New to Switzerland? Start with these essentials before you make any big financial decisions. Below is a step-by-step reading flow: work through it roughly in order during your first few months, it’s built to cover the decisions that are hardest to undo later.
Your first 90 days: a reading flow for new expats
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Your permit (B, C, L, G, or Ci) determines your tax situation and what banks and landlords will ask for, sort this understanding out first.
You need one before your first paycheck arrives. Also compare a cantonal bank for a fee-free salary account.
Many newcomers default to a familiar multinational brand and pay monthly fees a local cantonal bank would waive.
Required within three months of arrival, cover is backdated, so don't delay comparing options.
Have your application file ready before viewings, and understand deposits and notice periods before you sign.
Knowing how to search, apply, and make a strong impression at a viewing makes a real difference in a competitive rental market.
A prepaid SIM gets you a number fast, then compare monthly plans once you're settled.
Work out your real commuting cost before defaulting to full-fare tickets.
Your canton, not just your salary, determines your real take-home pay.
Switzerland's insurance culture means you'll be offered more cover than you need, know what to actually skip.
Bank transfer apps and specialists can differ meaningfully on the exchange rate, not just the fee.