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READER QUESTIONS

Reader question: What time do the Swiss eat dinner?

With home office on the rise, many Swiss people eat their meals whenever they have time or are hungry, with some preferring snacks in between. Yet the majority still stick to ‘set’ mealtimes – but when are those?

Potatoes dipped into cheese.
When do the Swiss like to eat? Photo by angela pham on Unsplash

While the Swiss are flexible when it comes to what type of bread they eat for breakfast (though they prefer so-called house bread), they usually opt for a honey or jam spread to go with it.

Lunchtimes are equally rushed, with many people grabbing a quick sandwich on the go or placing an order at a local fast food outlet, though you won’t regret finding the time for some cheesy Älplermagronen (a dish with pasta, potatoes, cream, cheese and onions) – a Swiss favourite!

Dinner is largely considered the main meal of the day throughout the country and many Swiss like to sit down for heart meal with cheese (of course!) and a glass of wine.

To give you an idea of what to expect when dining in Switzerland, here are some basic guidelines.

Dinnertime

Dinnertime in Switzerland is dictated by working hours – which range anywhere from a 6 am start to an 8 pm finish – and restaurant opening times. Generally, the Swiss wine and dine between 6 pm and 9.30 pm depending on where they have their dinner that day.

READ ALSO: What is Aromat and why are the Swiss so obsessed with it?

Dinners in the home are commonly served around 6 pm if no guests are expected. Those planning a soirée with friends and family which is often preceded by an informal dinner may choose to host just after 6pm.

If you have been invited to a party or home cooked dinner by a friend, colleague, or acquaintance, the etiquette is to bring a small gift as a thank you. In Switzerland, most people choose to bring a bottle of wine or a seasonal bouquet of flowers.

When making dinner reservations with a date or friend, the Swiss tend to book a table from 8 pm onwards. Many restaurants and pubs in Switzerland – particularly the ones in larger cities – offer hot dishes all day (from 11 am to 10 pm).

A restaurant in Switzerland.

A restaurant in Switzerland. Photo by Kinga Lopatin on Unsplash

In the evening, many restaurants will have set meals consisting of a starter, main and dessert course which will be somewhat cheaper than choosing freely from the menu.

If you fancy yourself a late-night dinner in Switzerland, remember to make a reservation and don’t panic if you forget to tip. In Switzerland, guests are not obliged to tip. Nevertheless, in many restaurants it is customary to leave a tip and you are very likely to see your Swiss friend round up to the nearest sensible figure (usually around 10 percent).

READ ALSO: You are not Swiss until you try these seven weird foods

Lunchtime

As a general rule of thumb, lunch in Switzerland is served between 12 pm and 2 pm however some restaurants cater to customers whose stomachs growl even before the clock strikes 12.

The Migros Restaurant and its rival Coop Restaurant are both popular stops for a quick lunch on a budget (open from 7.30 am) and are spread throughout Switzerland – small towns included.

You usually get the cheapest option if you order a “menu of the day” in the restaurant at lunchtime, which usually consists of a starter (soup or salad) and a main course.

The familiar orange lettering of Swiss supermarket chain Migros

The familiar orange lettering of Swiss supermarket chain Migros. Photo: FABRICE COFFRINI / AFP

While grabbing a lunch at home may still be the norm for schoolchildren – the majority of Swiss schools do not serve food – it is very much out of fashion with adults who prefer to eat on the go.

At best, the Swiss will eat at a restaurant or canteen, but they are more likely to opt for a fast-food chain, a Kebab or just buy an inexpensive sandwich at Denner.

Breakfast

Given that the Swiss working day can start as early as 6 am, breakfast is the one meal that has no set times in Switzerland but is generally eaten between the hours of 6 am and 9.30 am.

Muesli is a popular breakfast in Switzerland.

Muesli is a popular breakfast in Switzerland. Photo by Daria Nepriakhina 🇺🇦 on Unsplash

Whether for “Zmorge”, “petit déjeuner” or “colazione” – in German, French or Italian-speaking Switzerland, something sweet must be part of your breakfast.

