--- title: "Life & Finance in Switzerland" url: https://www.ibani.com/en/guides/personal lang: en date_modified: 2026-11-09 --- # 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](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 [![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 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 [![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 [![Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/images/ibani-achat-immobilier-frontalier.jpg)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) ### [Buying Property in the Border Zone with a CHF Salary (2026)](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Expert guide for cross-border workers: calculating borrowing capacity (HCSF), CHF salary haircut, and choosing between a foreign currency loan and a EUR loan. [Read article](https://www.ibani.com/en/guides/buying-property-border-zone-chf-salary) Updated on: 30 September 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 [![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 [![Getting fired in Switzerland, what are your rights? | ibani](https://www.ibani.com/images/ibani-frontaliers-licenciement-suisse-og-image.jpg)](https://www.ibani.com/en/guides/getting-fired-in-switzerland) ### [Getting fired in Switzerland, what are your rights? | ibani](https://www.ibani.com/en/guides/getting-fired-in-switzerland) You are a cross-border worker in Switzerland and your employer just fired you? Know your rights and the procedure to follow. [Read article](https://www.ibani.com/en/guides/getting-fired-in-switzerland) 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 [![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 [![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 [![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 [![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 [![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 [![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 [![13th month salary Switzerland 2026: rules and tax | ibani](https://www.ibani.com/images/13eme-salaire-suisse-obligation-calcul.png)](https://www.ibani.com/en/guides/13th-month-salary-switzerland-rules-calculation) ### [13th month salary Switzerland 2026: rules and tax | ibani](https://www.ibani.com/en/guides/13th-month-salary-switzerland-rules-calculation) 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. [Read article](https://www.ibani.com/en/guides/13th-month-salary-switzerland-rules-calculation) 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. [See the CHF → EUR rate](https://www.ibani.com/en/currency-converter/chf-to-eur-rate)