How to Move to Switzerland: Your Step-by-Step Expat Guide

Moving to Switzerland isn’t just changing locations — it’s the beginning of a new life chapter in a country known for natural beauty, economic strength, and an exceptional standard of living. To turn this vision into reality, you’ll need to plan ahead. This guide covers everything from residence permits and taxes to how to find a home in Switzerland.

1. Entry Requirements and Residence Procedures

Visa or no visa?

Good news: French citizens don’t need a visa to enter Switzerland. However, if you land a job and plan to stay longer than three months, you’ll need to request a permit from cantonal authorities.

Which residence permit should you choose?

The most common permits for EU citizens include:

• • L permit (3 months < length of stay ≤ 12 months): A temporary residence permit issued for stays in Switzerland lasting more than 3 months and up to one year. It often applies to short-term assignments or fixed-term contracts, and is generally renewable.

  • B permit (length of stay > 12 months): Designed for long-term stays, this permit is usually issued for a period of 1 to 5 years, depending on your situation, and can be renewed.

  • C permit (unlimited stay): A settlement permit available after 5 years of continuous residence for EU/EFTA nationals. It provides more stability and extended rights.

  • G permit (cross-border commuter permit): For people who live in a neighboring country (such as France) and work in Switzerland. Holders must return to their primary residence at least once a week. This permit is ideal for cross-border workers who want to benefit from Swiss employment while residing in France.

2. Planning Your Budget: Cost of Living in Switzerland

Life in Switzerland has its pros and cons, and budget is a key factor. In 2025, living expenses in Switzerland are 81% higher than in France. A city-center apartment can reach €3,160/month, and dining out often costs €25–40. But these prices reflect a higher standard of living.

Average salaries exceed €6,300. Services — from public transport to healthcare — are impressively efficient. So yes, it’s more expensive… but the quality of life, safety, and environment are unmatched. Here’s a price comparison between Switzerland and France:

A smart way to manage your budget as an expat in Switzerland is the 50/30/20 rule:

• Spend 50% on needs (rent, transport, insurance…)

• Allocate 30% to wants (restaurants, hobbies, entertainment…)

• Save 20% for real estate plans, career moves, or life’s big surprises

3. Taxes & Personal Finance

Taxation varies by canton in Switzerland. In some, income tax is deducted at source. In others, you’ll declare earnings annually.

Switzerland’s federal system means income tax depends on your canton and even your municipality. Your tax rate also depends on your status — cross-border workers are taxed differently than residents.

Swiss income tax rates

The average tax rate in Switzerland is 33%, slightly lower than France.

Opening a Swiss bank account

Opening a local bank account is often essential when moving to Switzerland. It simplifies rent, salary, and insurance management. You’ll typically need:

• Valid ID

• Employment contract or rental agreement

• Valid residence permit

Additional documents may be required depending on the bank.

Major banks like UBS, Credit Suisse, and Raiffeisen offer expat-friendly accounts, often with user-friendly apps and personal advisors.

Note: cantonal banks only serve residents of that canton. If you move, you may need to transfer your account.

Most banks now offer multi-currency options, ideal for cross-border workers. Average credit/debit card fees are CHF 50/year, with minor variations across institutions.

Healthcare, Universities & Public Services: What to Expect

Health insurance is mandatory

Unlike France, Switzerland doesn’t offer universal social security. Everyone must purchase a basic health insurance plan (LAMal) from a private insurer. These are regulated by the Federal Office of Public Health.

Cross-border workers have 3 months from their first day of work in Switzerland to choose between Swiss or French healthcare.

Studying in Switzerland: International-Grade Education

Switzerland is home to around ten universities welcoming students from across the globe in all academic fields. The system is known for its academic rigor and global mindset. You’ll find:

• Top public universities ranked among the best in Europe, including Geneva, Lausanne, and Zurich.

• A wide range of English-language programs in major cities, great for international and multicultural students.

Only the University of Geneva and University of Lausanne offer French-language programs. In 2024, they ranked 58th and 101st respectively in the Shanghai ranking.

Highly efficient public services

Switzerland’s public services are designed for all, from city centers to Alpine villages. Everyone has access to reliable transport, healthcare, and education. This is one of the country’s strengths: top-tier services supported by cutting-edge infrastructure and outstanding governance. Compared to other European nations, Switzerland focuses on balance, inclusion, and excellence — building a society that moves forward, together.

Living in Switzerland – or Just Next Door: Which City Should You Choose?

Switzerland is the #1 European destination for French expats. As of December 31, 2024, there were 171,884 French nationals living in Switzerland.

Geneva: The International City

In Geneva, global life is the norm — from the UN to bustling neighborhoods. Perfect for multicultural profiles, the city is bilingual (French and English).

It’s easy to build a professional network here. Campuses are modern, and cultural cafés offer plenty of spots to relax across Geneva’s top neighborhoods.

Lausanne: Youthful, Green & Well-Connected

Located on Lake Geneva, Lausanne is ideal for students and young professionals. A mid-sized city, it blends quality of life, dynamic university culture (EPFL, UNIL), and nature access.

After a day of work or study, enjoy parks and lakeside beaches. Cultural events thrive in a relaxed and welcoming atmosphere. Everything’s smooth, accessible, and full of energy.

Zurich: The Perfect Balance

Zurich is the country’s economic hub, but there’s more to it. Between meetings or lectures, breathe in fresh air by the lake or in urban forests. The city attracts both young grads and creative freelancers.

They’re drawn to the dynamic ecosystem, innovation hubs, and top-tier lifestyle. It’s a place where ambition, nature, and well-being intersect.

Basel, Lucerne, Bern: Calm Alternatives with Local Charm

Want something off the beaten path? These three cities offer a slower pace, lower rents, and authentic vibes. Bern, the capital, boasts museums and green spaces. Lucerne impresses with postcard-worthy views.

Basel pulses with art and science. Whether you’re studying, starting your career, or settling in, these cities offer winning combinations.

Archamps: living in France, just steps from Geneva

What if true luxury was waking up to a view of the Alps, while staying connected to the vibrant energy of Geneva? In Archamps, a charming French village on the border, you get the best of both worlds: the peaceful rhythm of life surrounded by nature, and quick access to Geneva’s international scene.

This is where the Genève Archamps residence has found its home. A modern haven designed for young professionals, students, and remote workers seeking comfort, space, and community. Bright rooms, inspiring shared spaces, a warm and welcoming atmosphere… It’s easy to feel at home here.

The kind of place you’d rather keep to yourself—yet can’t help but recommend.

Swiss Culture: Between Structure and Warmth

Understanding is key to integration

Living in Switzerland means adapting to some cultural norms:

• Moderation and rule-following are key to harmony.

• Punctuality is a cultural must.

• Interactions are courteous but reserved — patience and respect go a long way.

Cultural richness through diversity

With four national languages and French, German, Italian, and Romansh influences, Switzerland is a cultural crossroads. It’s the perfect place to build a vibrant, exchange-driven community.