How to Register, Open a Bank Account and Handle Paperwork in Zurich
Moving to a new country involves more than finding a home. Switzerland is known for its precision, and Zurich is no exception — the paperwork must be done correctly and on time. Registration, insurance, and setting up a bank account are the first essential steps to living legally and comfortably in your new city.
This guide walks you through each process in simple steps so you can settle into Zurich with confidence.
Step 1: Register Your Address
Every new resident must register with the local municipality within 14 days of arrival. This applies to both Swiss citizens returning from abroad and foreign nationals moving to Switzerland.
Where to go: Residents’ Registration Office (Einwohnerkontrolle or Kreisbüro).
What to bring:
Passport or ID card
Residence permit or visa
Proof of address (rental contract or confirmation from landlord)
Employment contract or proof of funds
Health insurance confirmation
SwissNest tip: Appointments fill up quickly. Book your registration appointment as soon as you know your move-in date. We help our clients complete all required forms in advance.
Step 2: Apply for or Collect Your Residence Permit
If you are from an EU or EFTA country, you apply for your residence permit when registering. Non-EU nationals typically receive theirs through the cantonal migration office.
EU/EFTA nationals: Bring your employment contract and proof of health insurance.
Non-EU nationals: Usually apply for a B or L permit, depending on employment length.
SwissNest tip: Permits take several weeks to process. Keep digital copies of all documents and always carry your application receipt. We track application timelines for our clients and help communicate with authorities.
Step 3: Arrange Health Insurance
Health insurance is mandatory for everyone living in Switzerland. You must register with a health insurer within 90 days of arrival, starting from your registration date.
SwissNest tip: Compare at least three insurance providers before deciding. We recommend using an independent advisor who explains the fine print and ensures full compliance with Swiss requirements.
Step 4: Open a Swiss Bank Account
A Swiss bank account is essential for paying rent, utilities, and receiving your salary. Most banks offer English-speaking service and online onboarding for expats.
What you need:
Valid ID or passport
Proof of residence or rental contract
Residence permit (or application receipt)
Employment contract or proof of income
SwissNest tip: If you have not received your residence permit yet, choose a bank that allows pre-approval for newcomers. We can introduce you to expat-friendly banking partners who streamline the process.
Step 5: Register for Social Security and Taxes
Once employed, your company registers you for social security (AHV/AVS). If self-employed, you must register directly with the social insurance office.
Social security: Covers pension, unemployment, and accident insurance.
Taxes: Zurich uses a mixed system. Withholding tax applies to many expats, while others file an annual return.
SwissNest tip: Keep all official letters and pay slips. They are needed for tax returns, family allowances, and even future rental applications. We explain which documents to store and how to manage your Swiss mail efficiently.
Step 6: Set Up Utilities and Internet
For unfurnished apartments, you may need to register electricity, Wi-Fi, and TV services yourself. Many landlords include heating and water in “Nebenkosten” (additional costs).
SwissNest tip: Order your internet connection early — installation can take one to two weeks. We help clients set up utilities and subscriptions before they move in.
Final Thoughts
Zurich’s administrative system is efficient but detailed. Once your registration, bank account, and insurance are in place, everything else becomes much easier. Having someone guide you through the process can save hours of paperwork and frustration.
SwissNest supports expats and families with every step of relocation — from filling out forms to handling official communication in German. Contact us for personalized assistance when moving to Zurich.
