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Old 05.10.2013, 13:02
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Moving to Basel in Dec. Some quick questions!

Hey Guys and Gals;

I great job opportunity came by last week for working for a well known international company at Basel Airport, I accepted their job offer and I will be moving to Basel around Dec. time.

I have some questions (that I probably should have asked before I accepted their offer), mainly about day to day life in Basel, I will be greatful for any help.

---

A little bit about me, I'm 28 year old, single guy working in Aviation industry in Southampton, I earn a quite decent money (~£43K+) and since my mortgage is being paid literally by renting the other two rooms in my house, my expenditure is quite low so the vast amount of my money is being spent on travelling and other aspects of my social life.

---

So when they offered me 84500 CHF (6500 CHF x 13) and first year re-accomodation help of 7500 CHF, I jumped on the opportunity without doing much research (I know crazy!! right?)

When I started reading this forum about the kind of money you could have a decent and comfortable life on, started to panic, with some suggestions ranging from 120K-200K CHF for a family of two!

now my first question is, as a single guy, can I have a relatively comfortable life with 6500 CHF? I do realise I probably have to reduce the number of nights I go out for drinks/food, but I still don't want to worry about money all the time (maybe going out couple of night a week)?

Also, my recruitment agent told me to expect to pay about 20% tax and other obligatory deductions (5.15% AHV, 1.19% accident insurance, 1.10% ALV, 0.35% illness insurance and 4.30% pension fund deduction) - does that sound reasonable to you guys? I had quick look at the Credit Suisse tax calculator and that freaked me out as it came to about 25% just tax deductions!!

I do very much appreciate any feedback, I know this question has been asked 100 times, and trust me I read all 100 threads and it just confused me even more.

P.S I'm planning to get a flatshare through Flatrooms.com so don't expect to pay more than 700-800 CHF for rental in Basel (inc. bills) - I hope that would help me to socialise and help start learning German.
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Old 05.10.2013, 14:16
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Re: Moving to Basel in Dec. Some quick questions!

Don't panic.
I arrived recently and would say you can get by comfortably for much less than 6500 CHF a month, particularly as you are willing to share a flat, you can get something under 1000 a month even without sharing, and certainly sharing there were several offers in the 700-800 range, and there are some lower.

This was similarly discussed recently in another thread where a PhD student in Zurich was discussing a salary that is maybe half of what you are going to get, and the general consensus (apart from one or two posters) was that the student could get by comfortably if sharing a house (rents are generally costlier in Zurich).

For the rates that will get deducted, try a couple of tax calculators beyond the one you used. Don't forget to include the compulsory health insurance (which in your case will be costlier than for students).
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Old 05.10.2013, 14:24
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Re: Moving to Basel in Dec. Some quick questions!

6500 per month? dont worry and get excited because you can live very comfortable even if you get a proper apartment instead of the flatshare.
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Old 05.10.2013, 14:41
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Re: Moving to Basel in Dec. Some quick questions!

Well as an immigrant, considering that I lived for CHF 1,300 (rent + food) for a almost a year in Switzerland, I can assure you, that you won't be starving to death.

Last edited by vribium; 05.10.2013 at 15:34.
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Old 05.10.2013, 23:16
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Re: Moving to Basel in Dec. Some quick questions!

Thanks guys, that does give me a peace of mind.

I'm wondering though, does anyone know what effective tax rate I'm looking to pay, the reason I'm asking is that I'm trying to make a budget and try and stick with it, so I'm trying to figure out how much tax I will be paying (since i know pretty much how much is going to be my obligatory deductions).

While we are at it, does anyone know of a Health Insurance Broker (if they do exist), who speaks English and can me help me through this mess! here i do have health insurance but it is all sorted through my employer as a benefit.

one final question for tonight, can I get a travel card that covers Basel trams and buses (specially the bus to the airport) for a monthly fee? or something similar to Oyster card where I have to top it up?

All your continued help is much appreciated.
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Old 05.10.2013, 23:31
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Re: Moving to Basel in Dec. Some quick questions!

Hi there.
Your employer should be able to give you an accurate forecast of the deductions that will come out of your salary, so I would advise you to contact them regarding this.

You can get a monthly travel card covering the entire Basel region for approximately 70 francs a month. On the other hand, it is really easy to get around everywhere in Basel by bike (including the airport), so you might consider buying one if don't already have one. Then you can buy 6-trip cards that are cheaper than buying single tickets to use, in case you don't want to cycle. I have a bike and probably spend about 15francs a month on tram fares.

