalier.png)](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers)

### [Opening a Swiss Bank Account: 2026 Cross-Border Worker Guide](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers)

Cross-border worker or resident: how to open a Swiss bank account in 2026. Offers with no non-resident fees, Swiss IBAN, documents and 16 accounts compared.

[Read article](https://www.ibani.com/en/guides/opening-a-swiss-bank-account-for-cross-border-workers)

Updated on: 19 October 2026

[![Moving to Switzerland: Customs Checklist | ibani](https://www.ibani.com/images/ibani-s-installer-en-suisse.jpg)](https://www.ibani.com/en/guides/moving-to-switzerland-checklist)

### [Moving to Switzerland: Customs Checklist | ibani](https://www.ibani.com/en/guides/moving-to-switzerland-checklist)

Relocating to Switzerland: FOCBS customs, permits, KVG/LAMal, vehicles, the 10M Switzerland vote, and how to transfer your funds without hidden fees.

[Read article](https://www.ibani.com/en/guides/moving-to-switzerland-checklist)

Updated on: 19 October 2026

[![Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/images/imposition-capital-2e-pilier-baremes.png)](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton)

### [Tax on 2nd pillar capital withdrawals: rates by canton 2026](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton)

LPP lump sum withdrawal: 5.7% to 9.6% tax on CHF 500,000 in 15 cantonal capitals. 2026 rates, the effect of staggering and the case of non-residents.

[Read article](https://www.ibani.com/en/guides/pension-capital-withdrawal-tax-by-canton)

Updated on: 15 October 2026

[![Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/images/assurance-maladie-retraite-frontalier-fin-droit-option.png)](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

### [Health insurance in retirement: LAMal or country of residence?](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

Swiss pension only, a French pension too, a third-country pension: who insures you in retirement, when to exercise the right of option again, and at what cost.

[Read article](https://www.ibani.com/en/guides/health-insurance-retirement-cross-border-worker-right-of-option)

Updated on: 7 October 2026

[![Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/images/retraite-avs-maximale.jpg)](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad)

### [Life certificate: drawing your Swiss pension abroad | ibani](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad)

Life and civil status certificate 2026: who still has to file it to keep drawing an AVS or LPP pension abroad, the 90-day deadline, exemptions and suspension.

[Read article](https://www.ibani.com/en/guides/life-certificate-swiss-pension-abroad)

Updated on: 30 September 2026

[![Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/images/ibani-lpp-suisse-retraite-large.jpg)](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal)

### [Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal)

Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation.

[Read article](https://www.ibani.com/en/guides/swiss-lpp-2nd-pillar-simulator-withdrawal)

Updated on: 30 September 2026

[![Moving to Switzerland with a Pet: Vet Rules | ibani](https://www.ibani.com/images/ibani-s-installer-en-suisse-animaux.jpg)](https://www.ibani.com/en/guides/moving-to-switzerland-with-pets-veterinary-rules)

### [Moving to Switzerland with a Pet: Vet Rules | ibani](https://www.ibani.com/en/guides/moving-to-switzerland-with-pets-veterinary-rules)

Microchip, rabies vaccine, EU pet passport, customs and AMICUS registration: all the 2026 veterinary rules to move to Switzerland with your dog, cat or ferret.

[Read article](https://www.ibani.com/en/guides/moving-to-switzerland-with-pets-veterinary-rules)

Updated on: 30 September 2026

[![Moving to Switzerland from Singapore: Visa, Study and Work](https://www.ibani.com/images/ibani-suisse-singapour-visa.jpg)](https://www.ibani.com/en/guides/moving-switzerland-singapore-visa-work-study)

### [Moving to Switzerland from Singapore: Visa, Study and Work](https://www.ibani.com/en/guides/moving-switzerland-singapore-visa-work-study)

Expert guide for Singaporean citizens: visa exemption, immigration procedures, study permits, obtaining a work permit, and settling in Switzerland.

[Read article](https://www.ibani.com/en/guides/moving-switzerland-singapore-visa-work-study)

Updated on: 30 September 2026

[![Moving to Switzerland: your first 30 days | ibani](https://www.ibani.com/images/guide-expatrie-suisse.png)](https://www.ibani.com/en/guides/expat-switzerland-first-days-admin-checklist)

### [Moving to Switzerland: your first 30 days | ibani](https://www.ibani.com/en/guides/expat-switzerland-first-days-admin-checklist)

B permit, registration (14 days), rent deposit and LAMal (3 months from registration): the step-by-step admin checklist for new expats in Switzerland in 2026.

