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Standard Employment Contract for Domestic Workers in Switzerland (NAV)

The NAV may sound like dry bureaucratic jargon, but it is actually your best friend as an employer. Think of it as the rulebook: it defines the minimum wage your domestic worker must earn, how much vacation they are entitled to, and what applies in case of termination. And the best part: it applies automatically, without you having to sign anything.

February 25, 2026·Reading time: 15 min
Answer in 30 seconds
Updated June 2, 2026

The NAV Hauswirtschaft is the state standard employment contract for domestic workers across Switzerland. For 2026 it sets a minimum wage from CHF 20.35/h, 4 to 5 weeks of holiday and staggered notice periods. The minimum wage is binding; some cantons such as Geneva are higher.

  • 2026 minimum wage: from CHF 20.35/h (higher in some cantons)
  • 4 weeks holiday (5 weeks under 20 and from age 50)
  • Notice periods scale with length of employment

This applies when

For private households that employ domestic help, a cleaner or a carer and are not covered by a collective agreement (GAV) - which is almost all private households.

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Minimum wage calculator 2026

Quickly check whether your domestic helper's wage meets the NAV minimum wage.

Minimum wage/h

CHF 20.35

Incl. holiday/h

CHF 22.05

Per month

CHF 955

Per year

CHF 11455

Holiday supplement: CHF 1.70/h · that is CHF 73/month extra.

Up to CHF 22'680/year you can use the simplified settlement procedure, less paperwork, a single payment.

2026 rates · Updated 17/07/2026·All sources

Want the canton-by-canton detail and the range actually paid in practice? The cleaner minimum wage guide.

1. What is the NAV for Domestic Workers?

The Standard Employment Contract for Employees in Domestic Work (NAV Hauswirtschaft) is a federal regulation that sets minimum standards for employment relationships in private households.

Important to understand: the NAV is not a contract you sign. Think of it as a kind of basic law for domestic employees: it applies automatically to every employment relationship in a private household - unless you have a written employment contract that provides better conditions. You cannot fall below the minimum standards, even with your employee’s consent.

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Good to know

The NAV for domestic workers is an ordinance of the Federal Council (SR 221.215.329.4), based on Art. 359a and 360a of the Code of Obligations. The minimum wages were last raised on 1 January 2026 (AS 2025 805), and the ordinance has been extended until the end of 2028. It applies nationwide - although individual cantons have their own, sometimes stricter, regulations.

The legal basis is found in Art. 359 ff. of the Swiss Code of Obligations (CO). The NAV sits hierarchically between the law (CO, Labor Act) and the individual employment contract. In practice, this means: your employment contract may deviate from the NAV provisions - but only upward, never downward. You may grant more vacation, but not less.

2. Who Does the NAV Apply To?

The NAV applies to all persons employed in a private household who work an average of at least 5 hours per week for the same employer (Art. 2 NAV) - regardless of nationality or type of work. Whether a part-time cleaner or a full-time nanny: the NAV applies. This includes:

Cleaners / housekeepers
Childcarers / nannies
Elderly care / nursing
Housekeepers
Gardeners
Live-in carers
Private household cooks
Ironing & laundry service

Employer under the NAV is the private individual in whose household the work is performed. Even if you only employ your cleaner 3 hours per week, you are an employer with all obligations. In practice, this means: OASI registration, payroll, accident insurance. Sounds like a lot of effort? It is - if done manually. That is why Clino exists. Are you on the employee side and want to start working as a cleaner in Switzerland? Our guide to starting as a cleaner explains what you need to know.

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Warning: Undeclared work

Anyone who employs a domestic worker without registering them is committing undeclared work. This applies even though the NAV takes effect «automatically» - the social insurance obligation exists regardless. Fines up to CHF 10,000 are possible, and in case of an accident, you are personally liable.

Not covered by the NAV: Self-employed persons (e.g., an independent cleaning company), persons employed by companies (e.g., temp agencies), family members in their own household, au pairs, and jobs averaging less than 5 hours per week with the same employer (Art. 2 NAV). Want to know if your situation is affected? Our guide Hire a Cleaner in Switzerland explains the distinction for international employers.

3. Minimum Wages 2026 Under the NAV

Minimum wages are regularly adjusted. Since 1 January 2026, the following rates apply. These are binding - a lower wage is not permitted, even if the employee «agrees». In practice, this means: even if your cleaner says «CHF 18 per hour is enough for me,» you may not agree to that.

