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-   -   Swiss in London - and maybe back in Switzerland? (https://www.englishforum.ch/introductions/299569-swiss-london-maybe-back-switzerland.html)

KathrinS 12.08.2020 08:24

Swiss in London - and maybe back in Switzerland?
 
Hello! My name is Kathrin, I just turned 27 and I originally come from Switzerland. I have been an expat in English-speaking countries for a number of years. First, I lived in New York while completing my Pilates teacher training certification, then I moved to England to start work as a freelance Pilates, German and English teacher.

Now, I'm set up full-time in England, but am looking to do more remote work and maybe move back and forth between the two countries. I could spend the summer months in beautiful, scenic Switzerland and the winter months in London. I'm excited to interact with everyone on here and maybe meet some other people who have ties in both England and Switzerland.

LuganoPirate 12.08.2020 09:05

Re: Swiss in London - and maybe back in Switzerland?
 
I wish you well with your move. Perhaps try speaking to the English speaking clubs in the Basel - Zurich area.

one roaring mind 12.08.2020 09:21

Could you name or point to a few LuganoPirate ?

Good luck with the move and exploration Kathrin. Sounds exciting :)

JackieH 12.08.2020 10:22

Re: Swiss in London - and maybe back in Switzerland?
 
You certainly need to look very carefully at the legal and tax implication- healthcare and accident cover, pensions, voting rights, etc. Where will vou be officially resident, CH or UK. It is not so simple as to decide to just live a bit here and there.

NickyTuesday 12.08.2020 12:32

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by JackieH (Post 3205905)
You certainly need to look very carefully at the legal and tax implication- healthcare and accident cover, pensions, voting rights, etc. Where will vou be officially resident, CH or UK. It is not so simple as to decide to just live a bit here and there.

Ugh. This. So true.

NickyTuesday 12.08.2020 12:36

Re: Swiss in London - and maybe back in Switzerland?
 
Kathrin have you looked at online teaching? Got a friend who works in recruitment and sge says there's likely going to be a big demand especially around exams etc. Dunno about quals etc.

Island Monkey 12.08.2020 13:18

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by JackieH (Post 3205905)
You certainly need to look very carefully at the legal and tax implication- healthcare and accident cover, pensions, voting rights, etc. Where will vou be officially resident, CH or UK. It is not so simple as to decide to just live a bit here and there.

Itís only as complicated as you make it (or it was pre Brexit). I know plenty of Brits who spend the summer in the UK and winter in Switzerland. I guess your main problem now will be maintaining UK residence post-brexit though!

eairicbloodaxe 12.08.2020 14:03

Re: Swiss in London - and maybe back in Switzerland?
 
"It’s only as complicated as you make it (or it was pre Brexit). I know plenty of Brits who spend the summer in the UK and winter in Switzerland."


But I didn't make the tax laws in either country... (if I did it would be a lot easier and much more in my favour!)


Living and working in 2 different countries will give you tax complications in each, as well as the healthcare insurance issues and residence registration requirements in Switzerland.


Yes, as Island Monkey says, it is not insurmountable. Plenty of people do do it. But unless you are reasonably rich, the costs of 2 sets of accountants plus all the time involved arguing with tax authorities can get on top of any normal person. You need to get professional advice before ploughing ahead.



At least I assume you won't have the added complication of not understanding one of the langauages.


Good luck!




Ian

Island Monkey 12.08.2020 14:23

Re: Swiss in London - and maybe back in Switzerland?
 
They just pay quellensteuer and paye tax and no one gives a damn. Probably not technically correct but the Swiss authorities know they are only here 6 months a year and seem happy with that. Not so easy maybe if self employed. They also just pay health insurance whilst signed in here and use nhs whilst at home. As I said, probably not technically correct, but absolutely no one cares. This is probably more difficult if doing it in smaller blocks than 6 month chunks. (They are not rich and no accountants are involved).

LuganoPirate 12.08.2020 18:10

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by one roaring mind (Post 3205874)
Could you name or point to a few LuganoPirate ?