[Read article](https://www.ibani.com/en/guides/expat-switzerland-first-days-admin-checklist)

Updated on: 30 September 2026

[![Swiss Payslip 2026: OASI, DI and LEC Contributions | ibani](https://www.ibani.com/images/fiche-paie-suisse-cotisations.png)](https://www.ibani.com/en/guides/swiss-paycheck)

### [Swiss Payslip 2026: OASI, DI and LEC Contributions | ibani](https://www.ibani.com/en/guides/swiss-paycheck)

OASI, DI, LEC, unemployment, LOB, accident cover: what each line deducts from your gross Swiss salary in 2026, with official rates and a full net calculation.

[Read article](https://www.ibani.com/en/guides/swiss-paycheck)

Updated on: 30 September 2026

[![Swiss Rent Guarantee: How to Block Funds from Abroad in 2026](https://www.ibani.com/images/ibani-garantie-loyer-suisse.jpg)](https://www.ibani.com/en/guides/swiss-rent-guarantee-deposit-from-abroad)

### [Swiss Rent Guarantee: How to Block Funds from Abroad in 2026](https://www.ibani.com/en/guides/swiss-rent-guarantee-deposit-from-abroad)

2026 Guide for expats: how to open and fund a Swiss rent guarantee account from Europe while limiting the cost of exchange.

[Read article](https://www.ibani.com/en/guides/swiss-rent-guarantee-deposit-from-abroad)

Updated on: 30 September 2026

[![Importing Your Vehicle to Switzerland: Taxes, Customs, Plates](https://www.ibani.com/images/ibani-importation-vehicule-suisse.jpg)](https://www.ibani.com/en/guides/import-vehicle-switzerland-taxes-customs)

### [Importing Your Vehicle to Switzerland: Taxes, Customs, Plates](https://www.ibani.com/en/guides/import-vehicle-switzerland-taxes-customs)

Importing a car to Switzerland: exemption (form 18.44), import taxes, inspection report 13.20 A, vehicle inspection and Swiss license plates.

[Read article](https://www.ibani.com/en/guides/import-vehicle-switzerland-taxes-customs)

Updated on: 30 September 2026

[![Buy-to-let property abroad from Switzerland | ibani](https://www.ibani.com/images/investissement-locatif-etranger-depuis-suisse.png)](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland)

### [Buy-to-let property abroad from Switzerland | ibani](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland)

Swiss resident letting a property in France, Spain, Portugal, Italy or Germany? Local tax, Swiss rate, interest, 2nd pillar, currency exchange: 2026 guide.

[Read article](https://www.ibani.com/en/guides/buy-to-let-abroad-from-switzerland)

Updated on: 30 September 2026

[![2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/images/retraite-suisse-trois-piliers-b2b.jpg)](https://www.ibani.com/en/guides/the-swiss-three-pillars-system)

### [2026 Expert Guide: The Swiss Three Pillars Retirement System](https://www.ibani.com/en/guides/the-swiss-three-pillars-system)

Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies.

[Read article](https://www.ibani.com/en/guides/the-swiss-three-pillars-system)

Updated on: 30 September 2026

[![Guide to Transport in Geneva 2026: Optimize Your Commute | ibani](https://www.ibani.com/images/transports-region-genevoise.jpg)](https://www.ibani.com/en/guides/transports-in-geneva)

### [Guide to Transport in Geneva 2026: Optimize Your Commute | ibani](https://www.ibani.com/en/guides/transports-in-geneva)

Cross-border worker or newcomer to Geneva? Transport solutions for 2026 (Léman Express, TPG passes covered for young people under conditions, bikes).

[Read article](https://www.ibani.com/en/guides/transports-in-geneva)

Updated on: 30 September 2026

[![Renting an Apartment in Switzerland: The Ultimate Guide | ibani](https://www.ibani.com/images/guide-expatrie-suisse.png)](https://www.ibani.com/en/guides/rent-apartment-switzerland)

### [Renting an Apartment in Switzerland: The Ultimate Guide | ibani](https://www.ibani.com/en/guides/rent-apartment-switzerland)

Discover how to build the perfect rental application to rent an apartment in Switzerland in 2026. Real estate websites, students, debt register, and deposit.