The BVB site will give you more information. http://bvb.ch/en/tickets-fares/standard-fares
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Old 05.10.2013, 23:31
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Re: Moving to Basel in Dec. Some quick questions!

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Thanks guys, that does give me a peace of mind.

I'm wondering though, does anyone know what effective tax rate I'm looking to pay, the reason I'm asking is that I'm trying to make a budget and try and stick with it, so I'm trying to figure out how much tax I will be paying (since i know pretty much how much is going to be my obligatory deductions).

While we are at it, does anyone know of a Health Insurance Broker (if they do exist), who speaks English and can me help me through this mess! here i do have health insurance but it is all sorted through my employer as a benefit.
You can try en.comparis.ch . It will give you comparison of all health insurance costs. It will differ depending on where you live (!) and what you want to have.
You can always take only the mandatory health insurance (minimum) from Assura; and add other insurances bit later.


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one final question for tonight, can I get a travel card that covers Basel trams and buses (specially the bus to the airport) for a monthly fee? or something similar to Oyster card where I have to top it up?

All your continued help is much appreciated.
yes, you can. It covers Basel and trip to the airport; and you can pay monthly. http://www.tnw.ch/english/ (U-Abo)
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Old 05.10.2013, 23:50
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Re: Moving to Basel in Dec. Some quick questions!

http://www.estv2.admin.ch/e/dienstle...uerrechner.htm


This should be pretty accurate considering that is of the swiss government. Insert your brutto annual income and your marital status, as well as the place where you plan to live. Also remember that you have to put your religion (protestant, catholic, atheist) and that you also pay taxes for it.

Social insurances are fixed (between 10 an 12%) while taxes depend on income, family status and place of residence. I think you will pay something between 22 and 25% for both depending if you choose Basel Stadt or Basel Land. I think in case of singles BS and BL are roughly equivalent....

6500 chf a month plus 13th month should be fine. You will probably be getting around 4500-4800 chf netto a month and if you consider approximately 300-400 chf for insurance, the rest are for you to spend.

I was supported by my company's insurance service who spoke English and went for Swica which is a bit more expensive. I think they also provide you with docs in english if you ask them.

Going out here can be costly. Consider between 40 and 60 chf for a dinner in normal restaurants not the fancy ones. A drink is between 8 and 15 chf depending on what you are getting. So roughly a budget of 100 chf would be necessary for two/three nights out every week.

I think you will do great and will probably able to get a small flat on you own as well.
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Old 05.10.2013, 23:54
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Re: Moving to Basel in Dec. Some quick questions!

Thank you for the explaination 73 CHF seems quite reasonable. Debra I wish I was a biker! I bought one three years ago and it still seats in its boxes in my garage!!

The funny is before I had signed my contract with my employer their HR people were very willing to answer any questions, but now I have to wait 3/4 days for an answer to simple question, I have already asked about the taxed and other deductions, hopefully they can confirm something soon.

In regard with the insurance, I have been checking the en.coomparis for a week now, but cant make sense of it! so many different option, I did see the Assura but didn't know that is the minimum requirements, based on 300 CHF deduction the quote im given is not much cheaper than a HMO model though! that is around 340 franks.
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Old 06.10.2013, 00:01
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Re: Moving to Basel in Dec. Some quick questions!

Excuse my ignorance Lost Diamond, but by Social Insurance do you actually mean the mandatory deductions that my contract has listed (AHV, ALV, accident insurance, pension fun deductions, etc?)

For my insurance i think I'm gonna go with the cheapest I can find with lowest deductable, whatever that is, obviously if the insurance can provide the forms and doctors in English that would be massive plus!
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Old 06.10.2013, 00:11
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Re: Moving to Basel in Dec. Some quick questions!

Lot of discussions on the topic of UK versus Swiss salaries but my opinion is if you divide your gross Swiss salary by 2 then you will have the same standard of living here as in UK as shown by the result.
So basically expect to have the same standard of living as you do currently.

Of course you can live better by shopping cheaper in France or Germany which is easy from Basel airport; also nights out are much cheaper in these countries.

I remember a circular bar in Basel airport that was half in France & half in Switzerland; drinks were much cheaper on the French side.
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Old 06.10.2013, 01:35
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Re: Moving to Basel in Dec. Some quick questions!

I guess u mean amac? Be aware no public transport goes there so u need to cycle or have a car
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Old 06.10.2013, 01:42
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Re: Moving to Basel in Dec. Some quick questions!

