Living in Vilminore di Scalve and working in Graubünden as a border worker (cross-border guide)

Context

In short

• Living in Vilminore di Scalve and working in Graubünden is a convenient choice for cross-border commuters.
• The new cross-border agreement will come into effect on January 1, 2024.
• Switzerland is not a member of the EU/EFTA.

Key facts

• What: Living in Vilminore di Scalve and working in Graubünden.
• When: From January 1, 2024.
• Where: Vilminore di Scalve, Italy and Graubünden, Switzerland.
• Who: Cross-border commuters.
• Amount: Exemption €10,000 for new cross-border commuters.

Living in Vilminore di Scalve and working in Graubünden is a convenient choice for many cross-border commuters. The new cross-border agreement, signed on December 23, 2020 and effective from January 1, 2024, offers new opportunities for those wishing to move to this area. Switzerland, not being a member of the EU/EFTA, has specific agreements with Italy to avoid double taxation.

Connections and travel times

The connections between Vilminore di Scalve and Graubünden are well organized, with various transportation options available. Travel times vary depending on the chosen mode of transport, but generally, the journey can be completed in a few hours. This makes life easier for cross-border commuters, allowing them to reside in Italy and work in Switzerland without major inconveniences.

Cost of living

The cost of living in Vilminore di Scalve is generally lower than in many Swiss cities. This can be a significant advantage for cross-border commuters, who can save on housing costs and other daily expenses. However, it is important to consider transportation costs and other expenses related to commuting.

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Operational details

Practical implications for cross-border commuters

The new cross-border commuter agreement has important practical implications for those living in Vilminore di Scalve and working in Graubünden. The €10,000 exemption for new cross-border commuters represents a significant advantage, allowing them to save on tax costs. Additionally, the transitional regime for old cross-border commuters, with an exemption of €7,500, offers a more gradual transition to the new system.

Tax rates and contributions

Tax rates and social security contributions are established by Swiss federal and cantonal laws. For cross-border commuters, it is important to know the rates for AVS/AI/IPG (5.3% on the employee), AD/AC (1.1% up to CHF 148,200), LAINF (0.7–1.5%), and LPP (7–18% for age groups from 25 years). In Italy, the IRPEF varies from 23% up to €28,000, to 35% from €28,001 to €50,000, and to 43% over €50,000.

Health insurance

Cross-border commuters have the option to choose health insurance (LAMal) in Switzerland, with deductibles ranging from CHF 300 to CHF 2,500. It is important to choose the deductible that best suits your needs, also considering the costs of healthcare services.

Concrete procedures

For cross-border commuters who wish to move to Vilminore di Scalve and work in Graubünden, it is essential to follow some concrete procedures. It is necessary to obtain a G or B permit, depending on the duration of the stay in Switzerland. Additionally, it is important to register with the competent authorities and comply with the current tax and social security regulations.

Useful tools for your case

To verify your within/over 20 km tax scenario, use the net salary calculator and the tax return guide.

Key points

Concrete actions for border workers

For border workers who wish to move to Vilminore di Scalve and work in Graubünden, it is important to follow some concrete actions. You must obtain a G or B permit, depending on the length of your stay in Switzerland. In addition, it is important to register with the competent authorities and follow the tax and social security regulations in force.

Deadlines and procedures

Deadlines and procedures for cross-border commuters are set by the Swiss and Italian authorities. It is important to meet tax and social security deadlines, as well as to follow current regulations for health insurance and other contributions.

Useful tools

To facilitate the life of border crossers, several useful tools are available. The tax calculator allows you to estimate taxes and social security contributions, while the health insurance comparator helps you choose the most suitable deductible. In addition, you can consult the operational guides for detailed information on the procedures to be followed.

final CTA

For more information and to calculate your net salary, use our calcolatore fiscale.