[Read article](https://www.ibani.com/en/guides/rent-apartment-switzerland)

Updated on: 30 September 2026

[![Swiss Naturalisation 2026: Steps and Requirements | ibani](https://www.ibani.com/images/naturalisation-suisse-etapes-conditions.png)](https://www.ibani.com/en/guides/swiss-naturalisation-steps-requirements)

### [Swiss Naturalisation 2026: Steps and Requirements | ibani](https://www.ibani.com/en/guides/swiss-naturalisation-steps-requirements)

C permit, 10 years of residence, B1 speaking, cantonal test, fees: every step of Swiss naturalisation in 2026, from filing your file to the passport.

[Read article](https://www.ibani.com/en/guides/swiss-naturalisation-steps-requirements)

Updated on: 30 September 2026

[![Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries](https://www.ibani.com/images/ibani-emploi-suisse.jpg)](https://www.ibani.com/en/guides/jobs-demand-switzerland)

### [Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries](https://www.ibani.com/en/guides/jobs-demand-switzerland)

Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their median salaries.

[Read article](https://www.ibani.com/en/guides/jobs-demand-switzerland)

Updated on: 30 September 2026

[![Opening a Bank Account in Hong Kong: ZA Bank or HSBC | ibani](https://www.ibani.com/images/ouvrir-compte-bancaire-hong-kong-banques-virtuelles.png)](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks)

### [Opening a Bank Account in Hong Kong: ZA Bank or HSBC | ibani](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks)

Traditional or digital banks (ZA Bank, Mox) in Hong Kong: who can open what, the HKID constraint, the real timelines and the cost of converting into francs.

[Read article](https://www.ibani.com/en/guides/open-bank-account-hong-kong-digital-banks)

Updated on: 30 September 2026

[![Swiss Residence & Work Permits (B, C, G, L): 2026 Guide | ibani](https://www.ibani.com/images/permis-de-travail-g-suisse.jpg)](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l)

### [Swiss Residence & Work Permits (B, C, G, L): 2026 Guide | ibani](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l)

Permit B, C, G or L: which Swiss residence or work permit do you need in 2026? Conditions, procedures, taxation and salary management.

[Read article](https://www.ibani.com/en/guides/swiss-residence-work-permits-b-c-g-l)

Updated on: 30 September 2026

[![Resigning in Switzerland: the notice rule that costs a month](https://www.ibani.com/images/quitter-emploi-suisse.png)](https://www.ibani.com/en/guides/quit-job-switzerland)

### [Resigning in Switzerland: the notice rule that costs a month](https://www.ibani.com/en/guides/quit-job-switzerland)

Notice expires at the end of a month: one day late moves your departure by a whole month. Periods by seniority, benefits by country, second pillar and G permit.

[Read article](https://www.ibani.com/en/guides/quit-job-switzerland)

Updated on: 30 September 2026

[![Leaving Switzerland: the 2026 departure checklist | ibani](https://www.ibani.com/images/quitter-la-suisse-checklist-depart.png)](https://www.ibani.com/en/guides/leaving-switzerland-checklist)

### [Leaving Switzerland: the 2026 departure checklist | ibani](https://www.ibani.com/en/guides/leaving-switzerland-checklist)

Leaving Switzerland in 2026: departure notification, 2nd pillar, OASI, 3rd pillar, C permit. Four decisions must be made before you go. The full timeline.

[Read article](https://www.ibani.com/en/guides/leaving-switzerland-checklist)

Updated on: 30 September 2026

[![Repatriating capital from Hong Kong to Switzerland 2026 | ibani](https://www.ibani.com/images/rapatriement-capital-fin-mission-hong-kong.png)](https://www.ibani.com/en/guides/repatriating-capital-end-of-assignment-hong-kong)

### [Repatriating capital from Hong Kong to Switzerland 2026 | ibani](https://www.ibani.com/en/guides/repatriating-capital-end-of-assignment-hong-kong)

End of assignment in Hong Kong: IR56G tax clearance, MPF withdrawal, real transfer times for HKD to Switzerland and the AMLA framework on arrival.

