Switzerland has long been a magnet for high-net-worth individuals (HNWIs) seeking financial stability, a high quality of life, and access to the broader European market. The Swiss Golden Visa—officially known as Switzerland’s Residency by Investment program—offers a pathway for investors and entrepreneurs to obtain Swiss residency through financial contributions.
Unlike other Golden Visa programs in Europe, Switzerland does not provide direct citizenship but instead offers residency in exchange for investment. This makes it an attractive choice for wealthy individuals who value privacy, world-class healthcare, and business-friendly policies.
In this guide, we’ll cover everything you need to know about the Switzerland Golden Visa, including eligibility criteria, investment requirements, application steps, tax implications, and how it compares to other programs.
What is the Swiss Golden Visa?
The Swiss Golden Visa, also known as the Swiss Investor Residence Program, grants residency to non-EU/EFTA nationals who invest in Switzerland through lump-sum taxation or business investments.
Unlike other European Golden Visa programs, Switzerland does not offer direct citizenship through investment. Instead, applicants receive temporary residence, which can lead to permanent residency (after 10 years) and citizenship (through naturalization).
Key Highlights of the Swiss Residency Program:
Residency permit through investment or taxation Access to visa-free travel in the Schengen Zone (26 countries) Favorable tax benefits under lump-sum taxation No minimum stay requirement (in some cases) Possibility to apply for Swiss permanent residency & citizenship
2. Benefits of the Swiss Golden Visa
Why choose Switzerland for residency? Here are the main advantages of obtaining a Swiss residence permit through investment:
Lifestyle & Economic Benefits
Live in one of the world’s most stable and prosperous countries
No wealth, inheritance, or gift tax in some cantons
Strong and stable economy with global banking & financial hubs
Travel freely across the Schengen Zone (26 countries)
World-class healthcare system & excellent living standards
Top-ranking international schools and universities
Tax Benefits
Lump-sum taxation system – Pay tax based on expenses, not income
Attractive tax policies for high-net-worth individuals (HNWIs)
Switzerland’s double tax treaties reduce global tax liabilities
Investment & Business Benefits
Set up a business in a business-friendly economy
Business investment pathway allows company ownership & tax incentives
3. Eligibility Criteria for the Swiss Golden Visa
To apply for Swiss residency through investment, applicants must meet the following requirements:
General Requirements
Be a non-EU/EFTA citizen (EU nationals are not eligible) Be at least 18 years old (some cantons may have age limits) Have no criminal record Show proof of financial means to sustain residency Be in good health Financial Independence
Investment-Related Requirements
To obtain residency, applicants must choose between two main investment options:
Lump-Sum Taxation (Forfait Fiscal)
Business Investment
4. Investment Options for Swiss Residency
Option 1: Lump-Sum Taxation (Forfait Fiscal)
This is the most popular route for high-net-worth individuals. Instead of being taxed on worldwide income, applicants agree to pay a fixed annual tax based on living expenses.
Requirements for Lump-Sum Taxation Residency:
Minimum annual tax: CHF 250,000 – CHF 1,000,000 (varies by canton)
Live in Switzerland but cannot work (except business directors)
Choose a canton that offers lump-sum taxation
Popular Cantons for Lump-Sum Taxation:
- Zug, Schwyz, Geneva, Vaud, Ticino, Lucerne, Valais
- Zurich does NOT offer lump-sum taxation
Option 2: Business Investment Residency
Entrepreneurs and investors can obtain Swiss residency by: Investing at least CHF 1 million in a Swiss business Creating jobs for Swiss nationals Actively managing the business
This option is ideal for business owners looking to expand into Switzerland while obtaining residency.
5. Application Process for the Swiss Golden Visa
Step 1: Choose Your Investment Option
Decide between lump-sum taxation or business investment.
Step 2: Select a Canton
Each Swiss canton has its own tax regulations & investment thresholds. Some are more business-friendly, while others offer better lump-sum taxation deals.
Step 3: Submit Your Application
Prepare and submit your application to the cantonal authorities, including:
Valid passport
Proof of financial means
Police clearance certificate (no criminal record)
Rental/purchase agreement in Switzerland
Business plan (if applying via business investment)
Step 4: Attend Interviews
Swiss authorities may request interviews to verify your intentions.
Step 5: Receive Approval & Obtain Residency Permit
Once approved, you will receive a Swiss B Permit (Temporary Residency Permit).
Step 6: Renew Your Residency Permit Annually
Swiss B Permits are renewed annually and may lead to permanent residency.
Note: Each canton has specific requirements and procedures. It’s essential to consult with local authorities or legal experts familiar with the chosen canton.
6. Tax Considerations for Swiss Golden Visa Holders
Lump-Sum Taxation Overview
- Pay fixed annual tax (starting from CHF 250,000)
- No taxation on worldwide income, dividends, or capital gains
- Available in selected cantons
Business Investment Taxes
- Subject to Swiss corporate & income tax
- Lower tax rates in business-friendly cantons like Zug & Schwyz
7. Residency vs. Citizenship in Switzerland
Swiss Residency (B Permit & C Permit)
- B Permit (Temporary Residence) – Renewable annually
- C Permit (Permanent Residence) – Available after 10 years
Pathway to Swiss Citizenship
Naturalization Requirements:
Live in Switzerland for 10+ years
Speak one of the national languages (German, French, or Italian) Be socially & economically integrated
Swiss dual citizenship is allowed, so you can retain your original nationality.
8. Alternative Golden Visa Programs in Europe
| Country | Minimum Investment | Citizenship After |
 Portugal | €500,000 (real estate) | 5 years |
 Spain | €500,000 (real estate) | 10 years |
 Greece | €250,000 (real estate) | 7 years |
 Malta | €750,000 (donation) | 1 year |
 Cyprus | €300,000 (real estate) | 7 years |
Switzerland remains unique due to its stability, tax advantages, and high quality of life.
Conclusion
The Swiss Golden Visa is an excellent option for wealthy individuals seeking residency in a stable, high-quality country. With its favorable tax policies, economic strength, and luxury lifestyle, Switzerland is a top destination for investors.
However, the program is not for everyone due to its high financial requirements and strict residency conditions. If you’re considering Swiss residency, carefully evaluate your investment options and consult with experts.
Looking for more insights on global residency programs? Browse our blog for expert guides!
Please note that residency regulations, investment requirements, and tax policies in Switzerland are subject to change. Always refer to official Swiss government resources or consult a qualified legal or financial expert before making any investment or relocation decisions.
