Living in Aymavilles and working in Valais as a border worker

Context

In brief

• Living in Aymavilles and working in Valais is a convenient choice for many cross-border commuters. - Travel times vary depending on the mode of transport. - The cost of living is generally lower compared to Valais.

Key facts

• What: Living in Aymavilles and working in Valais. - When: Currently, with the new cross-border agreement effective from January 1, 2024. - Where: Aymavilles, Italy, and Valais, Switzerland. - Who: Cross-border commuters residing in Italy and working in Switzerland. - The €10,000 threshold in Article 4 of Italian Law No. 83/2023 applies exclusively to employment income earned continuously and exclusively by Italian residents in a foreign border area or neighbouring country, as referred to in Article 1(175) of Law No. 147/2013; it is neither a general allowance nor an exemption from Swiss withholding tax.

The new cross-border agreement, signed on December 23, 2020, and effective from January 1, 2024, has introduced new rules for cross-border commuters. The €10,000 threshold in Article 4 of Italian Law No. 83/2023 applies exclusively to employment income earned continuously and exclusively by Italian residents in a foreign border area or neighbouring country, as referred to in Article 1(175) of Law No. 147/2013; it is neither a general allowance nor an exemption from Swiss withholding tax. This agreement aims to avoid double taxation and simplify taxation for cross-border commuters.

Travel times

Travel times between Aymavilles and Valais vary significantly depending on the chosen mode of transport. By car, the journey can take about 45 minutes, while by train it can range from 1 hour to 1 hour and 30 minutes, depending on intermediate stops. For those who prefer the bus, travel time can range from 1 hour to 1 hour and 40 minutes.

Cost of living

The cost of living in Aymavilles is generally lower compared to Valais. For example, the rent for a two-bedroom apartment can cost around €600 per month in Aymavilles, while the same apartment in Sion, Valais, could cost over €1,000. Energy costs and food prices are also significantly lower in Italy.

New cross-border agreement

Old cross-border workers remain taxed only in Switzerland (Art. 9 of the 2020 Agreement). This agreement has been designed to avoid double taxation and simplify taxation for cross-border commuters.

Operational checklist for cross-border commuters

1. Documentation: Ensure you have all necessary documents, such as a work permit and rental contract. 2. Taxation: Understand the new tax rules and applicable allowances. 3. Transport: Plan the most convenient mode of transport based on travel times and costs. 4. Cost of living: Compare the cost of living between Aymavilles and Valais to optimize expenses.

Comparisons between practical scenarios

• Scenario 1: A cross-border commuter living in Aymavilles and working in Sion. The €10,000 threshold in Article 4 of Italian Law No. 83/2023 applies exclusively to employment income earned continuously and exclusively by Italian residents in a foreign border area or neighbouring country, as referred to in Article 1(175) of Law No. 147/2013; it is neither a general allowance nor an exemption from Swiss withholding tax. - Scenario 2: A cross-border commuter living in Lugano and working in Sion. Although travel times are similar, the cost of living in Lugano is significantly higher compared to Aymavilles.

Key dates and regulations

• Cross-border agreement: Signed on December 23, 2020, effective from January 1, 2024. - The €10,000 threshold in Article 4 of Italian Law No. 83/2023 applies exclusively to employment income earned continuously and exclusively by Italian residents in a foreign border area or neighbouring country, as referred to in Article 1(175) of Law No. 147/2013; it is neither a general allowance nor an exemption from Swiss withholding tax. - Old cross-border workers remain taxed only in Switzerland (Art. 9 of the 2020 Agreement).

Conclusion

Living in Aymavilles and working in Valais offers numerous advantages, including convenient travel times and a lower cost of living. The new cross-border agreement, with its allowances and exemptions, makes this choice even more attractive for many cross-border workers.

"The new cross-border agreement represents a significant step forward in simplifying taxation and improving the quality of life for cross-border workers." — Swiss Tax Authority

Operational details

Connections and Journey Times

Living in Aymavilles and working in Valais offers several advantages in terms of connections. Travel times vary depending on the means of transport chosen. By car, the journey can take about 45 minutes, while by public transport the time can increase slightly. It is also important to consider traffic and possible closures of crossings, such as Brogeda and Gaggiolo.

Cost of Living

The cost of living in Aymavilles is generally lower than in Valais. This can be a significant advantage for frontier workers, who can save on rent, bills and other daily expenses. However, it is important to make accurate financial planning to avoid surprises.

Advantages and Disadvantages of Transfer

Moving to Aymavilles to work in Valais has several advantages, including lower cost of living and manageable travel times. However, there are also disadvantages to consider, such as traffic and any crossing closures. It is important to carefully weigh all implications before making a decision.

Connections and Journey Times

Cost of Living

Advantages and Disadvantages of Transfer

Connections and Journey Times

Cost of Living

Advantages and Disadvantages of Transfer

Connections and Journey Times

Cost of Living

Advantages and Disadvantages of Transfer

Connections and

Recommended tools

For an updated estimate, use the net salary calculator and the CHF-EUR exchange comparator.

Key points

What to Consider Before Moving

Before moving to Aymavilles to work in Valais, it is important to consider several factors. First, you need to evaluate travel times and available transportation. For example, the journey from Aymavilles to Sion, one of the main cities in Valais, can take about 1 hour and 30 minutes by car, while the train can take up to 2 hours, depending on connections. Additionally, it is important to make a thorough financial plan to manage the cost of living and any unexpected expenses. The cost of living in Ticino is generally higher than in other Swiss regions, with rents ranging from 1,500 to 2,500 Swiss francs per month for a two-bedroom apartment. Finally, it is advisable to inform yourself about tax regulations and the rights of cross-border commuters to avoid future problems. For example, cross-border commuters residing in Ticino are subject to special taxation, with rates that can reach up to 35% for the highest incomes.

Step-by-Step Procedure

1. Evaluate travel times and available transportation.

• Car: About 1 hour and 30 minutes from Aymavilles to Sion.
• Train: Up to 2 hours, depending on connections.
• Bus: Available, but with variable travel times.

2. Make a thorough financial plan.

• Cost of living: Rents between 1,500 and 2,500 Swiss francs per month for a two-bedroom apartment.
• Unexpected expenses: Reserve at least 10% of your monthly income.

3. Inform yourself about tax regulations and the rights of cross-border commuters.

• Taxation: Rates up to 35% for the highest incomes.
• Rights: Access to Swiss healthcare services and the possibility of benefiting from tax breaks.

4. Consult the tax calculator for an estimate of your taxes.

Operational Checklist

• 📊 Evaluate travel times: Calculate the average travel time for different modes of transportation.
• 💡 Financial planning: Create a detailed monthly budget, including rent, food expenses, and transportation.
• ⚠️ Inform yourself about tax regulations: Consult the official website of the Swiss tax authorities for the latest information.

Comparison of Practical Scenarios

Scenario 1: Residence in Aymavilles, work in Sion

• Travel time: 1 hour and 30 minutes by car.
• Travel cost: About 20 Swiss francs per day in fuel.
• Taxation: Tax rate of 25% for an income of 80,000 Swiss francs.

Scenario 2: Residence in Lugano, work in Sion

• Travel time: 2 hours and 30 minutes by train.
• Travel cost: About 50 Swiss francs per day in train tickets.
• Taxation: Tax rate of 28% for an income of 80,000 Swiss francs.

Final CTA

For a detailed estimate of your taxes, consult the tax calculator.