While Swiss living in the city tend to either eat less or forgo the early meal altogether, people living in the Alps like to sit down with a homemade Birchermüesli. In either case, a milk coffee for breakfast is a Swiss must.

But if you’re looking to feel really Swiss, you’ll be happy to find that sticking to set mealtimes isn’t all it’s cracked up to be – hence, why the Znüni (morning snack) and Zvieri (afternoon snack) exist.

Znüni literally translates to ‘at nine o’clock’ and is derived from the number nine since traditionally, a morning break at work is usually taken around this time. However, the term is also used when said break – usually accompanied by a Gipfeli – is made at different times, such as at 10 o’clock.

Similarly, the Zvieri (‘at four o’clock’) signifies a quick afternoon meal – usually a bag of crisps or chocolate – at any given time.

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For members

MONEY

Do I need an ’emergency savings account ‘ in Switzerland?

Depending on how much you earn, and how much of your income you spend, saving some of your Swiss wages may not always be easy. But there is a good reason why you should try.

Do I need an 'emergency savings account ' in Switzerland?

If you have taken out all the obligatory and supplemental insurance policies in Switzerland, you are probably covered for all kinds of expected and unexpected ‘disasters’ that may come your way.

Aside from the obligatory health insurance, accident insurance (if not covered by your employer), vehicle insurance, as well as fire and natural disasters insurance (mandatory in 19 cantons), you may have taken out other protection policies as well. 

READ ALSO: What insurance is obligatory in Switzerland? 

For instance, many people in Switzerland believe in the ‘better safe than sorry’ principle, and have taken out supplemental health insurance, legal protection insurance, and personal liability insurance, among others.

With all that, do you still need to put ‘emergency’ money aside?

The Swiss generally like to be prepared for all kinds of ‘disasters’; a proof of this vigilance is the ubiquitousness of bomb shelters. Though Switzerland has not been invaded in centuries, the spirit of being ready, just in case, still prevails.

READ ALSO: What does Swiss government want you to know about bomb shelters?

But while you will hopefully never have to use your fallout shelter, chances are that at one time or another you will need extra money for other ‘emergencies.’

According to Moneyland consumer platform, “an emergency fund is an amount of money that you set aside for financial emergencies and unforeseeable expenses. This money is only used when you have to cover high, unexpected costs within a short period of time.

For instance, if you need major dental work (and don’t have a comprehensive dental insurance, which most people in Switzerland don’t), this could cost several thousand francs — or tens of thousands, in extreme situations.

Or perhaps you are a homeowner and must replace your broken appliances or do any expensive repair work on your property (in some cases, such as renovation, you can deduct the cost from your taxes, but not for repairs).

There may also be other (uninsured) family emergencies when you will have to spend a significant amount of money — all of which means it is always a good idea to have some funds set aside.

“Having an emergency reserve is important because it protects you from getting into debt,” Moneyland said.

“Your savings enable you to deal with financial emergencies without having to get a personal loan or carry a negative balance on your credit card. That is beneficial because loans are expensive.”

How much money should you keep in your emergency fund?

This, of course, depends on your income.

However, Moneyland’s financial experts recommend that the sum should be equivalent to between three and six times the amount of money needed to cover your monthly budget.

“That means that if your monthly budget is 4,000 francs, then you should have between 12,000 and 24,000 francs in your emergency fund.”

A lot also depends on your personal circumstances, according to Moneyland.

If, for instance, you live alone and your rent is reasonable, “you may well get by with a smaller emergency fund than if you have a family and own your home.”
And “if you are self-employed, you generally need a bigger emergency fund than an employee.”

Where should you keep this money?

Obviously, these funds must be easily accessible at all times, so you should definitely not place them in long-term accounts where you would have to pay fees for early withdrawal.

Therefore, it makes most sense to keep it in the savings account from which you can withdraw money easily without penalties.

Another possibility is to keep  cash at home — in a safe deposit box, rather than under your mattress.
 
 
 
 

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