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Old 06.06.2019, 16:51
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ANOBAG - any experiences? Good , bad and the ugl

Hi there,
Have the possibility of working for an overseas company (no presence in CH) and would commute whilst spending more than 50% of year in CH. Is ANOBAG an option to ensure I keep social benefits running in CH, thinking unemployment insurance etc?

Any insights greatly appreciated.

Thanks,
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Old 06.06.2019, 20:15
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Re: ANOBAG - any experiences? Good , bad and the ugl

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Hi there,
Have the possibility of working for an overseas company (no presence in CH) and would commute whilst spending more than 50% of year in CH. Is ANOBAG an option to ensure I keep social benefits running in CH, thinking unemployment insurance etc?

Any insights greatly appreciated.

Thanks,
There are a few threads on the topic of ANOBAG, but I can tell you that ANOBAG is bad, very bad.
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Old 06.06.2019, 21:17
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Re: ANOBAG - any experiences? Good , bad and the ugl

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There are a few threads on the topic of ANOBAG, but I can tell you that ANOBAG is bad, very bad.

It was so bad I had to shut down my UK company when I came here. It was just easier than all the extra shit.


Caveat. I no speaka da Zurich lingo... If you "do" the German, you might find it a breeze,


Regards




Ian
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Old 07.06.2019, 09:28
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Re: ANOBAG - any experiences? Good , bad and the ugl

It's not that bad, really.

You only need to pay the AHV share for both the employee - you - and the employer. So 2x the AHV contribution which you can factor in your contract. Furthermore, if the company is domiciled outside EU/EEA you don't have to contribute to Säule 2 pension, although you still can through the Stiftung Auffangeinrichtung, or pay the work-related UVG (Unfallversicherung).

You are then treated as a normally employed person (unselbständige erwerbstätigkeit) for tax purposes.
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Old 07.06.2019, 11:05
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Re: ANOBAG - any experiences? Good , bad and the ugl

To be employed in Switzerland by a foreign domiciled employer you can use the ANOBAG scheme. This effectively stands for "Employee without a Swiss domiciled employer".

You need to:

- Register as ANOBAG with your local Social (AHV/AVS) office. They will ask you for employer details, and the (estimated) salary to be paid.

- (For EU/EEA employers) apply for a Professional (Pillar 2) pension scheme (BVG). This should be possible with all the major pension companies. (Zürich, AXA, Swisslife, Stiftung Auffangeinrichtung etc.)

- Apply for professional accident insurance (covers you for accidents in- and outside work worldwide - treatment and salary cover). This is normally mandatory. You can do this with SUVA, or any insurance company (AXA, Zürich, Vaudoise etc)

- I suggest you get your employer to cover you also for sickness insurance (KTG).

- And of course, register with your local tax office (sourcetax department). if you are required to pay tax at source (usually the case unless you or your partner has a c-permit), you will usually need to make a return to them based on your salary each month.

Each of these will send you an invoice stating which part of the premium is to be paid by the employer, and which by the employee. The employer part you can bill your employer for. The employee part you pay yourself.

Although insurance premiums are actually invoiced for the 1st January, all the bills can usually be paid in regular installments throughout the year base don estimated salary. At the end of the year you will report your actual salary and receive final statements based on this.

You should be able to do all of the above online these days. The pension, accident and sickness insurance companies will all be able to converse with you in English. The Social office, and tax office may find this more difficult but they are improving each year. In larger cities they tend to speak English.

I also advise you to negotiate your salary in CHF if possible, otherwise you may need to convert each monthly salary to CHF using the Swiss Federal accounting tax rate for that month for your reporting.

Hope this helps. We have dealt with ANOBAGs before with no big problem. If you have more questions you can always contact me (Swiss payroll company :-)).
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Old 14.06.2020, 20:16
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Re: ANOBAG - any experiences? Good , bad and the ugl

Hi all,
thanks for the very useful collection of information regarding ANOBAG registration in Switzerland!


I was wondering whether there is a "right order" to apply the different things?
Do I need any special documents to apply for ANOBAG beside the ANOBAG application form (e.g. residence permit)?

Just want to avoid a chicken / egg situation.


Up to now I am planning the following order (I am a EU resident):


1) Residents' registration office -> get residence permit
2) AHV/AVS office -> do ANOBAG registration
3) Insurance company -> Pension Scheme
4) Insurance company -> Accident insurance
5) Tax office -> tax registration



Does anybody has insights how much in advance you should start applying / how long it takes to get the confirmations?


Is there any experience how much the monthly contribution to the pension scheme and accident insurance is?


Thank you very much for your efforts and best
MIKER
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Old 08.06.2019, 09:43
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Re: ANOBAG - any experiences? Good , bad and the ugl

Now try doing all the above when a) you don't speak any German and b) you've only just arrived...

I guess the key point is what is it worth to you. For me it wasn't financially viable as I was running down that business anyway. If it's your main income, or a substantial income, it will be worth doing.

As with all things Swiss administration-wise, once you know how it works, it is not so difficult. And the above from dm3 is a good explanation.

Regards


Ian
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Old 08.06.2019, 10:01
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Re: ANOBAG - any experiences? Good , bad and the ugl

Thanks for all the input. I speak German so not too worried about the forms etc, just needed to understand the principle and whether worth the effort of discussing with potential employer.
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