[Read article](https://www.ibani.com/en/guides/repatriating-capital-end-of-assignment-hong-kong)

Updated on: 30 September 2026

[![Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/images/lpp-achat-immobilier-etranger.png)](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad)

### [Withdraw 2nd Pillar (BVG) to buy property abroad | ibani](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad)

Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate.

[Read article](https://www.ibani.com/en/guides/withdraw-2nd-pillar-property-abroad)

Updated on: 30 September 2026

[![Repatriating Funds from Singapore to Switzerland | Expert Guide](https://www.ibani.com/images/rapatriement-fonds-singapour-suisse.png)](https://www.ibani.com/en/guides/repatriate-funds-switzerland-singapore)

### [Repatriating Funds from Singapore to Switzerland | Expert Guide](https://www.ibani.com/en/guides/repatriate-funds-switzerland-singapore)

Expert guide and official sources: capital transfer, SRS/CPF liquidation, and SGD/CHF exchange rate optimization when relocating from Singapore to Switzerland.

[Read article](https://www.ibani.com/en/guides/repatriate-funds-switzerland-singapore)

Updated on: 30 September 2026

[![Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees](https://www.ibani.com/images/retraite-avs-maximale.jpg)](https://www.ibani.com/en/guides/maximum-avs-pension)

### [Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees](https://www.ibani.com/en/guides/maximum-avs-pension)

Complete breakdown of the conditions (Scale 44, Average Annual Income, Splitting) to reach the AHV pension ceiling of 2,520 CHF and optimize its repatriation abroad.

[Read article](https://www.ibani.com/en/guides/maximum-avs-pension)

Updated on: 30 September 2026

[![Swiss Retirement Abroad (Portugal, Spain) | ibani](https://www.ibani.com/images/ibani-lpp-suisse-retraite-large.jpg)](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain)

### [Swiss Retirement Abroad (Portugal, Spain) | ibani](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain)

2026 guide: retiring in Portugal or Spain with a Swiss pension. Exporting your AVS and LPP, withholding tax, taxation, LAMal and converting CHF into EUR.

[Read article](https://www.ibani.com/en/guides/swiss-pension-expatriation-portugal-spain)

Updated on: 30 September 2026

[![Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage](https://www.ibani.com/images/ibani-salaire-suisse-thumbnail-large.jpg)](https://www.ibani.com/en/guides/average-salary-switzerland)

### [Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage](https://www.ibani.com/en/guides/average-salary-switzerland)

Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.

[Read article](https://www.ibani.com/en/guides/average-salary-switzerland)

Updated on: 30 September 2026

[![Swiss Workplace Etiquette: The 2026 Business Culture Guide](https://www.ibani.com/images/savoir-vivre-entreprise-suisse-culture.png)](https://www.ibani.com/en/guides/swiss-workplace-etiquette-business-culture)

### [Swiss Workplace Etiquette: The 2026 Business Culture Guide](https://www.ibani.com/en/guides/swiss-workplace-etiquette-business-culture)

Punctuality, formal address, meetings, apéro, emails: the unwritten rules of Swiss business culture in 2026, from the Röstigraben to Swiss employment law.

[Read article](https://www.ibani.com/en/guides/swiss-workplace-etiquette-business-culture)

Updated on: 30 September 2026

[![Getting Married in Switzerland as a Foreigner: 2026 Guide | ibani](https://www.ibani.com/images/se-marier-en-suisse-etranger-procedure.png)](https://www.ibani.com/en/guides/getting-married-switzerland-foreigners-procedure)

### [Getting Married in Switzerland as a Foreigner: 2026 Guide | ibani](https://www.ibani.com/en/guides/getting-married-switzerland-foreigners-procedure)

Preparatory procedure, legalised documents, lawful residence, a three-month window and real costs: how to marry in Switzerland as a foreigner in 2026, tax included.

[Read article](https://www.ibani.com/en/guides/getting-married-switzerland-foreigners-procedure)

Updated on: 30 September 2026

[![UN operational rate of exchange: pay and expenses | ibani](https://www.ibani.com/images/taux-change-operationnel-onu-geneve.png)](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva)

### [UN operational rate of exchange: pay and expenses | ibani](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva)

The UN rate is not a bank rate: it is set for a period and used to record everything. What it changes for a salary, an expense claim and a pension in Geneva.

