Why moving into a Swiss apartment can block CHF 10,000 of your cash... and how to avoid it.

Finding a home is exciting, but many expats are shocked to learn that rental deposits can equal 2–3 months’ rent — often CHF 8,000–10,000 locked away.

• Deposits are frozen in a bank account.

• That money can’t be used for settling in, furniture, or emergencies.

• Some landlords ask for extra guarantees if you’re new in Switzerland.

Few newcomers know there are ways to keep your money free while still meeting landlords’ requirements.

Inside switzerland in a box, we show you step-by-step how to unlock those funds and keep your cash working for you.