At what age can I claim AVS pension in 2026? (cross-border guide)
Answered with official sources — AVS, AI and 2nd pillar LPP
Answer
The AVS21 reform approved on 25 September 2022 (in force 1 January 2024) introduced the «reference age» (65 for men and women) with transitional phases for women born 1961-1969 source: Fedlex AVS21, amendments LAVS 17/12/2021. In 2026 the reference age for women is 64 years and 9 months. Early retirement 1-24 months (6.8%/year reduction) or deferral up to 70 (+5.2%/year) is possible. The CH-EU Agreement lets cross-border workers aggregate Swiss + Italian periods to reach the 15-year pro-rata minimum source: UFAS Memento 10.02. File the claim with the compensation office 3-4 months in advance via form 318.370.
Official sources
2Other questions on this topic
- How do I check AVS contribution gaps and fill them?
Request the individual contribution statement (CK/CI) from the Swiss Compensation Office (Geneva) via form 318.180, or online on ahv-iv.ch with AVS13. The statement shows years, months and amounts since 1948.
- Is AVS survivor pension available to the Italian spouse of a cross-border worker?
Yes. LAVS art. 23 grants a widow/widower pension to the surviving spouse if the deceased had at least 1 year of AVS contributions. The pension is 80% of the hypothetical retirement pension. Widows without children need age 45+ and 5 years of marriage.
- Can a cross-border worker open a pillar 3a account?
Yes, provided the worker pays mandatory AVS contributions. Cross-border workers contribute up to CHF 7,258 (2025) in bank or insurance 3a, tax-deductible in Switzerland via the NOV procedure (LHID art. 89): tax saving 25-30% of the amount.
- Can I cash out my 2nd pillar if I leave Switzerland?
Only partially. LFLP art. 25f (RS 831.42) states that the «mandatory» part of the 2nd pillar (LPP obligatoire) cannot be cashed out if residence is transferred to an EU/EFTA state with pension insurance obligation.
- How are Italian and Swiss contribution periods totalised?
EU Regulation 883/2004 and Commission Decision H1 provide for totalisation of periods for pension entitlement, without double counting. In practice: a worker with 10 AVS years and 8 INPS years reaches the 15-year minimum for AVS and INPS separately.
- How is the AVS pension computed for a cross-border worker with 30 years of Swiss contributions?
The LAVS formula uses the pro-rata partial pension (LAVS art. 38). With 30 years out of 44 theoretical (1964-2008 or equivalent), the beneficiary gets 30/44 = 68.2% of the full pension for the average income. In 2025 max full pension is CHF 30,240 and min CHF 15,120.
- Which AVS/AI/APG contributions does a cross-border worker pay in 2026?
The cross-border worker pays 1st-pillar contributions under LAVS (RS 831.10): 8.7% AVS + 1.4% AI + 0.5% APG = 10.6% total split 50/50 employee/employer. Add 2.2% unemployment insurance (AD), split equally, on the part of salary up to CHF 148,200 a year (2026 status).
- Can I pay voluntary AVS contributions from Italy?
Since 2001 voluntary AVS is restricted to Swiss and EU/EFTA citizens residing OUTSIDE EU/EFTA (LAVS art. 2). A cross-border worker residing in Italy CANNOT pay voluntary AVS; during inactive periods (unemployment, leave) they must pay in…