Offizielle Daten · SECO NAV Hauswirtschaft 2026
QualificationMinimum wage/hApprox. monthly (42h/wk)
Unskilled
No training, less than 4 years experience
CHF 20.35CHF 3,701
Unskilled, 4+ years experience
No training, at least 4 years in the profession
CHF 22.30CHF 4,055
Skilled with EBA
Federal certificate EBA (2-year apprenticeship)
CHF 22.30CHF 4,055
With certificate / EFZ
Federal certificate of competence or equivalent
CHF 24.55CHF 4,465

Monthly wage calculated at 42 hours/week × 4.33 weeks, excluding vacation surcharge. Source: SECO, Ordinance on the NAV for Domestic Workers (SR 221.215.329.4).

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Market wages are higher

The NAV minimum wages are the legal minimum - comparable to the mandatory minimum for car insurance: required, but not necessarily sufficient. In practice, most employers pay CHF 25-35 per hour, depending on region and tasks. In Zurich and Geneva, hourly wages below CHF 28 are uncommon. Calculate the actual cost of a domestic worker including all social contributions.

If you work as a domestic worker and want to know what a fair wage is, our guide Working as a Cleaner in Switzerland has all the information on rights and earning potential.

To comply with these requirements, you need to register your household worker with the AHV compensation office. Step-by-step guide

4. Working Hours and Overtime

The maximum weekly working time for full-time employees is 45 hours. For part-time employees, this is calculated proportionally.

Anything beyond that counts as overtime and must be specially compensated:

  • 25% surcharge on the normal hourly wage, or
  • Compensatory time off of equal duration (within 14 weeks), if agreed in writing

In practice, this means: if your nanny normally works until 5 PM and you ask her to stay until 7 PM, those 2 hours are overtime. Either you pay CHF 35 instead of CHF 28 per hour (25% surcharge), or she can leave 2 hours early on another day.

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Common mistake

Many employers do not pay overtime or offset it against regular wages. This is illegal. Document working hours - ideally digitally. Clino automatically logs working hours and correctly calculates overtime surcharges.

Rest periods: Employees are entitled to at least 11 consecutive hours of rest per day and at least one day off per week (usually Sunday).

5. Vacation and Vacation Surcharge

The NAV for domestic workers sets the following minimum vacation entitlements:

Age / situationVacation entitlementVacation surcharge
Under 20 or over 50 years5 weeks10.64%
All others (20-49 years)4 weeks8.33%

The vacation surcharge is especially important for hourly wage employment: since the domestic worker does not receive a fixed monthly salary, the vacation entitlement must be shown as a percentage surcharge on every payslip. This is mandatory - if the surcharge is not shown, the vacation pay is considered unpaid, even if the hourly wage would otherwise be high enough.

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Calculation example

Hourly wage CHF 28.00 with 4 weeks of vacation: vacation surcharge = CHF 28.00 × 8.33% = CHF 2.33/h. The payslip must show: gross wage CHF 28.00 + vacation surcharge CHF 2.33 = Total CHF 30.33/h. Calculate your costs with our gross-to-net calculator.

Vacation may not be compensated with money, except upon termination of employment. Vacation must actually be taken - «paying out instead of taking time off» is not allowed. In practice, this means: even if your cleaner says she does not need vacation, you must insist that she takes it.

6. Notice Periods

Notice periods depend on the length of employment. During the probation period (first month), shortened periods apply:

PeriodNotice periodTermination effective
Probation (1st month)7 daysany day
1st year of service1 monthend of month
2nd to 9th year2 monthsend of month
From 10th year3 monthsend of month

In practice, this means: if you terminate your cleaner in the 3rd year of service on October 15, the employment ends on December 31 (2 months’ notice, effective end of month).

Termination protection: During certain periods, termination is not permitted (so-called blocking periods):

  • During illness or accident (30-180 days, depending on year of service)
  • During pregnancy and 16 weeks after birth
  • During military service

A termination issued during a blocking period is void - it has no effect and must be reissued after the blocking period expires. This should also be clearly regulated in the employment contract.

7. Sick Pay

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If your domestic worker falls ill, you as the employer must continue paying wages. The duration depends on the years of service and is measured according to various scales. Which scale applies in your case is determined by the canton or your employment contract:

Year of serviceBasel scaleBern scaleZurich scale
1st year3 weeks3 weeks3 weeks
2nd year1 month1 month8 weeks
3rd-4th year2 months2 months9 weeks
5th-9th year3 months3 monthsGraduated

In practice, this means: if your cleaner in the 2nd year of service is sick for 3 weeks, you must continue paying her full wage. If she is absent longer, it gets expensive. That is why daily sickness benefit insurance is recommended.

