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COST OF LIVING

Cost of living: How to save on groceries in Switzerland

Want to save more than a few francs when doing your weekly shop in Switzerland? Here’s how.

Fresh fruits and vegetables at an outdoor market
Saving money on groceries in Switzerland isn't easy, but it isn't impossible. Here are some tips. Photo by ja ma on Unsplash

While Switzerland’s grocery stores are a good bit cheaper than restaurants or bars, they will still often charge eye-watering amounts. 

That said, there are a few ways to save money when doing your regular shop. 

While some of these are Swiss-specific, others are valid everywhere (you might even remember them from your student days). 

If we’ve missed anything, let us know in the comments or get in touch at [email protected]. 

Tips for Switzerland (and probably everywhere else)

So as with almost everything on The Local Switzerland, the advice is tailored to life here in the Confoederatio Helvetica. 

There are some tips however which are universal and will help you save on groceries whether you are in Switzerland or abroad. 

Probably the first step in considering how to save money is to remember your student days. 

Cost of living in Switzerland: How to save money if you live in Zurich

Rice and pasta are relatively cheap in Switzerland, while meat and cheese are comparatively expensive. 

Making a large amount of food and freezing it is a possibility, particularly if you buy the meat from a discount retailer like Aldi and Lidl. 

Another tip is to keep an eye on food close to its expiration date. 

While buying expired meat and cheese is a sure fire way to upset your stomach (and perhaps anyone else in your vicinity), getting stuff close to its expiry date will pose few risks and save quite a bit. 

Also know the difference between ‘best before’ and ‘expiry/use by’ dates. 

While pasta and canned food may survive forever and well past the best before date, Bernese blood tongue sausage will not. 

Coupons and regular specials/deals – whether online or in print like supermarket magazines – are also very much a thing in Switzerland and are worth looking into. 

Discount supermarkets

After arriving in Switzerland, it won’t take you long before you work out the hierarchy of Swiss supermarkets. 

At one end are luxury supermarkets like Manor and Globus – and in the middle are Migros, Denner and Coop (although Coop tends slightly more expensive than Migros and Denner is the cheaper of the three). 

At the cheaper end are Germany’s Lidl and Aldi, which is known here as Aldi Suisse. 

These discounters offer some of the most reasonably priced groceries in Switzerland. 

Be aware that they lack the conveniences of other supermarkets in the UK, US or France. You won’t find many large brands, while you will often need to take your products out of boxes and bag your groceries yourself (although that is relatively common place in Switzerland). 

READ MORE: How the cost of living will change in Switzerland in 2022

Avoiding supermarkets entirely

Even discount supermarkets can be pricey in Switzerland, while the range tends to be relatively predictable. 

One option is to visit a farmer’s market, where Switzerland’s best and close-to-best produce can be bought at prices cheaper than supermarkets. 

Often the food will be fresher and while there may be a few spots on your apples, it’ll taste as good or better than supermarket fare. 

Be aware though that while farmers markets are cheap, not all outdoor markets are created equal. 

Fancy, inner city, designer markets will often have boutique and craft-style offerings where you can shake the hand of the cow that produced the cheese, but where prices will rival those seen in higher-end supermarkets. 

So when it comes to markets, be sure to shop around and compare the costs with those in your local supermarket. 

Farmers markets are a good way to save money on fresh produce. Photo by Jorge Franganillo on Unsplash

Farmers markets are a good way to save money on fresh produce. Photo by Jorge Franganillo on Unsplash

BYO bags

A relatively simple one which will become habit in no time, but bringing your own bags is a great way to save a little cash when doing your grocery shop.

EXPLAINED: How to find cheap train tickets in Switzerland

Swiss supermarkets, like many across Europe, have sought to phase out single-use bags for environmental reasons. 

If you’ve forgotten to bring your own bags there are always reusable or single use bags available, although you will have to pay. 

Readers from the US have previously told us that they didn’t realise they were being charged for single-use bags every time they did a grocery shop – which can add up to several francs at the end of the year. 

Loyalty schemes

Most major Swiss supermarkets have loyalty schemes where you can accrue points with every purchase. 

You’ll be offered rewards for your loyalty, while in other cases your points become purchase credits. 

EXPLAINED: The real reason Swiss supermarket Migros doesn’t sell alcohol

These loyalty schemes will usually be available at all retail outlets operated by the same company, i.e. Coop’s Supercard program is available at Coop Pronto (gas stations and convenience stores) and Coop City, while Migros’ Cumulus program is also available at Migrolino and Migrol (gas stations). 

As with all loyalty schemes, the idea is to get you to spend more at the one store, so be careful to ensure you don’t end up spending more than you otherwise would if you weren’t being loyal. 

Seasonal food

Switzerland remains a country of traditions and as such seasonal food is very much still a thing.

Foods in season will be more plentiful and likely cheaper, particularly as they will not need to be imported.

This especially applies to fresh foods like blueberries and white asparagus, but other staples will also see fluctuations.

White asparagus for sale at a farmers market. Photo by Waldemar Brandt on Unsplash

White asparagus for sale at a farmers market. Photo by Waldemar Brandt on Unsplash

Don’t go shopping in Switzerland

OK so this isn’t always possible depending on where you live, but for people in cross-border regions it is common place to go shopping in either Germany, Italy or France (and even Austria, although the mountain passes can make it difficult). 

Shopping across the border can lead to serious savings over time – particularly in Germany – although there are Covid rules and tax regulations to be aware of. 