[Read article](https://www.ibani.com/en/guides/un-operational-rate-of-exchange-geneva)

Updated on: 30 September 2026

[![Working in two Swiss cantons: which tax rules apply? | ibani](https://www.ibani.com/images/ibani-impots.png)](https://www.ibani.com/en/guides/working-two-swiss-cantons-taxation)

### [Working in two Swiss cantons: which tax rules apply? | ibani](https://www.ibani.com/en/guides/working-two-swiss-cantons-taxation)

Working in two Swiss cantons in 2026: withholding tax, the global-rate rule and salary centralisation for cross-border and B permit workers.

[Read article](https://www.ibani.com/en/guides/working-two-swiss-cantons-taxation)

Updated on: 30 September 2026

[![Writing your CV and Applying for a Job in Switzerland (2026)](https://www.ibani.com/images/ibani-cv-job-suisse.jpg)](https://www.ibani.com/en/guides/finding-a-job-in-switzerland)

### [Writing your CV and Applying for a Job in Switzerland (2026)](https://www.ibani.com/en/guides/finding-a-job-in-switzerland)

Discover the exact methodology to land a job in Switzerland in 2026. Complete guide on the Swiss CV format, application dossier, and essential job boards.

[Read article](https://www.ibani.com/en/guides/finding-a-job-in-switzerland)

Updated on: 30 September 2026

[![Relocating and Living in Switzerland: The 2026 Expert Guide](https://www.ibani.com/images/fondue.png)](https://www.ibani.com/en/guides/moving-to-switzerland)

### [Relocating and Living in Switzerland: The 2026 Expert Guide](https://www.ibani.com/en/guides/moving-to-switzerland)

Complete and updated guide to moving to Switzerland: residence permits (SEM), cost of living (FSO), mandatory insurance (KVG/LAMal), and financial optimization.

[Read article](https://www.ibani.com/en/guides/moving-to-switzerland)

Updated on: 30 September 2026

[![Guide to OASI: Old Age and Survivors' Insurance in Switzerland](https://www.ibani.com/images/avs-illustration.jpg)](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance)

### [Guide to OASI: Old Age and Survivors' Insurance in Switzerland](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance)

Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.

[Read article](https://www.ibani.com/en/guides/oasi-old-age-and-survivor-insurance)

Updated on: 29 September 2026

[![Free bank account in Switzerland: the hidden costs | ibani](https://www.ibani.com/images/compte-bancaire-gratuit-suisse-contreparties.png)](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs)

### [Free bank account in Switzerland: the hidden costs | ibani](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs)

CHF 0 Swiss accounts in 2026 (neon, Zak, Yuh, UBS, ZKB…): what they charge elsewhere (exchange, withdrawals, conditions) and the real cost over a year, in figures.

[Read article](https://www.ibani.com/en/guides/free-bank-account-switzerland-hidden-costs)

Updated on: 28 September 2026

[![Wealth tax in Switzerland: what is taxed, canton by canton](https://www.ibani.com/images/impot-fortune-suisse-cantons.png)](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons)

### [Wealth tax in Switzerland: what is taxed, canton by canton](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons)

Who pays wealth tax in Switzerland, on what, and how much by canton. Euro accounts, property abroad, 2nd pillar, crypto: what you must declare in 2026.

[Read article](https://www.ibani.com/en/guides/wealth-tax-switzerland-cantons)

Updated on: 28 September 2026

[![ANobAG in Switzerland: who pays your contributions | ibani](https://www.ibani.com/images/anobag-employeur-etranger-suisse-cotisations.png)](https://www.ibani.com/en/guides/anobag-foreign-employer-switzerland-contributions)

### [ANobAG in Switzerland: who pays your contributions | ibani](https://www.ibani.com/en/guides/anobag-foreign-employer-switzerland-contributions)

Employed in Switzerland by a foreign company with no place of business here: you pay 12.8% in contributions instead of 6.4%. What you owe, and how to register.

[Read article](https://www.ibani.com/en/guides/anobag-foreign-employer-switzerland-contributions)

Updated on: 22 September 2026

## Convert your currencies

Compare and convert your currencies at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount.

[Open the converter](https://www.ibani.com/en/currency-converter)
