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Old 11.02.2018, 15:14
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East Londoner moving to Zug

Hi

We are moving to Canton Zug in Apr-18.

I will be head of risk for a commodity firm... Bringing my Vespa scooter and my guitar...

Looking for words of sage advice on any and all matters of Zug life...

All the best

Pete (& Bee)
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Old 11.02.2018, 15:20
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Re: East Londoner moving to Zug

Welcome Pete,

Before moving, make sure to get yourself one of those UK credit cards that doesn’t charge you for using the card internationally and also pays you some cash back. Aqua is the only one comes to mind as Swiss credits cards aren’t free. I also believe Lloyd’s allows you change your address to an international one.

It’s also worth getting “Three” SIM card as it can be used in Switzerland and is a lot cheaper that regular Swiss phone contract.
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Old 11.02.2018, 15:25
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Re: East Londoner moving to Zug

also prepare to decelerate by a 100 in comparison to London
have a good start!
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Old 11.02.2018, 15:27
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Re: East Londoner moving to Zug

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Welcome Pete,
It’s also worth getting “Three” SIM card as it can be used in Switzerland and is a lot cheaper that regular Swiss phone contract.
Is it working in Switzerland? I have a Three Sim in Ireland and plan to visit Switzerland end of month, I believe he/I will be charged for roaming, not being part of the EU roaming agreement?
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Old 11.02.2018, 15:58
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Re: East Londoner moving to Zug

Thank you for such great advice!
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Old 11.02.2018, 17:05
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Re: East Londoner moving to Zug

I would think all the banks will let you change your address to an international one. We certainly had no problems doing so with NatWest and Barclays, but that was nearly 20 years ago. The only downside is we cannot swap to any other type of account now so are stuck with their old accounts.

And as usual, compare credit cards here and in the UK. Yes, Aqua may be free, but the interest rate is 35.9%. UBS does charge a fee for credit cards (lower if you get it with your bank account), but the interest rate is only 12%. It really depends on how much you may use credit. Most people still pay cash or use a debit card here for most payments.
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Old 11.02.2018, 19:04
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Re: East Londoner moving to Zug

Great advice thank you. We are writing all these points in our moleskins for later deployment! Much appreciated...
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Old 11.02.2018, 19:43
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Re: East Londoner moving to Zug

I’m not sure about Irish “Three” but UK “Three” can be used in Switzerland and your free allowances can also be used from Switzerland. However, they do have a small print that you can’t be out of out UK for a long period but my friend has been using it for the last 2 years and he does occasionally go back to UK.

While you’re in UK, i would also utilise all of your ISA allowance for 2017/2018 and you can also use up the 2018/2019 ISA allaowamce from 6th April 2018.

You should also notify HMRC that you’re moving to CH by filling in a form and I would recommend submitting that form via Fax and keep the sent receipt.
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Old 11.02.2018, 19:49
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Re: East Londoner moving to Zug

Good points thank you... we plan to be flying back each fortnight to see family so the comments on phone and ISA spot on. Appreciate it... Pete
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Old 11.02.2018, 22:06
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Re: East Londoner moving to Zug

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I’m not sure about Irish “Three” but UK “Three” can be used in Switzerland and your free allowances can also be used from Switzerland. However, they do have a small print that you can’t be out of out UK for a long period but my friend has been using it for the last 2 years and he does occasionally go back to UK.
While you’re in UK, i w
I think the terms are you shouldn't be using it if you're not UK resident - something like no more than 4 weeks consecutive usage out of the country - mine was restricted after 2 years despite making sure I didn't use that much data.

I was originally on £10/month unlimited data contract, now on £15 for 12gb a month with 3 ( I think they've re-enabled roaming) and a 90chf/month Salt package which gives me 1gb month data in Europe.... dual sim phone helps... sooo expensive here compared to rest of Europe
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Old 11.02.2018, 22:46
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Re: East Londoner moving to Zug

a trip to the phone shop in Brentwood beckons pre-April... Thank you
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Old 11.02.2018, 23:08
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Re: East Londoner moving to Zug

All the best in your new position. Some of the drawbacks of using your UK phone is it puts people off if they have to make an international call to reach you, unless they have an all inclusive plan. Then if you use the internet a lot on your phone you'll hit all sort of caps, fair usage etc, which you won't have with Swisscom.

If you need to show the invoice as a proof of address, you'll hit another wall there. Personally I have a Swisscom account and keep my Virgin phone for when back in the UK or for when I need a UK number for some verification purposes.

CC's should not be a problem. I even have still my M&S chargecard but I do maintain a UK bank account. I'd still go with a Swiss card though as sometimes foreign cards are not accepted at automatic petrol stations, the interest rate is lower and if you're travelling a bit then you can get miles as well. Where the supposedly free UK cards hit you is on the interest rate.

In short, if you're coming to Switzerland to live, at presumably a much higher salary than the UK, I'd go for a Swiss card and Swiss phone provider.
The small extra you may pay is well worth not having all the hassle!
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Old 11.02.2018, 23:36
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Re: East Londoner moving to Zug

Thank you. good advice. I think I have to organise local phones for our company so I think we'll be covered for a Swiss mobile number. It looks like we can move over with our UK phone, bank account and credit card and sort local versions as we find our feet. That's a relief. We have been worried about getting so many things in order... Right now my work permit is pending sight of my final signed contract which should come this week... Once those two things are done the rest should fall into place. We are flat/town hunting shortly. With property and office space seemingly under siege from the invading crypto currency mob, I think the first flat we see that is 30 mins from the office with a lake-view gets lifted! Thanks again all.
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Old 11.02.2018, 23:42
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Re: East Londoner moving to Zug

If you choose to live in canton Schwyz, the taxes will be lower and depending where that's about 30 minutes away.

