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SWITZERLAND EXPLAINED

EXPLAINED: Can I keep money I find in Switzerland?

Most people rejoice at the sight of a lost franc on the side of the road and put it in their pocket without hesitation. But what if you find a whole wallet full of cash or even valuables? We look at the rules around finding money in Switzerland.

There are rules on finding money in Switzerland.
There are rules on finding money in Switzerland. Photo: Pixabay

Can I keep money I find?

No, unfortunately the finders keepers law does not apply to found money and valuables in Switzerland which must be handed over whether the owner is known to you or not.

The handling of lost money is regulated in the country’s Civil Code under the section “Found” (ZGB 720 ff.).

According to the law, you must report any money or valuables worth over 10 francs you find to the police or if found on public transport, the theatre, or another public or private building hand them to your nearest lost and found office. The lost money or item will then remain with the office until the owner is found.

Money and goods worth less than 10 francs must not be reported to the police, but you should still make an effort to find the owner.

What if I can’t find the owner?

If you have done everything in your power to find the owner but failed to do so within 5 years, then the money or valuable is yours.

However, the prerequisite is that you did not have to give the money to an administration, supervisor, or tenant. Because in this case, this person is considered the finder – not you.

Am I entitled to a finder’s reward?

Yes, Swiss law stipulates that you will receive a finder’s fee if you return found money or valuables to the owner. Though there is no fixed amount typically, 10 percent is considered reasonable in Switzerland.

However, since the law does not specify an amount, you can’t assume that you’re automatically entitled to ask for 10 percent. If you happen to find a fair chunk of cash, you are particularly unlikely to be paid out 10 percent.

Any expenses, such as shipping, or travel (bus, train ticket) will need to be covered by the owner, however. 

READ ALSO: The seven things you should know about about Swiss money

What happens if I keep the money?

If as a finder you do not fulfil your duties and return the found money or valuables, this will be considered embezzlement and in a country with a love for both rules and the law, this is not recommended – even though embezzlement in Switzerland is only punishable upon request.

This means that the owner of the lost money or item must report the crime – which can result in a fine or even imprisonment for up to three years – otherwise the offense will not be prosecuted.

Swiss money

Do you have to give back money you find? Photo: Pixabay

What if I find stashed away money inside a bought item?

If you find money stashed away inside a sofa you just bought at an antique shop, you may be tempted to keep it – but you can’t. Even though you have technically paid for the sofa itself, the same rules apply here: the found money must be reported and returned. Sorry.

What if I find money on my property?

Sadly, even if money ends up in your garden or the wind is kind enough to blow it through your front door, you are still required – by law – to report and return the money to the owner.

However, if it turns out to be a find that may have been buried or hidden on your estate for a long period of time without a chance of finding the original owner, then it is considered a treasure. Unlike money or valuables, treasures belong to the owner of the property or movable object, such as a car, in which they are found.

Who owns historical treasures on my property?

If you find treasure on your property of scientific value, such as a historic relic, then you may not keep it. Instead, it is regarded as the property of the canton you reside in. However, in this case you are entitled to a reasonable finder’s reward, though again how much is not specified.

If you think you may have a treasure that could be of scientific value buried in your garden or within your property’s walls, you must contact the canton and allow authorities to dig it up. Any damages to your property will be covered.

Do I have to return wrongly transferred money?

Yes, you absolutely must. In this case, the person or company that has transferred the money by mistake can reclaim it and in a worst-case scenario you can be prosecuted should you choose not to give it back. In any case, the transfer can be traced easily in today’s modern world so it’s best to give it back.

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MONEY

What you can be fined for in Switzerland if you don’t follow everyday rules

If you are a new arrival in Switzerland, or even if you have been living here for a while but are not familiar with local laws, these are the rules you need to follow to avoid being slapped with a fine.

What you can be fined for in Switzerland if you don't follow everyday rules

Switzerland has numerous rules and regulations in place for a variety of infractions.

The good news (if you can call it that) is that you can be fined only for not complying with official laws. If you break one of many unwritten rules, you may get hostile looks and comments, but no legal repercussions.

Some of the offences are obvious — not speeding or being drunk while driving; not causing a disturbance in public; and not instigating or participating in criminal activities, among other infractions — everything that you shouldn’t do anywhere, not just in Switzerland.

Others, on the other hand, like the ones mentioned below, are more related to Switzerland’s own, and often quirkily unique, regulations.

These are some of the rules you may inadvertently break and the fines that could be handed to you for non-compliance.

