Life & Finance in Switzerland
Guides to managing your finances, housing, and career in Switzerland.
Guides for Individuals
LPP buy-in 2026: worth it or not? How to calculate it | ibani
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.
Updated on: 9 November 2026
Widow's or old-age pension: the 30-day choice | ibani
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.
Updated on: 9 November 2026
Swiss 2nd pillar (OP) 2026: figures, pension and withdrawal
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.
Updated on: 6 November 2026
Swiss pension abroad: payment dates, currency and tax | ibani
AVS and LPP pensions paid outside Switzerland: payment dates, the 13th pension, currency by country, exchange costs, withholding tax and tax in your country.
Updated on: 3 November 2026
Transferring your euro savings to Switzerland | ibani
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.
Updated on: 28 October 2026
Sending money to family abroad from Switzerland | ibani
Sending money to your family from Switzerland: what the intermediary checks, when you must justify a transfer, gifts, exchange controls and the real cost.
Updated on: 27 October 2026
Buying in Switzerland as a foreigner: the Lex Koller | ibani
Cross-border worker, expat or European living outside Switzerland: who can buy a home in Switzerland without authorisation, quotas by canton, the 2026 reform.
Updated on: 26 October 2026
Cross-Border Inheritance 2026: Swiss or Foreign Law? | ibani
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.
Updated on: 22 October 2026
Swiss 35% withholding tax: how to get it refunded
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.
Updated on: 19 October 2026
Investing in Switzerland: The Complete 2026 Guide | ibani
Investing in Switzerland in 2026: stocks, ETFs, pillar 3a, real estate (Lex Koller, end of imputed rental value), atypical investments and tax. Updated guide.
Updated on: 19 October 2026
Moving to Switzerland: Customs Checklist | ibani
Relocating to Switzerland: FOCBS customs, permits, KVG/LAMal, vehicles, the 10M Switzerland vote, and how to transfer your funds without hidden fees.
Updated on: 19 October 2026
Tax on 2nd pillar capital withdrawals: rates by canton 2026
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.
Updated on: 15 October 2026
Buying Property in the Border Zone with a CHF Salary (2026)
Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan.
Updated on: 30 September 2026
Life certificate: drawing your Swiss pension abroad | ibani
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.
Updated on: 30 September 2026
Swiss LPP (2nd Pillar): 2026 Simulator, Taxation & Withdrawal
Swiss LPP (BVG): calculate your capital with our interactive simulator. Coordination deduction rules, WEF and cross-border withdrawal taxation.
Updated on: 30 September 2026
Swiss Payslip 2026: OASI, DI and LEC Contributions | ibani
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.
Updated on: 30 September 2026
Getting fired in Switzerland, what are your rights? | ibani
You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow.
Updated on: 30 September 2026
Buy-to-let property abroad from Switzerland | ibani
Swiss resident letting a property in France, Spain, Portugal, Italy or Germany? Local tax, Swiss rate, interest, 2nd pillar, currency exchange: 2026 guide.
Updated on: 30 September 2026
2026 Expert Guide: The Swiss Three Pillars Retirement System
Discover OASI, Caisse de Pension (LPP), and 3rd pillar (3a) in Switzerland for 2026. Updated amounts, 13th AVS payment, and expert tax strategies.
Updated on: 30 September 2026
Job Opportunities in Switzerland 2026: Sectors, Jobs and Salaries
Swiss Job Market Barometer 2026: Discover the sectors facing talent shortages, the Top 10 most in-demand jobs, and their median salaries.
Updated on: 30 September 2026
Resigning in Switzerland: the notice rule that costs a month
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.
Updated on: 30 September 2026
Withdraw 2nd Pillar (BVG) to buy property abroad | ibani
Expert guide: using your Swiss 2nd pillar (BVG/LPP) to buy a house abroad. Conditions, international taxes, and optimizing the exchange rate.
Updated on: 30 September 2026
Maximum AHV Pension (2,520 CHF): The Guide for Future Retirees
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.
Updated on: 30 September 2026
Swiss Retirement Abroad (Portugal, Spain) | ibani
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.
Updated on: 30 September 2026
Average Salary Switzerland 2026: Jobs, Cantons & Minimum Wage
Swiss salary guide 2026: Average income by job, Geneva minimum wage (24.59 CHF/h), and net salary calculator for cross-border workers.
Updated on: 30 September 2026
Writing your CV and Applying for a Job in Switzerland (2026)
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.
Updated on: 30 September 2026
Guide to OASI: Old Age and Survivors' Insurance in Switzerland
Everything you need to know about OASI: Understand how the first pillar of Swiss retirement works and its benefits.
Updated on: 29 September 2026
Free bank account in Switzerland: the hidden costs | ibani
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.
Updated on: 28 September 2026
Wealth tax in Switzerland: what is taxed, canton by canton
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.
Updated on: 28 September 2026
13th month salary Switzerland 2026: rules and tax | ibani
No federal law requires a 13th month salary, yet 75.9% of employees receive one. Legal qualification, pro rata on departure, withholding tax and 2026 pitfalls.
Updated on: 12 August 2026
Your money in CHF, your spending in EUR
Convert your Swiss francs to euros at the real market rate, plus a margin of 0.40% to 0.15% depending on the amount.