Go Back   English Forum Switzerland > Help & tips > Employment  
Reply
 
Thread Tools Display Modes
  #1  
Old 26.01.2020, 18:27
Squeeeez's Avatar
Forum Veteran
 
Join Date: Feb 2011
Location: Frauenfeld
Posts: 989
Groaned at 2 Times in 2 Posts
Thanked 956 Times in 438 Posts
Squeeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond repute
Working in Germany, living in Switzerland

Hi everyone!
Found a few posts/threads about this, but I'm still feeling totally out of my depth.
I found a new job outside of Switzerland, in Germany.
As it's a temporary opportunity I'm thinking of staying there during the week and coming back during the weekends.

Has anyone else here done this and knows what to be aware of?
The best way to pay for stuff in Switzerland (flat, insurances) when the main income is in Euros?
And am I right in assuming that the accident insurance in Germany does not protect against accidents not related to work?
Will the income from Germany count towards my pension in the end?
Reply With Quote
  #2  
Old 26.01.2020, 18:33
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,044
Groaned at 363 Times in 304 Posts
Thanked 13,862 Times in 6,473 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Working in Germany, living in Switzerland

Can´t help much but:

You would be paying in into the German pension system (which is crap compared to the Swiss one), does the company have an additional pension fund?

Afaik you need to insure yourself for accidents, doesn´t cost much though
Reply With Quote
This user would like to thank roegner for this useful post:
  #3  
Old 26.01.2020, 18:39
Squeeeez's Avatar
Forum Veteran
 
Join Date: Feb 2011
Location: Frauenfeld
Posts: 989
Groaned at 2 Times in 2 Posts
Thanked 956 Times in 438 Posts
Squeeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond repute
Re: Working in Germany, living in Switzerland

Thank you!
Yes it has an additional pension fund, which is organised by CERN, but paid in Euros, all quite confusing.


Would you recommend finding an accident insurance in Switzerland or Germany? (Does it make any difference?)
Reply With Quote
  #4  
Old 26.01.2020, 18:42
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,044
Groaned at 363 Times in 304 Posts
Thanked 13,862 Times in 6,473 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Working in Germany, living in Switzerland

You could have a look at this:

https://www.svazurich.ch/anobag
Reply With Quote
This user would like to thank roegner for this useful post:
  #5  
Old 26.01.2020, 18:46
Squeeeez's Avatar
Forum Veteran
 
Join Date: Feb 2011
Location: Frauenfeld
Posts: 989
Groaned at 2 Times in 2 Posts
Thanked 956 Times in 438 Posts
Squeeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond repute
Re: Working in Germany, living in Switzerland

Quote:
View Post
You could have a look at this:

https://www.svazurich.ch/anobag

uuuh... thank you. this means I will need to pay these contributions in two different countries? as they are also deducted from the German salary.
Reply With Quote
  #6  
Old 26.01.2020, 18:56
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,044
Groaned at 363 Times in 304 Posts
Thanked 13,862 Times in 6,473 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Working in Germany, living in Switzerland

No no, you do not pay twice. Maybe easiest to contact a Grenzgängerberatung?

Old posts on this:

https://www.frag-einen-anwalt.de/Woh...--f133775.html

https://www.beobachter.ch/foren/ques...utschland.html
Reply With Quote
This user would like to thank roegner for this useful post:
  #7  
Old 14.02.2020, 12:13
Newbie 1st class
 
Join Date: Feb 2020
Location: Zug
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 4 Posts
pehi has no particular reputation at present
Re: Working in Germany, living in Switzerland

Hi - I'm going to be facing a similar situation shortly.

My wife is taking a transfer from the UK with her employer and we're probably going to live in Zurich.

My employer has balked at Swiss uplift requirements, but is offering me the opportunity of having a German contract.

Did you get any quantifiable answers about the tax liability and pension/medical insurance exchange for living in CH/Employed in DE?

Also, do you have to deal with a company car? How did you address that?

Really appreciate any answers you can give!

