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OPINION AND ANALYSIS

OPINION: Why so many Swiss are quitting the church and taking their money with them

It's not only the glaciers in Switzerland that are shrinking, the main churches are also shedding members every year, gradually changing the religious profile of the country. Clare O’Dea, a recent church leaver, asks what this means for society. 

OPINION: Why so many Swiss are quitting the church and taking their money with them
Many people in Switzerland are choosing to walk away from the church. Photo: Thomas from Pixabay

Along with the usual reasons for abandoning religion – loss of faith, rejection of the teachings, or a dislike of the institution – Swiss residents also have a financial incentive to take this step. 

Members of the three state-recognised churches – the Roman Catholic Church, the (Protestant) Reformed Church and the tiny Christian Catholic Church – are automatically subject to a special church tax collected by the tax authorities in all but two cantons: Geneva and Neuchâtel. Ticino offers taxpayers an opt-out. 

Depending on the canton, the tax is calculated as a percentage of other taxes paid, or as a percentage of the household’s overall taxable wealth and income. A church member earning an average salary could expect to pay between 200 and 400 francs per year. Remarkably, companies are also subject to church tax. 

This steady stream of income is good news for the churches, which are in a position to pay all their bills and have generous salaries. The average salary for a priest or pastor, according to the last ‘Salary Book’ (Lohnbuch), a 700-page survey published by canton Zurich, was 9,000 francs per month. 

READ ALSO: Do I have to pay ‘church tax’ in Switzerland?

A view of Zermatt including the church.

A view of Zermatt including the church. Many people are leaving congregations in Switzerland. Photo: Steppinstars/Pixabay

Opting out

But what if you don’t feel like footing the bill anymore? Those who want to leave their religious community (Jewish congregations pay tax in three cantons) and consequently stop paying the tax must declare their wish in writing. Last year, that group numbered around 65,000 people – 34,600 Catholics and 30,393 Protestants. 

But this exodus doesn’t necessarily trigger alarm bells for the leadership of the churches. The trend has been visible and talked about for the past 30 years at least, and there are still enough faithful – 2.89 million Catholics and 1.92 million Protestants – to keep the coffers full. 

Switzerland has changed from having an almost 100 percent religious-affiliated population in 1970, to the point today where one third of Swiss residents over the age of 15 now have no religious affiliation. 

When I set the wheels in motion to go churchless by sending a resignation letter to my parish earlier this year, I was advised in the response to inform my nearest and dearest of the move “to avoid any misunderstanding that could arise in the near or distant future”. In other words, forget about a church funeral. 

That won’t be a problem. With such a large, growing share of non-believers in Switzerland, secular celebrants are moving in to fill the gap for major life events, especially funerals. I’m even considering training for the role myself. 

READ ALSO: Can I have a religious wedding or funeral if I don’t pay church tax?

Secular land?

But there is a wider dimension to this phenomenon than individual destinies. We could reach a point in the not-too-distant future when Switzerland will no longer be a majority Christian country. 

When it comes to being devout, we have probably already reached that point. Many church members rarely attend services and are not fully observant in terms of following religious teachings to the letter. 

Swiss laws relating to marriage, reproduction and sexuality already starkly contradict the teachings of the old established religions, and nobody bats an eyelid. 

However, even with this type of à la carte Christianity, the cultural imprint in daily life remains strong. Alongside the physical presence of 6,000 churches, chapels and monasteries in the country, religion is embedded in festivals and rituals, language and personal beliefs. 

Catholics are still the largest religious community by a sliver – 32.9 percent Catholic versus 32.3 percent for no religion – according to the 2021 figures for people aged 15 and over. Members of the Reformed Church are down to 21.1 percent of the population, with other Christian communities making up 5.6 percent. Muslims are the next largest single group at 5.7 percent.

Graph

Graph: Swiss Federal Statistical Office

One important reason why the Reformed Church has taken more of a hit is because the missing flock in the Catholic church have been replaced with immigrants like me. Though some of these people may eventually leave the community, as I did this summer. 

What goes into a decision like this? One thing is sure, many people continue with a given religion out of habit or passivity. When I arrived in Switzerland 20 years ago, I must have checked the ‘Catholic’ box on a form somewhere. That would have been my chance to sever ties but I didn’t seize it. 

For those who are born here, the state-affiliated churches “capture” members at birth. Parents registering a birth have a choice to tick a box for religion. That information is recorded for posterity by the authorities until they hear otherwise. Young people are liable for church tax from the age of 20.

Scandals

The Catholic Church’s woeful handling of child sexual abuse cases – long a reason for disillusionment among members – was back in the headlines in Switzerland this September, when a former senior cleric from the diocese of Lausanne, Geneva and Fribourg went public with allegations that six bishops had covered up cases of sexual abuse in recent years. 

This scandal was followed within days by the release of damning research on historical abuse by two historians, Monika Dommann and Marietta Meier of the University of Zurich. It will be interesting to see if these revelations push the number of leavers higher this year, although, as with the banks, there is almost always a fresh scandal about the Catholic Church in the news. 