Not registering your address at your commune

When you rent an apartment or buy a property in Switzerland, you will have to announce your arrival at your local municipality. 

The ‘address registration’ rules may come as somewhat of a shock to people from some other places, like the United States, where you can move from one location to another and stay pretty much under the radar.

Not so in Switzerland because Swiss authorities want to know who is living in their country and where.

When you settle in a new home, you have 14 days to announce your arrival in your new commune of residence, though in some places the deadline may be longer.

This is how to go about this process.

(The entire process will have to be repeated when you move to another home, even if you remain in the same commune. You will have to de-register your old address and register the new one.)

What happens if you don’t do this?

Local authorities will find you anyway sooner or later — probably sooner — and impose a hefty fine on you, the amount of which will depend on the reason why you didn’t register in the first place.

Not having a health insurance

Health insurance is compulsory in Switzerland for all legal permanent residents.

Anyone who moves here must get health coverage within three months of their arrival. 

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 (and have no valid reason for being exempted from this obligation), two things will happen.

Firstly, you could be denied medical care other than in case of emergencies.

Secondly, your unpaid bills will add up, and you could be subject to debt proceedings. This, in turn, could be held against you if you ever decide to apply for naturalisation.

READ ALSO: Could personal debt stop you from becoming Swiss? 

Driving without a vignette

If you use Swiss motorways, even if it’s only for a short stretch, you must purchase a 40-franc sticker to affix to the inside of your window shield.

Unlike many other countries, Switzerland has no tolls on their highways, so the vignette compensates for the cost of maintaining the roads.

Vignettes are valid for one year, from January 1st to December 31st, and can be purchased at petrol stations, post offices or online.

If you drive on the motorway without a vignette or if it is not stuck on correctly, you risk getting a 200-franc fine.

READ ALSO: What you need to know about Switzerland’s motorway charge sticker

Trash disposal and recycling

In nearly all Swiss 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.

Just to give you an idea of the amount you could be expected to pay, a woman in the Lausanne area was fined 190 francs after she allegedly put out her garbage on a Wednesday, rather than on Monday, which was a designated trash collectin day on her street.

Another offender, a US citizen living in Zurich, threw a carton box with his name and address into a ‘regular’ trash can, instead of recycling it.

At the time of this incident, the offender had not yet received his fine, but it was expected to be as high as 320 francs. 

This article will help you avoid such penalties. 

Being loud on Sunday

Under the law, Sunday is a day of rest in Switzerland, so you should do nothing to disturb your neighbours, either sonorically or visually.

This means no loud noises like lawn mowing, vacuuming, or recycling bottles. Also, you cannot hang your laundry out to dry, as the sight of your undies may be offensive to your neighbours on a Sunday.

This is what  a 35-year-old German woman should have known, but clearly didn’t: she committed a faux-pas of recycling glass on Sunday.

Her reaction after being slapped with a 250-franc fine: “I can understand that people don’t want to be disturbed, but going to the police over a few bottles seems a bit much”.

Not in Switzerland, apparently.

If someone complains and, even worse, reports you to police, you can expect a warning at best (if this is your first offence), or monetary penalties which depend on the noise ordinance in your community.

Just as an example, fines for excessive noise in Geneva could be as high 150 francs.

READ ALSO: Six things you shouldn’t do on a Sunday in Switzerland 

Buying your train ticket too late

If you purchase your ticket on your Swiss railway app just as the train is pulling out of the station, you commit an offence

This may be taking the notion of punctuality to new heights, but one of Swiss trains’ (SBB’s) regulations states that a ticket is not valid if it is purchased after the departure of the train, even if by a split second.

Anyone who does this, for whatever reason, is considered a fare dodger.

If you do this, you could be slapped with a 90-franc fine which, depending on the distance you are travelling, may be much more than you actually paid for your ticket.

That is the amount for first-time offenders.

For the second and subsequent infractions, the fine increases to 130 and 160 francs, respectively.

But that’s not all,: you could also be fined for putting your luggage on an empty seat of a crowded train, thus preventing another passenger from sitting down.

“The general rule is that one person only can occupy one seat,” said SBB spokesperson Jeannine Egi.

In theory, passengers can be asked to buy a ticket for their luggage. However,  this measure is rarely used in practice.”

“The train staff can enforce the ‘house rules’ on trains using their own judgement,” Egi said.

READ ALSO: Why putting your luggage on the seat on a Swiss train could cost you 

These are just some of the rules you may accidentally break while in Switzerland.

But there are others as well:

READ ALSO: Six ways you can be fined in Switzerland 

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