{"id":9210,"date":"2018-11-05T16:48:06","date_gmt":"2018-11-05T14:48:06","guid":{"rendered":"https:\/\/www.b-quadrat.at\/new-cross-border-commuters-in-switzerland\/"},"modified":"2025-12-18T12:57:07","modified_gmt":"2025-12-18T10:57:07","slug":"new-cross-border-commuters-in-switzerland","status":"publish","type":"page","link":"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/new-cross-border-commuters-in-switzerland\/","title":{"rendered":"New cross-border commuters in Switzerland"},"content":{"rendered":"[vc_row][vc_column][vc_column_text]\n<h1><strong><span style=\"font-family: verdana, geneva, sans-serif;\">New cross-border commuters in Switzerland<\/span><\/strong><\/h1>\n[\/vc_column_text][vc_column_text]\n<h2><span style=\"font-family: verdana, geneva, sans-serif;\">Tips and information for new cross-border commuters from Austria to Switzerland<\/span><\/h2>\n[\/vc_column_text][vc_single_image image=&#8221;9134&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h3><span style=\"font-family: verdana, geneva, sans-serif;\">General information<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">The same employment and salary conditions apply to cross-border commuters in Switzerland as to domestic employees.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><strong><span style=\"font-family: verdana, geneva, sans-serif;\">As a cross-border commuter, you can benefit from higher wages in Switzerland and lower living costs abroad. However, there are a few things to consider in terms of tax and insurance. <\/span><\/strong><\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Around 403,000 people were working as cross-border commuters in Switzerland at the end of 2025. As a cross-border commuter, you can ideally benefit from the high wages in Switzerland while keeping the cost of living low with a foreign residence. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">To be able to work in Switzerland as a cross-border commuter, you need a cross-border commuter permit. Your future employer must apply for this on your behalf. You will also need an employment contract. If this is for a fixed term, the G permit is valid for the duration of the employment relationship. If this lasts more than one year, the cross-border commuter permit is valid for five years.    <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">To qualify as a cross-border commuter, you must commute regularly to your place of residence &#8211; usually every day. However, the term has been redefined for EC\/EFTA citizens. They now only have to return to their foreign place of residence at least once a week.  <\/span><\/p>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#000f8a&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]\n<h2><span style=\"color: #ffffff;\"><strong><span style=\"font-family: verdana, geneva, sans-serif;\">Best cross-border commuter advice incl. net salary calculation <\/span><\/strong><\/span><\/h2>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt;  Free and non-binding advice since 2003<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt;  Net wage calculation &amp; practical tax tips<\/span><br \/>\n <span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt; Best and cheapest health insurance for cross-border commuters<br \/>\n&gt; Help with choosing the right bank account<br \/>\n<\/span><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #000000;\"><span style=\"color: #ffffff;\">&gt; Help with registering with the tax office and much more<\/span><\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;90px&#8221;][vc_btn title=&#8221;Arrange a consultation now&#8221; color=&#8221;danger&#8221; link=&#8221;url:https%3A%2F%2Fbook.timify.com%2Fservices%3FaccountId%3D5dd58034ea99b411773abb33%26hideCloseButton%3Dtrue|title:Arrange%20a%20consultation%20now|target:_blank|&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h3><\/h3>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Double taxation agreement (DTA) for cross-border commuters from Austria to Switzerland<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Anyone who has their center of life in Austria and works in Switzerland is taxed in Austria.  <strong>However, for the calculation of income tax in Austria, the tax paid in Switzerland (withholding tax) is taken into account in accordance with the double taxation agreement between Switzerland and Austria.