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SWISS HABITS

Six things foreign residents should never do in Switzerland

If you have been living in Switzerland for a while, you know that this a country of rules and regulations (both written and not) that you should never break.

Recycling bins in Geneva.
Recycling bins in Geneva. Photo by Thomas COEX / AFP

You may believe that some of the things people in Switzerland are expected to do, either by law or convention, are too strict or downright odd, especially if you are used to doing them differently in your own country.

But the fact is that Switzerland works quite efficiently and is so well organised precisely because people follow the rules — whether they agree with them or not.

These are some that you should never break:

Wrong trash disposal / recycling

Switzerland is one of the world’s ‘Top 10’ best recyclers, and if you live here, you probably already got the hang of the system; if not, then you should.

That’s because garbage disposal here is a serious matter. How serious? Just look at what the law says.

In nearly all towns and villages, trash must be segregated and placed in special bags or in bags that have a special sticker on them, and placed in a designated collection point on assigned days.

Not segregating your trash — for instance, throwing out PET bottles with tin cans or paper, or not putting it out on correct days — can result in heavy fines, the amount of which is determined by each individual commune.

Municipal workers have the right to go through trash bags to identify garbage offenders — and they do.

READ MORE : Trash talk: What are the rules for garbage disposal in Switzerland?

Not taking out a health insurance policy

If you come from a country with a nationalised health system (as most EU nations are), you may resist paying for your own policy in Switzerland and expect the government to provide you with one.

But that’s not how it works.

There are two rules pertaining to health insurance : it is compulsory in for all legal permanent residents, and anyone who moves here must get health coverage within three months of their arrival. 

READ MORE: Everything you need to know about health insurance in Switzerland

After that date, you will likely receive a letter from the government asking you to provide proof that you took out a policy.

If you fail to do so, your local authority will choose a plan on your behalf and you will have to pay the premiums.

If you don’t, you’ll be placed on a blacklist. Sooner or later (probably sooner) you’ll be caught and will have to pay arrears— the Swiss are very organised and efficient.

In the meantime, if you require medical help, you will receive only the emergency treatment; any follow-ups will be denied until you purchase insurance. So, refusing to buy one hurts no one but yourself.

It is also important for another reason: being a part of the community.

Switzerland’s health systemis based on the principle of solidarity, the extent of which is rare in other nations’ health insurance systems.

Rather than applying an individual approach to healthcare insurance, Switzerland’s system is based on the idea that all insured people form a group.

You can think of this system in terms of a huge pot to which each resident of Switzerland makes a contribution (that is, premium payments), so that in an emergency there are enough resources available to give someone the help they need when they need it.

READ MORE : EXPLAINED: How the Swiss health insurance system is based on solidarity

Being too intrusive

Basically, this means you should avoid annoying your neighbours and people in general.

For instance, you should not generate loud noises on inappropriate days (Sundays) and at inappropriate hours (10 pm to 7 am).

All apartment buildings in Switzerland have a noise ordinance in place, which bans loud noises after 10 pm. You might have heard that you are not even allowed to flush your toilet after this time, but in most buildings this is not the case, unless your toilet sounds like a jackhammer.

And Sundays are considered rest days, so your neighbours’ peace and quiet should not be disrupted by a sound of a lawn mower, hedge cutter, or nail being hammered into a wall.

But there is another aspect to intrusiveness as well.

The Swiss (especially the older generation) value their privacy and don’t like being prodded about their personal lives. So don’t ask what could be construed as inappropriate questions (for instance, “how much do you earn”?), but rather wait for them to open up themselves and divulge as much information as they feel comfortable doing.

By the same token, don’t expect them to show much curiosity about you either; as much as they value their own privacy, they value other people’s too — a trait which is often taken as aloofness.

Expecting everyone to speak English to you

There is an abundance of anecdotal and observational evidence about English-speakers in Switzerland never learning any of the local languages but rather expecting the Swiss to speak English to them.

Not only that, but these people actually get annoyed when the locals don’t answer in English.

Possibly because they believe that English is one of Switzerland’s official languages (it isn’t) or that it should be (it won’t), many don’t even make an effort to learn German, French, or Italian, just expecting everyone to understand and answer in English.

And this leads to another important point:

Refusal to integrate

The Swiss are big on “integration” — they believe, right or wrong (probably right), that foreigners should assimilate if they are going to be living in the country.

This doesn’t mean you should give up your own identity; instead, you should learn the language of the region where you live — if not fluently, at least sufficiently for you to communicate with the locals.

It also implies that you should get familiar with and show respect for the “Swiss” way of life: their customs, traditions, and practices — and yes, also their rules — no matter how inane you may think they are.