Thanks!
Reply With Quote
  #8  
Old 20.02.2020, 13:31
Squeeeez's Avatar
Forum Veteran
 
Join Date: Feb 2011
Location: Frauenfeld
Posts: 989
Groaned at 2 Times in 2 Posts
Thanked 956 Times in 438 Posts
Squeeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond repute
Re: Working in Germany, living in Switzerland

FWIW, What I've learned so far (thanks to very kind people working for our government who took the time to explain everything in so simple terms that even slightly dense me could understand).
AHV/IV/ALV: These contributions are paid in the country where you work. In that case Germany. There is no need to, but it is possible to pay those contributions in Switzerland as well, voluntarily.
For work longer than 12 months, the AHV/IV needs to be collected separately in Germany once the time has come.
For work shorter than 12 months, the contributions are seen as if they had been paid in Switzerland.
Unemployment is regulated in the place where you are registered, in this case Switzerland.
Reply With Quote
  #9  
Old 20.02.2020, 13:37
Squeeeez's Avatar
Forum Veteran
 
Join Date: Feb 2011
Location: Frauenfeld
Posts: 989
Groaned at 2 Times in 2 Posts
Thanked 956 Times in 438 Posts
Squeeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond reputeSqueeeez has a reputation beyond repute
Re: Working in Germany, living in Switzerland

Quote:
View Post
Hi - I'm going to be facing a similar situation shortly.

My wife is taking a transfer from the UK with her employer and we're probably going to live in Zurich.

My employer has balked at Swiss uplift requirements, but is offering me the opportunity of having a German contract.

Did you get any quantifiable answers about the tax liability and pension/medical insurance exchange for living in CH/Employed in DE?

Also, do you have to deal with a company car? How did you address that?

Really appreciate any answers you can give!

Thanks!
Sorry, not sure about the taxes. As far as I know income taxes will be deducted before I ever see any money (at source), and then I will need to pay the taxes locally on the rest. Also no company car.
http://arbeitsmarkt-bodensee.org/schweiz.html You might be able to ask the representative closest to you for more information.
Reply With Quote
  #10  
Old 08.03.2020, 21:18
Newbie 1st class
 
Join Date: Nov 2007
Location: Zuerich
Posts: 26
Groaned at 0 Times in 0 Posts
Thanked 14 Times in 4 Posts
pam1 has no particular reputation at present
Re: Working in Germany, living in Switzerland

Maybe my example will be helpful, I have worked for a German company, from Monday till Thursday, commuting from Zurich, and I managed it the easiest way possible (but expensive):
- This was always a temporary contract with the German company(6 or 12 months)
- the 'umbrella' company of my choice, based in CH, was dealing with the contract and was signing it for me
- the 'umbrella' company had a contract with me, they've payed me in CHF after deducting all the money for the second pillar and many other deductions etc.
- I am not self employed in CH, but you can do this also having your own company
- If you work in Germany less then 180 days a year, you only pay taxes in CH; if you exceed the 180 days - you pay also taxes in DE for the amount of days above 180 and you have to fill the German Tax declaration
- If you stay in the hotel, you don't have to register in DE and you don't really need any permit to stay/work in DE (I am EU citizen)
- If you rent an apartment it's a different story, but i cannot provide you with the details
Reply With Quote
  #11  
Old 11.03.2020, 14:50
Newbie 1st class
 
Join Date: Feb 2020
Location: Zug
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 4 Posts
pehi has no particular reputation at present
Re: Working in Germany, living in Switzerland

Quote:
View Post
Sorry, not sure about the taxes. As far as I know income taxes will be deducted before I ever see any money (at source), and then I will need to pay the taxes locally on the rest. Also no company car.
http://arbeitsmarkt-bodensee.org/schweiz.html You might be able to ask the representative closest to you for more information.

Thanks!
Reply With Quote
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Living in Switzerland but working in Germany scotty3032 Finance/banking/taxation 2 16.03.2018 13:07
Living in Switzerland, working in Germany reggieandmonkey Finance/banking/taxation 0 13.05.2013 15:30
Living in Germany working in Switzerland zojo Finance/banking/taxation 0 22.07.2012 12:51
Working in Switzerland, living in Germany? JMRodriguez Permits/visas/government 3 29.11.2010 21:58
Living in Germany and working in Switzerland William Helgison Daily life 3 13.10.2010 19:39


All times are GMT +2. The time now is 10:54.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0