<\/strong><\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>TIP:<\/strong> Arrange a free initial consultation with one of our experts. We will be happy to help you calculate your net salary, taking into account all deductions including health insurance (&#8211;&gt; <a href=\"https:\/\/book.timify.com\/services?accountId=5dd58034ea99b411773abb33&amp;hideCloseButton=true\" target=\"_blank\" rel=\"noopener\">to make an appointment online<\/a>)  <\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Further information on this topic<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">&#8211;&gt; <a href=\"https:\/\/www.b-quadrat.at\/spezialgebiete\/grenzgaenger\/informationen-fuer-neue-grenzgaenger-in-die-schweiz-oder-liechtenstein\/grenzgaenger-steuer\/\" target=\"_blank\" rel=\"noopener\">Cross-border commuters &amp; tax<\/a><br \/>\n&#8211;&gt; <a href=\"https:\/\/www.b-quadrat.at\/spezialgebiete\/grenzgaenger\/nettolohnberechnung-fuer-grenzgaenger-in-die-schweiz-liechtenstein\/\" target=\"_blank\" rel=\"noopener\">Net wage calculation for cross-border commuters<\/a><\/span><\/p>\n<h3><\/h3>\n<h3 style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Health insurance for cross-border commuters Austria &#8211; Switzerland?<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-size: 12pt;\"><span style=\"font-family: verdana, geneva, sans-serif; text-align: justify;\">In Switzerland, insurance is generally compulsory.<\/span><span style=\"font-family: verdana, geneva, sans-serif; text-align: justify;\"> <\/span><strong style=\"font-family: verdana, geneva, sans-serif; text-align: justify;\">However, cross-border commuters from Germany, Austria, France and Italy are subject to a<\/strong><strong style=\"font-family: verdana, geneva, sans-serif; text-align: justify;\">  Special regulation: the so-called right of option. This allows you to be exempted from compulsory insurance in Switzerland and continue to take out health insurance in your country of residence. <\/strong><span style=\"font-family: verdana, geneva, sans-serif; text-align: justify;\">  In order to exercise the option, you must submit the application to your canton of work within three months and provide proof of equivalent insurance cover in your country of residence.<\/span><\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Tip:<\/strong> Cross-border commuters in Switzerland also have the right to choose again when they get married or after the birth of a child and can therefore be exempted from compulsory health insurance in Switzerland within 3 months of these events.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Further information on this topic<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">&#8211;&gt; <a href=\"https:\/\/grenzgaengerversicherung.at\/grenzgaenger-krankenversicherung\" target=\"_blank\" rel=\"noopener noreferrer\">Cross-border commuters &amp; health insurance<\/a><\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">&#8211;&gt; <a href=\"https:\/\/grenzgaengerversicherung.at\/angebot-grenzgaengerversicherung-anfordern\" target=\"_blank\" rel=\"noopener noreferrer\">Request a non-binding offer<\/a><\/span><\/p>\n<h3><\/h3>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row bg_type=&#8221;bg_color&#8221; bg_color_value=&#8221;#000f8a&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_column_text]<span style=\"color: #ffffff; font-family: verdana, geneva, sans-serif; font-size: 14pt;\"><strong>Best health insurance for cross-border commuters<\/strong><\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt; Comparison of all tariffs and providers<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt; Nowhere cheaper guarantee<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt; color: #ffffff;\">&gt; Independent and objective<\/span>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_empty_space height=&#8221;55px&#8221;][vc_btn title=&#8221;Request a quote now&#8221; color=&#8221;danger&#8221; link=&#8221;url:https%3A%2F%2Fgrenzgaengerversicherung.at%2Fangebot-grenzgaengerversicherung-anfordern|title:Request%20a%20quote%20now|target:%20_blank|&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h3 style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif;\">Old-age provision and accident insurance<\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Anyone who works more than eight hours a week in Switzerland is automatically insured for AHV. The AHV pension is intended to secure your livelihood in old age. Anyone who earns more than CHF 22,680 a year (as of 2026) automatically pays half of this into the 2nd pillar, the occupational pension scheme, with their employer.  <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">All employed persons in Switzerland are also insured against the consequences of occupational accidents and illnesses. The premiums are paid by the employer. Anyone who works more than eight hours a week is also insured against leisure accidents. The premiums for non-occupational accident insurance (NBU) are again paid by the employee.   <\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Further information on this topic<\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">&#8211;&gt; <a href=\"https:\/\/www.b-quadrat.at\/spezialgebiete\/private-krankenversicherung\/grenzgaengerversicherung\/suva-unfall-bei-grenzgaengern\/\" target=\"_blank\" rel=\"noopener noreferrer\">SUVA &#8211; Accidents involving cross-border commuters<\/a><\/span><br \/>\n<span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">&#8211;&gt; <a href=\"https:\/\/grenzgaengerversicherung.at\/grenzgaenger-information\/ahv-rente-und-kapital-nach-der-grenzgaengertaetigkeit-in-der-schweiz\" target=\"_blank\" rel=\"noopener noreferrer\">AHV pension and pension fund<\/a><\/span>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;55px&#8221;][vc_widget_sidebar sidebar_id=&#8221;sidebar-19&#8243;][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] New cross-border commuters in Switzerland [\/vc_column_text][vc_column_text] Tips and information for new cross-border commuters from Austria to Switzerland [\/vc_column_text][vc_single_image image=&#8221;9134&#8243; img_size=&#8221;full&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] General information The same employment and salary conditions apply to cross-border commuters in Switzerland as to domestic employees. As a cross-border commuter, you can benefit from<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":9255,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-FullWidth.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-9210","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New cross-border commuters in Switzerland | Austria - Most important information<\/title>\n<meta name=\"description\" content=\"Valuable tips &amp; information for new cross-border commuters in Switzerland (taxes, health insurance, accident insurance, retirement provision, etc.)\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/new-cross-border-commuters-in-switzerland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New cross-border commuters in Switzerland\" \/>\n<meta property=\"og:description\" content=\"Valuable tips &amp; information for new cross-border commuters in Switzerland (taxes, health insurance, accident insurance, retirement provision, etc.)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.b-quadrat.at\/en\/cross-border-commuter\/new-cross-border-commuters-in-switzerland\/\" \/>\n<meta property=\"og:site_name\" content=\"B-Quadrat | Versicherungsmakler. 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Im Vergleich zu Einzelfirmenvertretern und Bankberatern, die lediglich ihre hauseigenen Produkte verkaufen d\u00fcrfen, haben wir durch unsere Unabh\u00e4ngigkeit Zugriff auf mehr als 80 Versicherungs- und Finanzanbieter. Wir verstehen uns als Partner in immer komplexer werdenden M\u00e4rkten und geben Ihnen Orientierung im Angebotsdschungel der Versicherungen, Banken und Bausparkassen. Speziell f\u00fcr Grenzg\u00e4nger: Seit 2003 erhalten Grenzg\u00e4nger von uns eine kostenlose Auskunft und Beratung zu s\u00e4mtlichen Themen die Grenzg\u00e4nger besch\u00e4ftigen, wie z.B. die Krankenversicherung f\u00fcr Grenzg\u00e4nger, die Auswahl des passenden Bankkontos, dann helfen wir mit einer Nettolohnberechnung, der Anmeldung beim \u00f6sterreichischen Finanzamt, praktischen Steuertipps und vielen Dingen mehr. Wir arbeiten mit allen \u00f6sterreichischen Anbieter zusammen und sind in Vorarlberg der f\u00fchrende unabh\u00e4ngige Versicherungsmakler und Berater f\u00fcr Grenzg\u00e4nger. F\u00fcr unsere Dienstleistung (unabh\u00e4ngige Grenzg\u00e4ngerberatung \/ unabh\u00e4ngige Grenzg\u00e4ngerauskunft) entstehen Ihnen keinerlei Kosten, da wir aufgrund der Unterst\u00fctzung unserer Partner in der Lage sind eine kostenlose Beratung anzubieten. Sie finden uns in Dornbirn, dem Herzen von Vorarlberg, welches von \u00fcberall aus Vorarlberg, aber auch aus der Schweiz, dem Liechtenstein und aus Deutschland sehr gut zu erreichen ist. Vereinbaren Sie einen Termin, schreiben Sie uns eine E-Mail oder rufen Sie uns an und profitieren Sie von unserer Kompetenz in Versicherungs- und Grenzg\u00e4ngerangelegenheiten. Wir freuen uns auf Sie und Ihre Fragen! Unabh\u00e4ngig, kompetent und engagiert! Herzlichst Ihr Martin H\u00e4usler","email":"office@b-quadrat.at","telephone":"+43 5572 398770","legalName":"B-Quadrat Finanzberatungs GmbH","foundingDate":"2003-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"_links":{"self":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9210","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/comments?post=9210"}],"version-history":[{"count":6,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9210\/revisions"}],"predecessor-version":[{"id":9596,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9210\/revisions\/9596"}],"up":[{"embeddable":true,"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/pages\/9255"}],"wp:attachment":[{"href":"https:\/\/www.b-quadrat.at\/en\/wp-json\/wp\/v2\/media?parent=9210"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}