But there is even more: a number of articles have been written about people complaining about being disturbed by the chiming of bells on village clocks and around cows’ necks.

Bad, bad mistake.

That’s because this attitude shows not only lack of integration, but also unwillingness to adapt to local ways.

If such things bother you, don’t choose to live near a church, a pasture, or a rooster farm.

Insulting the national identity

The Swiss are very proud of their country — and themselves as people — and for a good reason.

Therefore, one of the worst things a foreigner can do (aside from all of the above points) is to call Swiss-Germans “Germans”, Swiss-French “French” and Swiss-Italians “Italians”.

No matter what language they speak or in which part of the country they live, identifying the Swiss by their linguistic region is a definite faux pas, especially if it comes from a foreigner.

The Swiss loathe to think of themselves as anything other than, well Swiss, especially as they look down on anyone else.

Whether they are justified in doing so or not is beside the point; what matters is that foreigners should not disabuse the Swiss of this notion on their own territory.

After all, there are worse things in life than patriotism and national pride.

READ MORE: ‘We don’t like France, Germany or Italy’: How linguistic diversity unites Swiss football fans

These articles provide more information about the ‘dos’ and ‘donts’ in Switzerland:

Eight ways to annoy your Swiss friends

Seven tips to help you settle in Switzerland

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SWISS HABITS

Switzerland sees significant decline in cash payments

The Swiss are known for being fond of using cash - rather than card - for buying goods. But a new study shows cash usage is declining significantly.

Switzerland sees significant decline in cash payments

Anyone who’s spent time in Switzerland will be aware that cash is still used often – which is not the case in many other countries.

But a new study shows that fewer people are using notes and coins to pay for everyday goods. 

Cash payments fell significantly for the first time since the Covid-19 pandemic in 2020, according to the latest Swiss Payment Monitor for 2023 published on Thursday by the Zurich University of Applied Sciences (ZHAW) and the University of St. Gallen.

READ ALSO: ‘Cash is freedom’: Why do the Swiss love coins and banknotes so much?

During the pandemic, cashless payment methods became widespread across Switzerland, fuelled by the World Health Organisation saying card or contactless payments should be encouraged to try and slow the spread of the virus. 

But in 2022 cash made a comeback among the Swiss, gaining ground as a payment method once again. 

However, in 2023 the number of cash payments fell noticeably again since 2020 – dropping by 3.2 percent. In 2023, the debit card was the most frequently used method of payment overall in Switzerland, accounting for 29.3 percent of all transactions. 

Cash was in second place among payment methods, accounting for a quarter of the number of transactions – but only just ahead of payments using mobile devices such as mobile phones, tablets or smartwatches (23.3 percent).

Debit card gains ground for on-site payments

When it comes to on-site payments, the debit card came out on top both in terms of turnover, with a share of 41.2 percent (+3.5 percentage points), and in terms of the number of transactions with 37 percent (+2.1 percentage points).

Credit cards follow in second place in so-called face-to-face business with a 29.1 percent share of sales (-3.2 percentage points) and third place in terms of the number of transactions with 21.6 percent (-0.4 percentage points).

This includes payments with e-wallets such as Apple Pay, Samsung Pay or Google Pay, where a debit or credit card is stored.

“Around one in three credit card payments and 13 percent of all debit card payments are now made on the move with stored payment cards, for example via Apple Pay, Samsung Pay or Google Pay,” said ZHAW payment methods expert Marcel Stadelmann.

With a share of 29.2 percent (-2.9 percentage points), cash is still the second most commonly used payment method for on-site transactions. 

Meanwhile, following strong growth between November 2022 and May 2023, Twint payments linked to a bank account – i.e. mobile payments in the true sense of the word – increased slightly to a share of 7.2 percent (+0.3 percentage points) of transactions in face-to-face business.

READ MORE: Cashless payments in Switzerland: What is Twint and how does it work?

Different attitudes to cash

A total of 84 percent of those surveyed for the Monitor rated access to cash as good in Switzerland. However, 46 percent noted a deterioration in recent years, according to the Monitor researchers.

Attitudes towards the possible abolition of cash are constantly changing: the proportion of those who are neither in favour of nor against getting rid of cash has been going down continuously.

Instead, there has been an increase to 44.3 percent in the proportion of the population who are clearly against getting rid of cash payments. Older respondents are more strongly opposed to this move.

“It is interesting that more and more respondents are against the abolition of cash, but at the same time it is being used less and less often for payments,” said researcher Tobias Trütsch.

A representative sample of 1,700 people were interviewed for the Monitor.

READ ALSO: Why is Switzerland making cash payments a constitutional right?

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