However, I don't know how this will affect your work permit and whether you have to live in the canton or not.
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Old 12.02.2018, 07:21
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Re: East Londoner moving to Zug

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We are flat/town hunting shortly. With property and office space seemingly under siege from the invading crypto currency mob, I think the first flat we see that is 30 mins from the office with a lake-view gets lifted! Thanks again all.
Zug is not Zurich and there is certainly no shortage of either office space or apartments. (and they tend not to shift very quickly) Agree with lake view (Why wouldn't you?), but 30 minutes? That's too far. (This isn't London!) 30 Minutes will have you in Zurich with some change.

Walchwil (where I live) has amazing lake views, but is super quiet. (It's a suburb, really) It's also 10 minutes into Zug (or 15 on the train) I think all the areas on the Eastern side of the lake, from Walchwil up to Zug are really nice. Zug itself is really split into two categories (in my mind): Old town and Zugerberg, which are super, but rare to find anything and it goes super quick, and then the outskirts of town, which is plentiful, moves like lava and, again in my mind, isn't that great.

One other piece of advice is to not listen to people who tell you how expensive everything is, etc etc. Once you are here, earning and paying Swiss tax things like the yearly charge for a credit card or your mobile phone bill are largely inconsequential.
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Old 12.02.2018, 07:26
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Re: East Londoner moving to Zug

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If you choose to live in canton Schwyz, the taxes will be lower and depending where that's about 30 minutes away.
Depending where in Schwyz. It's not true for all areas in the canton.
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Old 12.02.2018, 08:50
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Re: East Londoner moving to Zug

Good morning all

Yes my contract and work permit are for Canton Zug so initially anyway we cannot consider any other Canton...

Walchwil looks lovely, we are seeing flats there and in the aegeris. I want to wake up to a lake view, I have never lived near a body of water and am really looking forward to it. It's just the wife and I coming so we are not worried about proximity to schools etc. and the idea of things being a little slower and quieter rather pleases us!

We have done a lot of long distance scootering on old Vespas and the idea we could get a new 300cc Vespa and scoot to Lake Como this summer is very exciting... Switzerland is blessed in its location...

And there was me thinking East London/Essex was the centre of the world...
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Old 12.02.2018, 09:04
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Re: East Londoner moving to Zug

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Good morning all

Yes my contract and work permit are for Canton Zug so initially anyway we cannot consider any other Canton...

Walchwil looks lovely, we are seeing flats there and in the aegeris. I want to wake up to a lake view, I have never lived near a body of water and am really looking forward to it. It's just the wife and I coming so we are not worried about proximity to schools etc. and the idea of things being a little slower and quieter rather pleases us!

We have done a lot of long distance scootering on old Vespas and the idea we could get a new 300cc Vespa and scoot to Lake Como this summer is very exciting... Switzerland is blessed in its location...

And there was me thinking East London/Essex was the centre of the world...
As a Brit and local to Zug I'm pretty sure you can live where you like under a B permit so if you want to live in Schywz you can. Which you should get automatically as an "EU" citizen. For now anyway. (Brexit may change this)

"Citizens from EU-25*/EFTA** states enjoy full freedom of movement. This means that citizens of those countries are free to travel to Switzerland, and to live and work here."

https://www.ch.ch/en/working-switzerland-eu-efta/
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Old 12.02.2018, 09:53
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Re: East Londoner moving to Zug

Thank you!

Yes that was my initial thought but we dug into this with the super helpful Canton Migration people and I do still need a work permit even as an EU citizen (tho I manifestly do not identify as such!!!! In shock news Essex man admits to voting Leave!).

As to B Permit and where we have to live, I am not so sure and you could be right. My company is clear it means we domicile in Canton Zug and you know we are quite happy to go along with that for our first year. We can always re-think when have a our feet under the table and know what way is up!

Thanks again

Pete
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Old 12.02.2018, 09:55
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Re: East Londoner moving to Zug

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As a Brit and local to Zug I'm pretty sure you can live where you like under a B permit so if you want to live in Schywz you can. Which you should get automatically as an "EU" citizen. For now anyway. (Brexit may change this)

"Citizens from EU-25*/EFTA** states enjoy full freedom of movement. This means that citizens of those countries are free to travel to Switzerland, and to live and work here."

https://www.ch.ch/en/working-switzerland-eu-efta/
Yes, but the law also says:

"Art. 36 Place of residence

Persons with a short stay permit, a residence or a permanent residence permit are free to choose their place of residence within the canton that granted the permit.

Art. 37 Change of the place of residence to another canton

1 Persons with a short stay permit or a residence permit who would like to relocate their place of residence to another canton must apply for the appropriate permit from the new canton beforehand.

2 Persons with a residence permit are entitled to move to another canton provided they are not unemployed and there are no grounds for revocation in terms of Article 62 paragraph 1.

3 Persons with a permanent residence permit are entitled to move to another canton, provided there are no grounds for revocation in terms of Article 63.

4 No permit is required for a temporary stay in another canton."

https://www.admin.ch/opc/en/classifi...232/index.html

Still, it shouldn't be a problem as an EU national. You should just need to take your employment contract to the migration office of whichever canton you decide to settle in and the permit will be issued from there.

And of course Essex is the centre of the world. I thought everyone knew that.
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