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Old 14.08.2014, 11:47
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Taxation at source, G permit, bank accounts and insurance: the clueless academic

Hello everybody, this is my first post and I swear I went through a good deal of searching before opening this topic.

I am currently a PhD student in London and I have now accepted a position as research assistant in a swiss institution in Geneva (which shall remain nameless ). My contract requires me to be there every now and then, and I thus received a G permit application form, which I am about to send in. I am going to reside in London most of the time.

As a 'frontalier', I am given to understand that my income is going to be taxed at source. I am perhaps overanxious, but I really cannot understand how much I will be required to pay.

My salary (brut) is going to be in the line of CHF 47,000 per year. Searching around, I did find a PDF sheet containing the various rates, but I find it a bit confusing.

I have quite a good theoretical knowledge of tax law and international tax law. Yet, the Swiss take on that baffles me.

Is there anyone who could give me some suggestions as to calculate that? (Better yet, is there anyone who could tell me how much I should reasonably expect to pay as a single frontalier male?)

Furthermore, I have been told that I will have to pay for a healthcare plan, which will be taken at source too. I have been told that, despite being a EU citizen living somewhere else and only going there once in a while, there is no way out of this. While this depends on the employer and whatnot, could any of you suggest how much I should expect to pay? I suspect it is going to be around 400CHF per month.

Finally, I am told that I will have to open a bank account in Switzerland. I am not aware of any option to do that remotely –is that correct? Otherwise, I will have to do that the first time I go there in person.

Thanks a lot for your help!

Odoacre
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Old 14.08.2014, 12:11
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

Tax calculator:

http://en.comparis.ch/steuern/quelle...r/default.aspx

Info on health insurance:

Health Insurance FAQs
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Old 14.08.2014, 12:20
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

Thank you, Aleydis. That is very helpful. However, my main concern is that I might leave something out using the tax calculator.

For example, I wonder whether –as a frontalier –these are the only taxes I have to pay. (Should I assume that I don't have to pay at the municipal level?)

Thanks a lot.
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Old 14.08.2014, 13:04
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

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Thank you, Aleydis. That is very helpful. However, my main concern is that I might leave something out using the tax calculator.

For example, I wonder whether –as a frontalier –these are the only taxes I have to pay. (Should I assume that I don't have to pay at the municipal level?)

Thanks a lot.
You'll have a few other things such as AVS, pension contributions, etc. taken at source as well.
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Old 14.08.2014, 13:07
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

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You'll have a few other things such as AVS, pension contributions, etc. taken at source as well.
Thank you very much Anjela. Are you aware of any way to get a rough calculation?
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Old 14.08.2014, 13:25
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

As far as I know it's based on each individual's personal circumstances (eg; martital status, income), you're best bet would be to ask HR at the company concerned, they should be able to give you a ball-park figure....
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Old 14.08.2014, 13:28
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

Thank you very much Anjela. I will call them and see what happens!
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Old 16.10.2014, 16:51
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

odoacre, where did you get your form? who did you send it back to? I need a G permit but I'm totally stranded and the agency I am working for are the proverbial chocolate teapot (useless, for the non-native Brit English speaker)...

thanks.
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Old 16.10.2014, 16:52
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

Hey adpucci, it was sent to me by my employer.
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Old 16.10.2014, 16:57
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Re: Taxation at source, G permit, bank accounts and insurance: the clueless academic

thanks. I may have to kidnap one of those idiots at my agency and set some proper information as ransom.
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