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What changes (and what doesn’t) when you get married in Switzerland

Whether its your name, taxes, or inheritance, getting hitched in Switzerland not only has personal, but financial consequences for newlyweds. Here’s what changes – and what doesn’t – when you say ‘I do’ in Switzerland.

Wedding rings.
There are a few things you should know when getting married in Switzerland. Photo: Photo by Sandy Millar on Unsplash

Your name

Since January 1st 2013, tying the knot in Switzerland no longer has any effect on your or your spouse’s surname. Instead, married couples keep their surnames after marriage unless they themselves decide to change it. This also applies to same-sex couples who choose to register their partnership.

Bear in mind that if both parties decide to keep their surnames intact and plan on having children in the future, they will need to decide on a surname for their future children at the time of marriage – and not once the baby is born or adopted.

Citizenship

Much like with your surname, getting married in Switzerland won’t affect your citizenship as each partner will keep their nationality.

For Swiss people, this also means that women get to keep their own place of origin — Heimatort in German, lieu d’origine in French, and luogo di attinenza in Italian — on official documents rather than automatically take on their husband’s, as was the case before 2011.

Read more on the topic here:

READ ALSO: Why Swiss passports show ancestry rather than birthplace.

Though a marriage does not affect your citizenship directly, marrying a Swiss citizen allows foreigners to obtain Swiss citizenship via a facilitated naturalisation procedure.

In order to qualify for this route, foreigners must be married to a Swiss citizen, have lived for a total of five years in Switzerland, have spent the year prior to submitting the application in Switzerland and must have been married to and living with the Swiss citizen for three years.

In most cases, a citizenship obtained this way is for life (even if the marriage isn’t), but there are also situations when the opposite is true.

READ MORE: Citizenship through marriage: What happens to your Swiss passport in case of divorce?

Taxes

Arguably, one of the most significant changes when you get married in Switzerland occurs within taxes. Namely, you and your partner’s incomes and assets will be combined for tax purposes and must be declared together in a joint tax return.

It’s important to note that you will not be taxed from the very moment you exchange your I do’s, but rather throughout the tax year – meaning if you got married in July 2022, you will be assessed together for the whole of 2022.

Swiss francs

Swiss francs. Photo: Pixabay

You’re obligated to share information with your spouse

Upon request, the partners must according to federal law provide each other with information about their income, assets, and debts.

Inheritance

In general, the statutory law of inheritance applies in the event of the death of a spouse provided no other arrangements, such as a will or a marriage or inheritance contract have been drawn up beforehand.

In Switzerland, the spouse always has the right to inherit. The law also dictates that his inheritance claim is protected to a degree by a so-called compulsory portion which cannot be waived by a testamentary arrangement.

Living arrangements

If you’re married in Switzerland, you may only terminate your rental contract with the explicit consent of your spouse. Note that this is even the case if only one party has signed the rental agreement.

This is also the case for owned property. Should you wish to sell a house which is only owned by you but functions as a family home, you will need to have your spouse agree to the sale before negotiating.

Children

In Switzerland, if a child is born to a married couple the husband will automatically be presumed to be the father unless stated otherwise. In the same vein, both parents will be given joint custody – this is also the case in the event of divorce.

Acquired property

If you and your spouse choose to forgo a marriage contract, the ‘participation in acquired property’ regime, also known as ordinary regime, applies upon your marriage.

This means that each person gets to keep all assets they owned prior to the marriage, and any assets received as gifts or inherited during the marriage. This is known as ‘own property’.

Two hands of a married couple

A married couple. Photo by Nick Karvounis on Unsplash

Each married person also independently manages the savings accumulated during the marriage, such as in the form of a salary or bank interest. This is also known as ‘acquired property’.

Pension

Any money that was paid into the pension fund prior to marriage belongs to the individual person. After marriage, however, the money belongs to both parties.

In the event of a divorce, the money paid into the pension fund is divided. The person who paid more into the pension fund during the marriage owes the other person their share in the second pillar.

You will be expected to support your spouse

Married spouses in Switzerland must provide both moral and financial support to their spouse whenever necessary.

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Does Switzerland offer a poor work-life balance for families?

One of the most complex challenges facing parents in Switzerland is balancing family life with a professional career. How well do they manage to do it? Please share your own views in the comments section below.

Does Switzerland offer a poor work-life balance for families?

By comparison with other European states, “Swiss family policies appear limited in the support they they offer: they do not provide for extended parental leave,” according to a report from Lucerne University.

“Furthermore, Switzerland was one of the last nations in Europe to introduce paternity leave, and then of only two weeks in 2021, in the face of heavy opposition.”

And, unlike Nordic countries, Switzerland is not known for family-friendly policies in general, particularly in terms of financial help from the state.

The reason is that Switzerland has a strong history of individual responsibility, which promotes the idea that the government should not pay for people choosing to have children.

For that very reason, the paid paternal leave in Switzerland is more modest than in many other European nations. 

Also, not only are there not enough daycare facilities in Switzerland — prompting expecting parents to sign up their child even before it is born — but the existing ones are often expensive.

“It is striking to see that, compared to other countries, parents in Switzerland pay a lot for childcare outside the home,” according to a report by AXA insurance.

“Daycares and preschools generally cost between CHF 110 and 130 a day. These rates vary greatly depending on your canton and town. And depending on what they earn, parents are expected to cover between 30 and 100 percent of this amount.”

(On the positive side, working parents whose children are in daycare can deduct  up to 25,000 francs a year from their taxes). 

“Extra-family and extra-school childcare is an important prerequisite for the balancing of work and family life,” according to the Federal Statistical Office (FSO).  

However, “childcare services are not always available in sufficient numbers or compatible with parents’ work schedules, and are sometimes not used by parents or only to a limited extent for financial reasons,” the FSO found.

“Depending on the age and number of children, the family’s second wage may end up being used up by these extra expenses.” 

Given these social and policy structures, finding a fair balance between professional and family responsibilities for both parents can be tough, and some studies show that Switzerland has a poor record when it comes to the kind of work-life balance families here enjoy (or don’t). 

Our readers’ views and experiences provide great insight to others. Share your own views on how good or bad work-life balance for families is in Switzerland in the survey or the comments section at the bottom of the page. Click here is it doesn’t appear below.

 

Other data, however, paints a more positive picture

It comes from the annual ‘Swiss Family Barometer’, released in March jointly by Pro-Familia, an umbrella organisation for family-oriented associations in Switzerland and a competence centre for family policy, as well as PAX insurance. 

This is what the survey found:

  • Overall, the families are happier with their life than in the previous year.
  • Around two thirds of families (63 percent) are currently satisfied with the balance between family and professional life. Satisfaction is lower among families with small children, and it tends to increase with higher income.
  • Two thirds of families (65 percent) are satisfied with the measures taken by their employers to balance work and family life.

How could the work-life balance be improved for families?

According to survey participants, the compatibility of work and family life could be improved particularly through more flexibility in working hours and the possibility of working from home.

And while 71 percent of families who use external childcare are ‘very’ or ‘somewhat’ satisfied with the care provided, both lower and higher income groups see a reduction in fees as the most important lever for improving that balance.
 
 READ ALSO: Does Switzerland really have a good work-life balance?

Share your views on how good or bad work-life balance is for families in Switzerland.
 

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