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Old 21.11.2020, 18:45
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Preparing the move to Zürich

Hello,
I have a European nationality and am currently in the Netherlands. I got a job in Zürich that starts in January(with a contract of 1 year), and I am preparing for the big move. Luckily, I found a place to live, but the rental contract starts from January, so practically I do not have an address in CH, yet. There are several things I would like to prepare before the move:

1. Bank account: Can I already make a Swiss account, so I can directly use Swiss francs when I arrive there?
2. Residence Permit: I am told that the residence permit can be applied in the city hall upon my arrival. However, I am planning to arrive before my rental contract starts. Would it be a problem to apply for a Swiss permit without a valid address?
3. Mietkautionsversicherung: I would like to make use of Mietkautionsversicherung instead of paying the actual deposit for my flat. Would it be possible to arrange as such even before moving there?

4. Would there be any logical order which one to begin with among 1., 2., and 3.?

Thank you very much in advance for any of your help.
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  #2  
Old 21.11.2020, 19:30
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Re: Preparing the move to Zürich

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Hello,
I have a European nationality and am currently in the Netherlands. I got a job in Zürich that starts in January(with a contract of 1 year), and I am preparing for the big move. Luckily, I found a place to live, but the rental contract starts from January, so practically I do not have an address in CH, yet. There are several things I would like to prepare before the move:

1. Bank account: Can I already make a Swiss account, so I can directly use Swiss francs when I arrive there?
2. Residence Permit: I am told that the residence permit can be applied in the city hall upon my arrival. However, I am planning to arrive before my rental contract starts. Would it be a problem to apply for a Swiss permit without a valid address?
3. Mietkautionsversicherung: I would like to make use of Mietkautionsversicherung instead of paying the actual deposit for my flat. Would it be possible to arrange as such even before moving there?

4. Would there be any logical order which one to begin with among 1., 2., and 3.?

Thank you very much in advance for any of your help.
Hi warlando. Welcome to the forum. Most things mentioned you can do once you have the permit (normally including a rental contract, so you did well on that one). So if you arrive in December and as you have an address you can register with your community then and start permit procedures. Do not expect them to work much during Christmas/New Years time though.
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Old 21.11.2020, 20:07
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Re: Preparing the move to Zürich

1. Unlikely since they'll want to see your residence permit before allowing you to open an account. I guess you might be able to do it online with UBS, Credit Suisse, etc, but may incur extra fees; you'd have to check with the bank to be sure.

2. Depending on when you plan to arrive you can probably use your rental address. Bear in mind that with Christmas/New Year the office may be shut from Christmas Eve until 4th January.

3. No idea, contact them direct and ask.
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Old 21.11.2020, 20:07
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Re: Preparing the move to Zürich

Hi, and welcome to the forum! Enjoy the anticipation, and then the move.
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Old 21.11.2020, 20:34
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Re: Preparing the move to Zürich

1. As long as you have no ties to the USA, then yes. This is what I did, opened an account with UBS with my employment contract + UK address until my Swiss address was sorted.


2. You need a rental contract. Some amts allow airbnb as long as it's >14 days long. I started my contract before I moved, so had a valid contract. They need somewhere to send your B permit... so you'll need an address.


3. A lot of landlords don't like this, and will pick a different tenant if you bring this up.
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Old 21.11.2020, 20:34
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Re: Preparing the move to Zürich

1. No need to have a Swiss account to make use of CHF. You can apply for Revolut, Transferwise or similar bank accounts and benefit from European Central Bank exchange rates (+some small exchange fee on top of that).
2. I would not be surprised they will issue your permit starting with the date when your rental contract starts to take effect.
3. Note that many rental agencies do not accept rental deposit insurance (and they are not obliged to accept it). To avoid any surprises ask your agency in advance!
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Old 21.11.2020, 20:51
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Re: Preparing the move to Zürich

I recommend paying the deposit for the flat, if you choose the insurance
you have to pay after you leave the flat, when something is damaged.
A liabillity insurance and a household insurance is highly recommended.

You will need the find a mandatory health insurance (you got 3 months to do so), after that the canton will do that for you .
They
will produce the permit (2-4 Weeks).
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Old 23.11.2020, 09:28
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Re: Preparing the move to Zürich

I have the flat deposit insurance, and opted for that after having money tied up for years doing nothing in a deposit account.

Getting selected for the flat. My experience you are usually selected before they talk of paying the deposit. Once selected you can discuss how the depo is done. I dont think on the application you complete a box that says you wish to use insurance and they will throw out the application.

I have had no issue with 2 agencies having the insurance rather than cash. The only thing is, they had a preferred provider. SO when they say they dont wish to use the insurance with company X, ask them which insurance company they would be happy to use, and usually they have a preferred provider. (they are all much of a muchness so in cost terms doesnt affect you really).
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Old 15.01.2021, 15:12
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Re: Preparing the move to Zürich

Did you manage to resolve all of your difficulties and questions?
Because frankly, I am facing the same ones now
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Old 23.01.2021, 21:36
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Re: Preparing the move to Zürich

I opened a bank account this week, they wanted my passport, work contract and residence permit (original paper version was fine).

I had to go into the branch to do this, as I am still waiting for my plastic card resident permit - you will need to go to the migrationsamt on Berninastrasse to get the new biometric type. The bank wouldn't accept just my paper copy when I tried to open an account online.

Of course if you live near Berninastrasse you can get both your paper and biometric plastic card at the same time as it's in the same building, but as I am staying in Altstetten I had to register at the Lindenplatz office for my paper copy and then go to Berninastrasse for the plastic one.
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Old 24.01.2021, 21:31
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Re: Preparing the move to Zürich

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I have the flat deposit insurance, and opted for that after having money tied up for years doing nothing in a deposit account.
Paying a fifty franc per year to avoid tying up a thousand francs only makes sense if you might really need to spend the thousand francs (which could make it awkward to move out in any case) or if you have an investment lined up that that is like to do better than 5% p/a (CHF denominated).

Anyway, do what you like, but I think it is important to understand that deposit insurance isn't insurance for you - you'll still be on the hook for any damages - and the premiums I see seem rather high given how low CHF interest rates are.
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