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Old 18.05.2020, 11:07
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Potential offer in Frankfurt and commuting to Zurich

Hi All,

I saw that there were similar threads to this one, however my situation is bit different. I am evaluating a career opportunity abroad in Frankfurt (Germany).
The job is based there, however for personal reasons (partner here) I am planning to consider a Monday - Thursday there, remaining of week in Zurich.
I am european and recently became swiss, working in Swiss without interruption for about 13 years and I would like to keep my residency here. I have couple of queries that I hope some of you, super smart guys, can help me to address / confirm:
1) I understood that if I would take this role, if I will prove to live less than 183 days in Germany I can be taxed in Switzerland (given that here will be my lebenmittelpunkte, where I have my center of life, having my residency, partner, coming back etc). Is this true, and how will it work? first taxed in Germany and claiming back difference through Swiss Tax declaration?
2) Being residence in Swiss, what is still mandatory to keep?My partner will stay in apartment we live together currently, but I am referring to health / accident insurance, unemployment insurance, any other?
3) If anyone knows, will the commuting costs (Swiss - Germany and return) / cost of apartment in Germany be deductable as costs of doing business?
4) Does anyone knows how the pension will work?i.e. will need to open a fund in Swiss to keep my current employer one, and then will have a new one in Germany?
5) Does also anyone knows how the unemployment insurance will work? i.e. if I will lose the job in Germany, will there be an unemployment coverage (and in case from Germany or Swiss)?
Sorry for multiple questions, I hope someone can have a view or a suggestion on who I can ask some confirmation.

Many Thanks!

Luca
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Old 18.05.2020, 16:23
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Re: Potential offer in Frankfurt and commuting to Zurich

I don't know the answers to most of your questions but I'm 99% sure that if you're a resident of Switzerland you pay Swiss health insurance.

If folks here don't have a lot of answers, you can also try our sister forum toytowngermany.com
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Old 18.05.2020, 16:25
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Re: Potential offer in Frankfurt and commuting to Zurich

Also check out the so called Grenzgängerberatung, they have a lot of information on working in CH and living in Germany, but also for the other way around.
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Old 18.05.2020, 19:45
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Re: Potential offer in Frankfurt and commuting to Zurich

If you retain residency, and pay taxes in Switzerland, you'll be allowed to claim a maximum Pauschale for commuting costs. It changes every year (or every so often), and in my canton, in 2019, it was around Fr. 3000. I wouldn't expect anything better in your case.
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Old 18.05.2020, 22:44
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Re: Potential offer in Frankfurt and commuting to Zurich

I prefer to help people who at least tried to google themselves... but I have to disagree with the reply above - if you work in Germany will you have German health insurance. Switzerland accepts that as sufficient for the few cross border workers that go to Germany from CH. There is a double taxation treaty in place so you can maintain a Swiss residency and pay taxes here, but Germany will keep a 4.5 % tax at source.
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Old 18.05.2020, 22:47
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Re: Potential offer in Frankfurt and commuting to Zurich

Any particular reason you are groaning Jorido? Anything you want to add???
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Old 19.05.2020, 09:04
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Re: Potential offer in Frankfurt and commuting to Zurich

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I don't know the answers to most of your questions but I'm 99% sure that if you're a resident of Switzerland you pay Swiss health insurance.

If folks here don't have a lot of answers, you can also try our sister forum toytowngermany.com
Didn't you read the OP? He is not resident in Switzerland, nor is he commuting from Switzerland!

He is resident of this imaginary country called Swiss. Sorry I am not familiar with the residency rules of fairyland and such.
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Old 19.05.2020, 09:06
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Re: Potential offer in Frankfurt and commuting to Zurich

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I prefer to help people who at least tried to google themselves... but I have to disagree with the reply above - if you work in Germany will you have German health insurance. Switzerland accepts that as sufficient for the few cross border workers that go to Germany from CH. There is a double taxation treaty in place so you can maintain a Swiss residency and pay taxes here, but Germany will keep a 4.5 % tax at source.
The double taxation treaty is between Germany and Switzerland, but not with fairy-tale-land "Swiss".
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Old 19.05.2020, 09:29
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Re: Potential offer in Frankfurt and commuting to Zurich

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He is resident of this imaginary country called Swiss. Sorry I am not familiar with the residency rules of fairyland and such.

He might be living in one of the grounded planes.
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Old 19.05.2020, 22:53
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Re: Potential offer in Frankfurt and commuting to Zurich

Hi all, thanks for all the help and reply. So overall I am (and planning to) be resident in Switzerland - Zurich (hope that closes some of the debates above). I have searched a bit the grenzgangerberatung (thanks Roegner!) however without big success.
I have talked also with friends, and so far this is my understanding:
1) yes there is a double treaty agreement Switzerland / Germany and hence there should be only one health insurance to pay (however not sure what is the right process to follow in case - I know health insurance in Switzerland are quite keen on having you still paying...)
2) The taxation will be mixed, and will count the exact days you pass in Germany and Switzerland. i.e. if you spend 60% of time in Germany, 40% in Switzerland, then your income will be taxed for 60% at German rate (based on full salary marginal tax rate) and 40% in Switzerland. You should be able to deduct work related expenses when reasonable (e.g. travelling and a room / small apartment / hotel). You will need to maintain diligently a calendar and proof of your movements / stay

This is where I am - anyone has a different view?

Thanks a lot for help!

Luca
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leaving ch, pension advice, residence, tax abroad, unemployement




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