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Old 12.04.2015, 17:10
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Living in Germany, Working in Switzerland

Dear All,

First of all, apologize to open a new topic, but I could not find the answer to my questions in the available topics.

Brief background:
Currently I am living in the Netherlands and thinking to move to Switzerland within my company. I have a wife and in september will have a son After birth my family and probably me will spend half a year in Hungary (our home country) because of grandparents and other stuffs...I will commute between Hungary and Netherlands/Switzerland in this period.

And my questions:
My company's office is in Schaffhausen very close to the border and that is why thinking to live in Singen, Konstanz or in this area in Germany. In this case, where do I have to pay the taxes (income tax, etc), health insurances and any other fees? Is there any other cost what I good to know?

I heard a so-called "Grenzegänger" but I only found german based information on the internet and unfortunately, I do not understand it. Can you explain briefly what it is exactly? Do I have to count with this?

Furthermore, I have checked my net salary with an online calculator and seemed that my net salary will be higher if I have a wife and a kid. Can I get this benefit if I live in Germany?

Every comments more than appreciated!

Thank you in advance!
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Old 12.04.2015, 17:18
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Re: Living in Germany, Working in Switzerland

Taxes: where you live.
Health insurance: the easiest option is a Grenzgänger-contract with a Swiss insurance, you go with a special paper to a German insurance and you are insured in both countries even if you only pay the Swiss premium.
Grenzgänger means that you are allowed to live in Germany by the Germans because you make money somewhere (in your case Switzerland), and allowed to work in Switzerland because an employer wants you. It means that you are not allowed to stay more than half of the year's nights on Swiss territory each year, which is easy as your home is in Germany.
Benefits in Germany: child benefit, yes. But you'll have to pay higher taxes in Germany than you ever would in Switzerland. You have to ask a tax adviser to make the calculation for you in Germany as the system is quite complex and your Swiss salary will be high by German standards.
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Old 12.04.2015, 17:31
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Re: Living in Germany, Working in Switzerland

Thank you Faltrad!

Yep, I want to ask a tax advisor just thought to ask the forum first

I am asking it because as far as I knew I have to pay income tax where you work...but I have not been 100% sure about it...

I thought this because my friends live in Germany but work in Luxemburg and they only pay taxes in Luxemburg.
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Old 12.04.2015, 18:00
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Re: Living in Germany, Working in Switzerland

Between Switzerland and Germany, the deal is:
- you pay your taxes where you live within a given zone by the border,
- the border zone is quite large, ask for the exact map at a Grenzgänger-information center in Konstanz if you want to live further up in the woods,
- 4,5% is a tax that is paid at source to Switzerland but deducted from your German taxes, so mathematically, you pay the German tax only,

It differs by region and countries. It's the way it is for the Rhine-border CH/D.

Careful with the German taxes and family benefits: Ask the tax adviser if you are allowed to make claims for a family that does not live officially in Germany. Depending on the claim, conditions can be tricky, just check.
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Old 12.04.2015, 18:09
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Re: Living in Germany, Working in Switzerland

Thank you again
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