You can find out more about these at the following links. 

READ MORE: What are the current rules for Swiss cross-border shopping in Germany?

READ MORE: The rules Swiss cross-border shoppers in France and Italy should know

Keep in mind however that while most standard groceries will be cheaper abroad, this is not always the case. 

As we discussed in this article, some things are actually cheaper in Switzerland. 

One major example is petrol, with Switzerland’s lower fuel taxes making non-diesel fuel cheaper in Switzerland – with the French and the Germans crossing the border to fill up here. 

READ MORE: Where in Switzerland can you find the cheapest fuel?

Order online from abroad

Good news for people who like to purchase goods on the Internet: from January 1st, Swiss customers will no longer be denied access to foreign online shopping platforms.

Currently, anyone in Switzerland who tries to access the “.de” or “.fr” version of a merchant site, is automatically redirected to a Swiss sales portal where the merchandise is more expensive.

But from January 1st, the law will ban geo-blocking on the internet in this area, a rule in force in the EU since 2018.

READ MORE: Everything that changes in Switzerland in 2022

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For members

COST OF LIVING

Cost of living: Four challenges Swiss residents are facing and how to deal with them

Even though Switzerland is weathering the economic downturn better than other nations, people are still having to deal with an increasing number of problems. We look at what they are and give tips on how to save money.

Cost of living: Four challenges Swiss residents are facing and how to deal with them

Its European neighbours probably think Switzerland doesn’t have a care in the world — its inflation rate is much lower than elsewhere and its economy is stronger than most.

All that is true, and looking from the outside in, it does appear that the Swiss are faring relatively well in comparison with their EU counterparts.

However, this idealised perception of Switzerland is deceptive, as many residents are facing hardships that are not likely to be resolved in the immediate future.

Soaring rents

After the Federal Housing Administration raised reference rates to 1.50 percent from June 3rd, another hike — this time to 1.75 percent — by the Swiss National Bank (SNB), also went into effect.

These increases are putting further pressure on the tenants already dealing will high costs amid a very tight housing market, especially in large cities.

READ ALSO: Tenants in Switzerland hit by another blow with rent prices to rise further

TIP: So, what can you do if you have received a notice of your rent going up?

While the situation may seem hopeless, there are some actions you can take.

First, you can check whether the increase is higher than it should be.

You can do this using special online calculators that Switzerland’s tenant association make available.

They ask you to insert relevant information relating to your rental contract, as well as other details, and you will then see if your current rent, as well as any impending hikes, are justified.

The calculator can be found here for Swiss German regions and for French-speaking areas.  

In the mainly Italian-speaking Ticino, the local chapter can inform you how to check your rent. 

If it turns out your hike is excessive, you have the right to challenge it by reporting it to the BWO.

Increasing rents are a major headache in Switzerland. Photo: Pixabay
 

Higher health insurance premiums

Swiss healthcare premiums soared by 6.6 percent on average in 2023, putting an added financial burden on many families.

Unfortunately, these costs are expected to go up again in 2024.

In fact, not only are they set to increase again, but they may also be significantly more expensive next year: the latest figures f already show a 7.5-increase in costs per insured person.

TIP: Health insurance premiums take a huge bite out of household budgets, so what can you do to lower the bill?

Final premiums will be released by October 31st, and you will then have until November 30th to find a cheaper plan that allows you to cut at least some of the cost.

If you do decide to part ways with your current carrier, make sure you have another one in its place before making the switch. Health insurance is compulsory in Switzerland for every resident, whether Swiss or foreign, so you can’t be without coverage even for a short period of time.

Once you find a less expensive option, you can cancel your current plan.

The insurance carrier must receive your termination letter, sent by registered mail, no later than November 30th.

You must attach proof that you have taken out a new insurance policy.

Any outstanding monthly premiums must be paid before you can make the switch

READ ALSO: How to save money by changing your Swiss health policy

Rising cost of electricity

In addition to rents and health insurance, another fixed household cost — electricity — will be hit by price increases as well, even though they already increased sharply in 2023

The expected hike will be around 12 percent, the Association of Swiss Electric Companies announced in June.

This means that a typical household of four people will pay 30 cents per kilowatt hour for its electricity, against 27.2 cents this year.

TIP: While you can’t do anything about the price increases you can lower your bill by using electricity sparingly.

For instance:

  • Use heat in moderation, setting the temperature according to the size of the room and how often it is being used. Unoccupied rooms should not be heated at all
  • Turn off the light when leaving a room (this advice is logical and reasonable, and yet many people neglect to do so)
  • Shut down electrical appliances such as TV and computers completely when not in use, or even unplug them altogether
  • Use appliances with the energy label “A”, LED lamps and energy-saving bulbs, avoiding devices with high energy consumption, such as aquariums and fan heaters

Lower the indoor temperature to save on electricity. Photo: Pixabay
 

Lower purchasing power
 
Even though Switzerland’s inflation dropped to 1.7 percent in June — the lowest level since the war in Ukraine started in February 2022 — the cost of living is continuing to climb.

Not only have all the above-mentioned services gone up, but so have the prices of many essential consumer goods, including food, which have risen by approximately 20 percent

TIP: There is obviously not much you can do about food prices. You can, however try to save by shopping in the least expensive stores, for example in Aldi and Lidl, where products are typically cheaper than at Migros and Coop.

You can also opt for cheaper items, collect loyality points to save money and keep an eye on coupons. 

READ ALSO :

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