READ ALSO: Study reveals hundreds of sexual abuse victims in Swiss Catholic Church

The Freethinkers Association, established in 1908, publishes guidance on leaving the church in Switzerland, including a letter template. The association points out that every person has the constitutional right to leave the church at any time with immediate effect. The freedom to go, the freedom to stay – you can’t ask for more than that. 

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For members

PENSIONS

OPINION: Switzerland faces two pension votes but neither offers a solution

Switzerland's two public votes on Sunday March 3rd offer Swiss voters two different versions of reality – the elderly as vulnerable versus the elderly as strong. Clare O’Dea asks whether pensioners need protection or a push.

OPINION: Switzerland faces two pension votes but neither offers a solution

The first popular initiative, launched by trade unions, is called ‘To live better in retirement’. This noble aspiration comes with an annual price tag of four billion francs. The proposal is to increase the annual state pension by 8.33 percent by making a thirteenth annual payment.

The second initiative emanates from a completely different world view, championed by the youth section of the Radical-Liberal Party. It aims to increase the retirement age from 65 to 66 by 2033, and then to tie it to life expectancy. This idea comes with an annual saving of two billion francs.

Voters will get to decide if older people should receive more or give more, or whether to leave the status quo. Both ideas suffer from being rather blunt instruments but they will serve as an interesting test of public opinion.

Free money

The Swiss are traditionally cautious about voting for ‘free stuff’, even when it might benefit them directly. Statutory paid maternity leave was turned down four times before finally being accepted in 2005. Voters said no to two weeks more annual leave in 2012 and rejected a minimum wage in 2014.

The 2.5 million people – every Swiss resident over the age of 65 – who currently receive the state pension, known as the Old Age and Survivors’ Insurance, can’t be counted on to vote to receive a higher pension. Why? Because most of them don’t need it.

In addition to this basic first-pillar payment (up to a maximum of CHF32,000 annually for a single person), pensioners may have income from their occupational pension, private pension, or both. These are known as the second and third pillar of the pension system.

Retirees whose combined pension payments are not enough to meet their living costs are entitled to complementary social assistance payments. In 2021, that was 12.5 per cent of pensioners.

READ ALSO: The reasons why living in Switzerland can prolong your life

Expensive times?

Inflation in Switzerland is relatively low – 2.1 percent in 2023 was considered a bad year. But it’s also not a great measure of the cost of living, particularly as it does not include health insurance premiums, which are up 8.7 percent in 2024 alone.

There is no doubt that some older people struggle to make ends meet – and they would de delighted to have an extra 1,225 to 2,450 francs per year (current range of the monthly payment) to get by. But is that a reason to give everyone over 65 extra money – including the wealthy?

The fundamental flaw with this proposed reform is that it is not means tested. Making a universal payment is an extremely expensive way to help people who are genuinely facing poverty. It is estimated that one in five pensioners live below or close to the poverty line – counting income, not assets.

It seems clear that the energy put into this initiative would have been better spent designing a measure that would target those who actually need the money. But if you do want to help the needy, right here, right now, this initiative would at least be a quick fix.

Losing support

The proposal to increase retirement age has also been rejected by the government, which is not comfortable with the concept of building in the automatic link to life expectancy – in other words, basing policy on a mathematical formula.

But the initiative campaign says raising the retirement age is the best way to save the state pension while being fair to all generations. The pension pot is mainly funded by today’s workers, in the expectation that they will have the same benefit one day.

Sunday’s votes are people’s initiatives, based on the collection of signatures. To pass, they need not just a simple majority but a majority of cantons to say yes. Neither appear to be in a strong position.

The retirement age proposal looks sure to be defeated, especially as voters just accepted an increase in women’s retirement age from 63 to 65 in 2022, which is still being rolled out. The notion that the rich could still afford to retire while ordinary workers will be chained to their jobs for longer rankles with voters.

After a strong start, support for the thirteenth pension payment has been ebbing away and a ‘yes’ vote now looks in doubt. The results will be closely watched on Sunday.

More complex answers

Most people realise that the retirement age will have to be hiked up sooner or later, but to actually persuade the Swiss to vote for this scenario, there would need to be plenty of extra measures to guarantee fairness and flexibility.

What a lot of the debate around ageing and retirement funding seems to miss is that the elderly are a mixed bunch in terms of privilege. Policies that don’t take into account that complexity are not much help.

Yes, most Swiss people of retirement age are in reasonably good health and in a good financial situation. At 83 years, Swiss life expectancy is among the highest in the world. Depending on the job, the economy could probably squeeze an extra year of work out of them.

However, this segment of the population, born around 1959, cannot be lumped together as one homogenous group. Women and immigrants tend to accumulate smaller pensions. Single people are generally worse off than couples. 

Some have a life of disadvantage and hard jobs behind them; others benefitted from a world-class, heavily subsidised education and have built up huge assets. Some are fit as fiddles, leaping from one mountain peak to the next, and some already suffer from multiple geriatric health problems.

Answers to their needs will have to be written on more than the back of a postcard.

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