Just Google "English speaking clubs Switzerland" and you'll find plenty.

eairicbloodaxe 12.08.2020 20:55

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by Island Monkey (Post 3206015)
They just pay quellensteuer and paye tax and no one gives a damn. Probably not technically correct but the Swiss authorities know they are only here 6 months a year and seem happy with that. Not so easy maybe if self employed. They also just pay health insurance whilst signed in here and use nhs whilst at home. As I said, probably not technically correct, but absolutely no one cares. This is probably more difficult if doing it in smaller blocks than 6 month chunks. (They are not rich and no accountants are involved).


It's actually the UK side that is more complicated in that instance. Rough guide: More than 90 days resident and you are fully tax resident in UK for the whole year. On your Swiss earnings too (although you get a discount from what you paid in quellensteuer).


Also, when tax authorities are strapped for cash (hmmmm...) they go looking for easy wins. If I was your friends I might be worried about an investigation from both sides.


From experience you DO NOT want to go through that.



Regards




Ian

KathrinS 13.08.2020 07:23

Re: Swiss in London - and maybe back in Switzerland?
 
Thanks for your input everyone! I am currently teaching all my sessions remotely and it works well, especially with the language teaching. Definitely going to look into expanding that!

Very interesting points re: tax - but I was assuming that I would just keep living as a UK resident and, at least initially, just spend 2 months here in the summer and 2 in the winter, while spending 8 months in the UK. That would mean it can be counted as a very long holiday, and during that time I can keep working remotely with my existing clients. I would most likely not be looking for an in-person job in Switzerland, instead just work from home and get paid using my UK bank account.

LuganoPirate 13.08.2020 11:30

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by KathrinS (Post 3206223)
I would most likely not be looking for an in-person job in Switzerland, instead just work from home and get paid using my UK bank account.

Please bear in mind when being paid in Swiss Francs that UK banks give awful exchange rates, and often take fees as well. In forex and fees you could lose up to 10% on small invoices when converted to sterling.

I'd suggest looking at one of these cards that will let you keep money in CHF for your Swiss expenses, and any surplus can be transferred into GBP at a good rate and no fee, then transferred to your regular account.

If you're paid in cash in Switzerland, then change it to pounds in Switzerland at a bank in town. You'll get a much better rate than at the airport and certainly a lot better than in the UK.

HickvonFrick 13.08.2020 12:00

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by LuganoPirate (Post 3206316)
Please bear in mind when being paid in Swiss Francs that UK banks give awful exchange rates, and often take fees as well. In forex and fees you could lose up to 10% on small invoices when converted to sterling.

I'd suggest looking at one of these cards that will let you keep money in CHF for your Swiss expenses, and any surplus can be transferred into GBP at a good rate and no fee, then transferred to your regular account.

If you're paid in cash in Switzerland, then change it to pounds in Switzerland at a bank in town. You'll get a much better rate than at the airport and certainly a lot better than in the UK.

For payments in CHF as cash just cash the money into a CHF account and then use transferwise or revolut to get excellent exchange rates. Far lower cost than using banks in either country.

LuganoPirate 13.08.2020 12:34

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by HickvonFrick (Post 3206336)
For payments in CHF as cash just cash the money into a CHF account and then use transferwise or revolut to get excellent exchange rates. Far lower cost than using banks in either country.

It's not that easy for a non-Swiss resident to open a current account in Switzerland unless you qualify for private banking or wealth management.

Money can be transferred to a Revolut card, but if paid in cash the easiest is to convert to GBP in Switzerland and pay it in in the UK. The saving using Transferwise on the amounts, unless substantial, are miniscule and likely not worth all the hassle.

HickvonFrick 14.08.2020 16:30

Re: Swiss in London - and maybe back in Switzerland?
 
Quote:

Originally Posted by LuganoPirate (Post 3206355)
It's not that easy for a non-Swiss resident to open a current account in Switzerland unless you qualify for private banking or wealth management.

Money can be transferred to a Revolut card, but if paid in cash the easiest is to convert to GBP in Switzerland and pay it in in the UK. The saving using Transferwise on the amounts, unless substantial, are miniscule and likely not worth all the hassle.

I was presuming she had kept a CHF account - if not agree with your suggestion 100%.


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