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Finance

Financial tips for your start in Switzerland: withholding tax, reference interest rate, rental deposit, health insurance and budget planning. Clearly explained with templates.

5 articles
Handover checklist and keys during a rental handover in Switzerland
11 min30.01.2026

Rental Deposit in Switzerland – How to Hand Over Without Disputes (incl. Handover Checklist Template)

How to protect your rental deposit in Switzerland. With handover checklist, photo documentation, timelines and common dispute points to get your deposit back faster.

Jens Herbst
Jens Herbst
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Rent reduction request in Switzerland, letter template and reference rate
12 min01.02.2026

Reference interest rate 1.25 percent, rent reduction in Switzerland, how to request it properly

The reference interest rate is 1.25 percent. Learn how to check eligibility and request a rent reduction with a template, timelines and a clean process.

Jens Herbst
Jens Herbst
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Swiss withholding tax, checking your payslip and NOV deadline
13 min05.02.2026

Swiss withholding tax, what expats need to know, NOV, 120k threshold, March 31 deadline

Swiss withholding tax explained. How to spot payslip mistakes, when NOV makes sense and how not to miss the March 31 deadline. Includes templates.

Jens Herbst
Jens Herbst
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Swiss health insurance after moving, documents and deadlines
12 min03.02.2026

Swiss health insurance after moving, the 90 day rule and 7 common mistakes to avoid

You usually have 3 months to get basic health insurance after moving, but coverage is retroactive. Choose correctly without stress, incl checklist and templates.

Jens Herbst
Jens Herbst
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Opening a bank account in Switzerland – smartphone with banking app and Swiss francs
12 min24.02.2026

Opening a Bank Account in Switzerland – Neobank, Big Bank or Cantonal Bank, the Honest Comparison

Which bank account suits you as an expat or student in Switzerland? Neon, Yuh or Zak? Big bank or cantonal bank? Fees, foreign currency and account opening in an honest comparison.

Jens Herbst
Jens Herbst
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    Finances in Switzerland - Tips for Expats | Bovita