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Old 21.08.2015, 21:31
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2nd & 3rd Pillar account, Swiss taxes

Hello everyone,

I have a friend that has asked me a pretty good question in relation to departing from Zürich.

He intends to leave Zürich declaring that he will leave permanently Switzerland to South East Asia. His objective is to either find a new job or further study in an MBA program.

This would entail him having the possibility to liberate his 3rd pillar account with his bank and withdraw his pension into a special account in one of those "tax-heaven" canton and leave it there until his retirement, so as to pay as little taxes until he does so.

Now, he is also in a situation where he might have an answer from a job interview in Geneva. He is not sure when because they seem indecisive as to the job position to be created or not.

He is not willing to wait further. If in the case that he formalizes everything with his departure and he gets an answer only a few weeks later to go to Geneva. what will happen then? What would happen to his C Permit?

What requirements do they ask when he declares himself leaving for Asia, a country with no signed dual taxation agreements?

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Old 22.08.2015, 12:35
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Re: 2nd & 3rd Pillar account, Swiss taxes

This article and the questions and answers might help your friend to better understand having his pillar III pension paid out and then returning to Switzerland:


According to this question and answer, there is no requirement to repay pension funds taken out at emigration if the emigrant decides to return to Switzerland:

16. Juli 2012
Ich lebe seit 20 Jahren im Ausland (Asien, also nicht EU nicht EFTA) und habe mir vor 8 Jahren (2004) die gesamte Pensionkasse auszahlen lassen.
Ich werde nun in die Schweiz zurueckkehren mindestens fuer ein Jahr ev. viel laenger. Muss ich diese Auszahlung vor 8 Jahren mit der Rueckkehr In die Schweiz der Pensionskasse zurueckzahlen?

16. Juli 2012
Hallo Markus
Nein, Sie müssen das Geld nicht zurückzahlen. Es gibt (ausser bei der Wohneigentumsförderung WEF) keine Rückzahlungspflicht."
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