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LIVING IN SWITZERLAND

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

An 'ecclesiastical tax’ is mandatory in most of Switzerland’s cantons. Does opting out of this fee mean the church can turn down your request for a marriage or other religious services? Here’s what you should know.

Can I have a religious wedding or funeral if I don’t pay Swiss church tax?
Chances are you can get married in a Swiss church even if you skip your taxes. Photo by Davide De Giovanni from Pexels

Switzerland is one of only a handful of countries to levy a church tax. 

For more information on the tax, including which cantons have made it mandatory, check out the following link. 

EXPLAINED: What is ‘church tax’ in Switzerland and do I have to pay it?

But what happens if you never declared your religious affiliation when registering with your local commune or if you decide to opt out of paying this tax afterwards?

Can you still be part of the church community and benefit from religious services such as marriage or funeral?

This is only an issue if you are a resident of cantons other than Geneva, Neuchâtel, Vaud, and Ticino, where a church tax is not levied.

If you live in the other 22 cantons, this is what you should know.

The only marriage considered legal in Switzerland is the one performed at a civil registry office. Religious ones are optional, so if you are not a churchgoer and don’t particularly care about the religious ceremony, then you can skip it altogether.

However if you, like many other couples, want to say ‘I do’ in front of a priest or minister after a civil marriage but you don’t pay church taxes, you have some other options to consider.

READ MORE: Does marriage make financial sense in Switzerland? 

Are you a part of your local Catholic or Protestant congregation?

If you attend services more or less regularly, participate in various parish activities, and maybe even make a voluntary donation to the church, the chances of your pastor marrying you are greater than if you just walk off the street and ask to be wed.

Keep in mind however, that regardless of whether you are a member of a particular congregation or not, most churches will ask you to undergo a “marriage preparation course” beforehand.

This means you have to invest some time and effort into a religious wedding ceremony.

Can a clergy person refuse to marry a church tax evader even if all the above steps are taken?

There is nothing in the law to prevent him or her from turning down your request; churches are not required to marry everyone who shows up on their doorstep, especially as a religious ceremony is not a legal necessity in Switzerland.

However, this doesn’t mean a parish will automatically refuse to marry all those who don’t pay taxes. There is sufficient anecdotal evidence to suggest that if you fulfil all the requirements listed above, a priest or minister will marry you, but you will be charged a fee for this service.

How much will depend on your place of residence and your parish, but you can expect to pay upwards of 1,000 francs.

What about a funeral?

Anyone can be buried in Switzerland without a religious ceremony; the family can make all the arrangements directly with the undertaker.

However, if a religious service is requested for a deceased person who did not pay his church taxes, conditions similar to those related to marriage would apply. In other words, clergy would most likely not refuse this sacred rite to anyone on the grounds that he or she didn’t pay taxes.

Here again, the family would have to pay the costs of the service.

READ MORE: Funerals, burials and wills: What you should know about dying in Switzerland

To sum up, you don’t have to automatically give up your dream of being married or buried by a member of the clergy. It all depends on a number of other factors.

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For members

MONEY

Do adult children in Switzerland have to support their parents financially?

Usually, it is the parents’ responsibility to ensure their kids are well taken care of financially. But can Swiss authorities force the children to return the favour in times of need?

Do adult children in Switzerland have to support their parents financially?

In most cases, once children are grown up and out of the house, they are (or at least should be) self-sufficient in terms of finances.

Parents too should breathe a sigh of relief that they are no longer obligated to pay for their children’s expenses, except perhaps for giving them some money here and there as a gift.

This is what happens in the best-case scenario.

But what if things don’t go according to this plan — for instance, if the parents find themselves in financial straits and can’t  afford to pay their bills?

Family obligations

Generally speaking, the truly needy people who don’t have enough income to pay for their basic living expenses will receive financial help from the government, in the very least in the form of the health insurance and housing subsidy.

READ ALSO: Can I get financial help in Switzerland if I’m struggling to pay the bills?

However, before doling out public money, authorities will see whether relatives should be made to help the struggling individuals pay their bills.

(In this context, ‘relatives’ means only those in the direct line of descent: grandparents, parents, and children.)

They will do it by checking the tax status of these relatives — how much they earn and what other financial assets they have — to determine whether, and how much, they should be paying toward their parents’ expenses.

Obviously, you will be expected to pay up only if your own financial situation allows it; you will not be forced to part with your money if you have very little of it yourself.

 ‘Favourable financial circumstaces’

Based on a Federal Court ruling, if the adult child  lives in ‘favourable financial circumstances’ they are required to help out their struggling parents.

The Court defined ‘favourable financial circumstances’ as income and assets allowing a comfortable life.

‘Comfortable life’, in turn, was defined by the Swiss Conference for Social Welfare (SKOS), as a taxable annual income of 120,000 francs for a single person, and 180,000 francs for married couples.

“If you have minors in your household, the limit is increased by 20,000 francs per child,” according to AXA insurance.

It goes on to say that you can deduct an exempt amount from your taxable assets.

“Your annual depletion of assets is deducted from the remaining amount. This means that if you are obligated to provide financial support, you are permitted to use part of your assets yourself each year; you don’t have to devote your entire assets to providing support.”

At between 18 and 30 years of age, this is 1/60th per year; from 31 to 40, 1/50th per year; 41 to 50, 1/40th per year; 51 to 60, 1/30th per year; and from the age of 61,1/20th per year. 

Are there any exemptions to these rules?

Aside from not having sufficient funds, you could be exempted from paying if, say, your parents, or parent, have not lived up to their own financial obligations toward you.

In Switzerland, parents are required to  provide financially for their children until the age of majority, and even beyond that if they are still studying or undergoing vocational training — typically, until the mid-20s.

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