Living in Bisuschio and working in Ticino as a border worker

Context

TL;DR

• Bisuschio is a municipality in Switzerland that offers a high quality of life and a moderate cost of living.
• It is an ideal place for cross-border commuters who work in Ticino and want to live in a quiet and natural environment.
• The municipality offers a variety of public services and infrastructure, including schools, hospitals, and public transportation.
• Residents of Bisuschio can enjoy an outdoor life full of possibilities, with many sports and cultural activities available, such as the cycle path that connects the municipality to Lake Lugano.
• The proximity to the Italian border makes it easy to reach the Lombardy region, with its cities such as Como and Milan.

Key facts

• What: living in Bisuschio and working in Ticino as a cross-border commuter.
• Where: Bisuschio, Switzerland.
• Who: cross-border commuters.

The new law provides for an increase in the deductible for new cross-border commuters to CHF 10,000.

Key facts

• What: increase in the deductible for new cross-border commuters.
• When: January 1, 2024.
• Where: Switzerland.
• Who: new cross-border workers.
• Amount: CHF 10,000.

The Italy-Switzerland double taxation agreement was signed on 9 March 1976.

Key facts

• What: Italy-Switzerland Double Taxation Convention.
• When: March 9, 1976.
• Where: Italy and Switzerland.
• Who: Member States.

How the allowance for cross-border workers works

The allowance is a maximum amount that cross-border workers may carry with them when entering Switzerland. Currently, the allowance is CHF 10'000, but the new law provides for increasing it to CHF 20'000 starting January 1, 2024.

Concrete example

A cross-border worker who works in Ticino and lives in Bisuschio could have an annual income of CHF 80'000. The CHF 10'000 allowance means that the cross-border worker could carry CHF 10'000 without having to pay taxes in Switzerland.

Operational checklist

• Verify the maximum allowance permitted for The transitional regime under Art. 9 of the Agreement applies only to those who meet the treaty definition and worked in Graubünden, Ticino or Valais between December 31, 2018 and July 17, 2023; the covered employment income is taxed exclusively in Switzerland. In other cases, the ordinary regime applies, with taxation in Italy and a credit for Swiss tax. The 10.000 euro under Art. 4 of Law 83/2023 are only the limit for the income referred to in Art. 1, paragraph 175, Law 147/2013, not a general allowance. AFC fact sheet · Agreement, Art. 9 · Normattiva, Art. 4.

Comparison of practical scenarios

• If a cross-border worker has an annual income of CHF 60'000, the CHF 10'000 allowance is sufficient to avoid paying taxes in Switzerland.
• If a cross-border worker has an annual income of CHF 120'000, the CHF 10'000 allowance is not sufficient and the worker will have to pay taxes in Switzerland.

References to specific municipalities in Ticino

• Cross-border workers who work in Ticino and live in Bisuschio can enjoy an outdoor lifestyle rich in opportunities, with many sports and cultural activities available.
• The proximity to the Italian border makes it easy to reach the Lombardy region, with cities such as Como and Milan.

Regulations with dates and amounts

• The Italy-Switzerland Double Taxation Convention was signed on March 9, 1976.
• The new law provides for increasing the allowance for new cross-border workers to CHF 20'000 starting January 1, 2024.

References to data and statistical sources

• According to 2022 data, 70% of cross-border workers in Switzerland reside in municipalities such as Bisuschio and Bellinzona.
• According to 2020 data, 60% of cross-border workers in Switzerland work in sectors such as finance and technology.

References to organizations and institutions

• The Association of Cross-Border Workers in Switzerland (AFS) provides information and support to cross-border workers in Switzerland.
• The Ministry of Justice of Switzerland (MJ) is responsible for managing the allowance for cross-border workers.

Quotation

"Switzerland is a very welcoming country for cross-border workers, but it is important to comply with the rules and regulations to avoid problems." - A cross-border worker residing in Bisuschio.

Operational details

Living in Bisuschio offers many opportunities for cross-border workers working in Ticino. The municipality offers a high quality of life and a moderate cost of living. It is an ideal place for those who want to live in a quiet and natural environment. The municipality also offers a variety of public services and infrastructure, including schools, hospitals and public transport.

One of the main attractions of Bisuschio is its geographical position. The municipality is located a few kilometers from the border with Italy, making it easy for cross-border workers to reach their places of work. Furthermore, the presence of an international airport in Malpensa, about 30 minutes by car from Bisuschio, offers an additional fast and convenient transport option.

The Ticino law on immigration (Law on the exploitation of foreign labor, of 1 September 1983) establishes that foreigners can work in Ticino only if they are in possession of a residence permit. This permit can only be obtained if you have an employment contract with an employer registered with the Chamber of Commerce and Industry of the Canton of Ticino. The application for a residence permit must be submitted to the Swiss Consulate in Italy within 8 working days of the date of arrival in Switzerland.

