Residence without gainful activity • Switzerland

Living in Switzerland — without working

For retirees and persons of independent means. EU/EFTA: financial means + insurance. Non-EU: direct personal ties with Switzerland. Forfait fiscal available for HNWI.

Non-EU: Federal Court case law requires ties with Switzerland independent of family ties. A family member already resident is not sufficient in itself.

EU/EFTA vs non-EU — different rules

EU/EFTA

Right to a 5-year B permit with: financial means above the SKOS threshold (~CHF 2,259/month for a single person) and comprehensive health insurance. Municipal registration within 14 days. No proof of ties with Switzerland required.

Non-EU

Substantial financial means (federal minimum CHF 25,200/year, cantons often require much more), health insurance, 183+ days/year in Switzerland and direct personal or socio-cultural ties independent of family ties (Federal Court case law).

Registration after arrival

1

Canton and accommodation selection

Cantons vary in their interpretation of the financial threshold. We advise the most suitable canton for your profile.

ImmiLex
2

Health insurance

Mandatory within 3 months of arrival, retroactive.

Mandatory within 3 months
3

Municipal registration (within 14 days)

Passport/ID, proof of financial means, insurance. 5-year B permit.

Applicant + ImmiLexWithin 14 days

Fees

Orientation consultation

CHF 250

1 hour • Deducted if mandate

  • EU vs non-EU
  • Canton selection
  • Forfait fiscal applicability
  • Realistic financial thresholds

EU/EFTA — Registration

CHF 1,300

Orientation fee deducted

  • Financial documentation
  • Health insurance guidance
  • Municipal registration

Frequently asked questions

Can I receive passive income?

Yes. The prohibition concerns active gainful employment. Investment returns, pensions, dividends and foreign rental income are permitted.

What are 'ties with Switzerland' for non-EU nationals?

Federal Court case law requires direct connections independent of family ties: membership of local associations, documented extended stays, real estate ownership with effective use.

What is the financial threshold for non-EU nationals?

Federal: CHF 25,200/year (single person). Expensive cantons (Zurich, Geneva, Vaud) expect CHF 80,000–120,000/year or more.

What is the forfait fiscal?

Fixed tax based on living expenses in Switzerland rather than worldwide income. Requires no Swiss tax residence in the previous 10 years and no gainful activity.

Start your journey

One hour via Zoom. We analyse your situation and give you a concrete roadmap. CHF 250.

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One hour via Zoom with a dedicated expert. We analyse your situation, identify the most efficient path and give you a concrete roadmap. CHF 250.

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Orientation consultationCHF 250

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