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Lot of discussions on the topic of UK versus Swiss salaries but my opinion is if you divide your gross Swiss salary by 2 then you will have the same standard of living here as in UK as shown by the result.
So basically expect to have the same standard of living as you do currently.

Of course you can live better by shopping cheaper in France or Germany which is easy from Basel airport; also nights out are much cheaper in these countries.

I remember a circular bar in Basel airport that was half in France & half in Switzerland; drinks were much cheaper on the French side.
Basel airport must be one of the most confusing airports in the world! in any case how easy would be to go to St Louis on the way back home for a quick shopping trip and back to BS all on public transport?? Does Line 50 stop anywhere in St Louis so I could pop-out by some items and get back on it? also how does the whole thing work? If I'm say buying meat, do I have to pay taxes on it?

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I guess u mean amac? Be aware no public transport goes there so u need to cycle or have a car
Hi Rob,

No I meant the JetAviation (in French side), but apparently there are JA shuttle bus from main HQ in swiss to the french side.
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Old 06.10.2013, 01:52
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Re: Moving to Basel in Dec. Some quick questions!

Ok I know it well. There are shuttles so no prob there. The 50 bus stops at the roundabout so a 5 min walk to the main building.


both hangars are accessible from the swiss side but its actually france - dont ask, you will see when u are here.

Guess u are licenced at that rate ?
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Old 06.10.2013, 10:45
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Re: Moving to Basel in Dec. Some quick questions!

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...
You can get a monthly travel card covering the entire Basel region for approximately 70 francs a month....
Or for only ten times that, a 12 months travel card. (Covers only calendar year though).

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For my insurance i think I'm gonna go with the cheapest I can find with lowest deductable, whatever that is, obviously if the insurance can provide the forms and doctors in English that would be massive plus!
The cost of insurance is premiums + the excess (franchise) when you make a claim. Thus, if you are generally healthy, you might want the biggest deductable.
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Old 06.10.2013, 17:31
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Re: Moving to Basel in Dec. Some quick questions!

I think in new year I might order a new 1 year one if I'm gonna save 2 months!

How long does it take to open a new bank account and get all the account numbers, etc and to pass along to my employer for salary, etc. I will been told they are quite slow and it could possibly takes weeks to do it.

I'm assuming I'll need a bank account to sort out a mobile contract with sunrise? Can I set up the payments on a UK credit card/AMEX charge card? main reason is I would like to get a mobile phone as soon as possible.
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Old 07.10.2013, 01:27
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Re: Moving to Basel in Dec. Some quick questions!

Yes that's what I meant. Apart from that you pay health insurance.

To set up a contract you normally need your permit. In our case it took about 3 weeks after arriving here and registering with the local authorities.

So you need to be a bit patient in the beginning. They don't ask for credit cards or bank accounts, you get a very-old fashioned bill at home and it's up to you to decide how you pay.

Best of lucks.

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Excuse my ignorance Lost Diamond, but by Social Insurance do you actually mean the mandatory deductions that my contract has listed (AHV, ALV, accident insurance, pension fun deductions, etc?)

For my insurance i think I'm gonna go with the cheapest I can find with lowest deductable, whatever that is, obviously if the insurance can provide the forms and doctors in English that would be massive plus!
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Old 07.10.2013, 14:55
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Re: Moving to Basel in Dec. Some quick questions!

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Yes that's what I meant. Apart from that you pay health insurance.

To set up a contract you normally need your permit. In our case it took about 3 weeks after arriving here and registering with the local authorities.

So you need to be a bit patient in the beginning. They don't ask for credit cards or bank accounts, you get a very-old fashioned bill at home and it's up to you to decide how you pay.

Best of lucks.
Thanks LD, That does clear things, it sucks I have to wait long time to register and get the WP! its what it is though.

Is the registration office open evenings and weekend? I'm doing 42.5 hrs a week, I'm wondering when I will have time to go and register.

Also I'm to register for a German classes as soon as I get there (I should have listened in my German GCSE), any good German classes anyone can suggest? I'm hoping there are people with a little bit of English language knowledge to help me register!

Cheers
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Old 07.10.2013, 16:45
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Re: Moving to Basel in Dec. Some quick questions!

Migros Klubschule is a good option:

http://www.klubschule.ch/

Cheers
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Old 08.10.2013, 17:29
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Re: Moving to Basel in Dec. Some quick questions!

Just read your post and salary concern.....
One good thing about Basel is that you can go to France and Germany for shopping, eating out etc.....this will save you ALOT
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