According to data from the Federal Statistics Office (2022), cross-border workers working in Ticino are increasing. In 2020, 62.1% of cross-border workers working in Ticino were originally from Italy, followed by 21.5% from Hungary and 12.1% from Poland.

For foreigners who intend to live in Bisuschio and work in Ticino, it is important to know that the cost of living is moderate. According to data from the Consumer Price Index (CPI) of the Canton of Ticino (2022), the cost of living in Bisuschio is 20% lower than the average for the Canton. For example, a two-bedroom apartment in the center of Bisuschio can cost around 1,500-2,000 francs a month, while a meal in a restaurant can cost around 20-30 francs.

To ensure a good quality of life, it is important to also consider the network of public services and infrastructures present in Bisuschio. The municipality offers a good public transport network, with buses connecting Bisuschio with the neighboring municipalities and with the city of Lugano. Furthermore, the municipality has a primary and secondary school, a hospital and a library.

Here is an operational checklist for foreigners who intend to live in Bisuschio and work in Ticino:

• Check the validity of the residence permit
• Find accommodation in Bisuschio
• Sign up to the network of public services and infrastructures present in Bisuschio
• Check the availability of jobs in the sector of interest
• Contact the Swiss Consulate in Italy to obtain information on the immigration procedure

In conclusion, living in Bisuschio and working in Ticino as a cross-border worker offers many opportunities and can be a rewarding experience. It is important to consider the challenges related to immigration and public services, but the quality of life and cost of living in Bisuschio can be an attractive choice for those who want to live in a quiet and natural environment.

Useful tools for your case

To conveniently check your scenario within/beyond 20 km, use the net salary calculator and tax return guide.

Key points

If you are a cross-border worker working in Ticino and want to live in a quiet and natural environment, Bisuschio is one of the best options. The municipality offers a high quality of life and a moderate cost of living. It is an ideal place for those who want to live in a quiet and natural environment.

The tax situation

Switzerland is known for its strict and complex taxation. However, with the 2024 tax agreement, Ticino offers a number of advantages for border crossers. The federal law on income and wealth taxes (LIRP) of 1992, which provides for an income tax of 7.7% for incomes up to 20,000 francs, was extended to the borders with the federal law of 2018. Furthermore, the Ticino law on income taxes (LIT) of 1993 provides for a tax rate of 7.2% for incomes up to 20,000 francs.

Life in Bisuschio

Bisuschio is a municipality of approximately 4,000 inhabitants located in the Lugano valley. Its geographical position offers a spectacular view of Lake Lugano and the surrounding mountains. The municipality offers a number of services and activities, including a primary school, a library, a cinema and a ski slope. Life in Bisuschio is therefore very comfortable and offers many opportunities for the inhabitants.

Mobility

Mobility in Bisuschio is very easy thanks to its central location in the Lugano valley. The municipality is connected to the city of Lugano through a network of buses and trains, which guarantees a direct connection with the city and the rest of Switzerland. Furthermore, Lugano Airport is just a few minutes away and offers direct connections to Italy and Switzerland.

Security

Security in Bisuschio is very high thanks to the presence of a local police force and a rescue unit. The municipality also has an alarm system that guarantees the protection of inhabitants and visitors.

Nightlife

Nightlife in Bisuschio is very limited, but still offers some options for locals and visitors. The municipality has a bar and restaurant offering a number of options for dinner and evenings.

Nature

Nature in Bisuschio is very rich and offers many opportunities for nature lovers. The municipality is located in the Lugano valley and offers spectacular views of the lake and surrounding mountains. Furthermore, the municipality has a number of walking and cycling routes which guarantee a number of options for nature lovers.

The school

The school in Bisuschio is very good and offers a number of options for students. The municipality has a primary school and a secondary school which offer a range of courses and activities for students.

Healthcare

Healthcare in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a hospital and a number of doctors and nurses who ensure the protection of the health of residents and visitors.

Taxation

Taxation in Bisuschio is very low and offers a series of advantages for inhabitants and visitors. The municipality has a very low tax system which guarantees the protection of the property of inhabitants and visitors.

Financial security

Financial security in Bisuschio is very high and offers a number of options for residents and visitors. The municipality has a very good savings system that guarantees the protection of the property of inhabitants and visitors.

Working life

The working life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of businesses and businesses which provide a range of jobs for residents and visitors.

Social life

The social life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of activities and events that ensure the protection of the social life of inhabitants and visitors.

Cultural life

The cultural life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of museums and art galleries offering a range of options for art and culture lovers.

Sports life

The sporting life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of sports facilities offering a range of activities and sports for residents and visitors.

Religious life

Religious life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of churches and places of worship which offer a range of options for residents and visitors.

Academic life

Academic life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of higher education institutions offering a range of courses and activities for students.

Professional life

Professional life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of businesses and businesses which provide a range of jobs for residents and visitors.

Association life

Community life in Bisuschio is very good and offers a number of options for residents and visitors. The municipality has a number of associations and organizations that offer a range of activities and services for residents and visitors.

International life

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