Bank account
Banks differ in onboarding requirements, especially before a permit card arrives. Bring passport/ID, proof of address and employment/residency documents; compare fees rather than assuming the biggest bank is best.
TWINT
TWINT is widely used for person-to-person payments, shops, parking and small purchases. Most newcomers set it up once they have a compatible Swiss bank/phone arrangement.
Bills
Swiss invoices often use QR bills. Your banking app can scan the code; always verify recipient and amount before payment.
Taxes
Many foreign employees without a C permit are taxed at source (Quellensteuer), but individual situations vary and some people still need or choose a tax return. Use cantonal guidance or professional advice for your exact case.
The bills people forget
Health insurance is generally paid separately from salary deductions. Other recurring items can include Serafe household broadcasting levy, household/liability insurance, transport passes and municipal or utility charges depending on your setup.