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Recommendation: Daily sickness benefit insurance

Daily sickness benefit insurance costs approx. 1-3% of gross wages and covers 80% of wages for up to 720 days. The costs are usually split equally (50/50) between employer and employee. At an hourly wage of CHF 28, that is around CHF 0.30-0.85 per hour - a small investment for great security.

8. The 13th Month Salary

Contrary to common belief, the 13th month salary in Switzerland is not legally required - not even under the NAV for domestic workers. It is neither a right nor an obligation, as long as it has not been contractually agreed.

In practice, however, the 13th month salary is widespread: around 90% of all full-time employees in Switzerland receive one. If you want to retain a domestic worker long-term, it is a strong signal of appreciation. Remember: a satisfied cleaner who stays is far more valuable than constantly searching for someone new.

If agreed, then binding: Once the 13th month salary is in the employment contract, it is owed. It amounts to 1/12 of the annual salary and is calculated pro-rata if the employment does not last the full year.

For hourly wage arrangements, the 13th month salary can be calculated as a surcharge of 8.33% on gross wages - analogous to the vacation surcharge. Clino correctly shows both surcharges on the payslip.

9. Social Insurance and Key Thresholds

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As an employer, you must pay social insurance contributions for your domestic worker. It sounds complicated, but there are two decisive thresholds that make everything simpler or more complex:

ThresholdAmount/yearMeaning
Simplified procedureCHF 22,680Up to this salary, you can settle social insurance and taxes through a single simplified procedure.
BVG entry thresholdCHF 22,680Above this annual salary, the BVG obligation (occupational pension / 2nd pillar) applies.

The simplified billing procedure is a blessing for employers with small workloads. Instead of reporting OASI, UI, accident insurance, and taxes separately, a single report to the OASI compensation office is sufficient. Withholding tax is charged at a flat rate of 5%. In practice, most employers who employ a cleaner for a few hours per week use this.

The BVG obligation mainly affects full-time or part-time employees with higher workloads. If the annual salary exceeds CHF 22,680, you must register your domestic worker with a pension fund. This is additional effort - but also additional protection for your employee.

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Mandatory insurance overview

Always mandatory: OASI/DI/IC, UI (each 50/50), accident insurance (employer), family allowances (employer).
From CHF 22,680/year: BVG (occupational pension).
Recommended: Daily sickness benefits (50/50), supplementary accident insurance (employer).
Mehr Details und eine genaue Berechnung finden Sie im gross-to-net calculator.

10. Cantonal Differences

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The federal NAV applies throughout Switzerland - but some cantons have enacted their own, more extensive regulations. These take precedence over the federal NAV when they are more favorable to the employee. Think of the federal NAV as a minimum standard that cantons can «add to.»

Geneva (CTT Economie domestique)

Geneva has the strictest protection in Switzerland: the Contrat-type de travail (CTT) prescribes significantly higher minimum wages (from CHF 23-25/h unskilled), mandatory wage increases by years of service, and a 13th month salary. Additionally, a cantonal minimum wage of CHF 24.59/h applies.

Vaud (CTT Travaux ménagers)

Vaud also has a cantonal CTT with higher minimum wages than the federal level. Special regulations apply for night work and Sunday work, as well as for live-in employees.

Ticino

The canton of Ticino has its own provisions that particularly affect cross-border commuters. Minimum wages are slightly lower than in German-speaking Switzerland but above the federal NAV.

Zurich, Bern, Basel, and others

Most German-speaking cantons do not have their own cantonal NAV and apply the federal NAV directly. However, market wages are often significantly above the minimum.

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Check your canton

Cantonal regulations can differ significantly from the federal NAV. Always check the provisions of your residential canton. Clino automatically takes cantonal specificities into account when calculating wages.

11. What Must Be in the Employment Contract?

Even though the NAV applies automatically, it is strongly recommended to conclude a written employment contract. It creates clarity for both sides and can - in favor of the employee - go beyond the NAV minimum standards. Use our free employment contract template.

Required information

  • Name and address of both parties
  • Start of employment
  • Function / job description
  • Gross wage (hourly or monthly)
  • Workload (hours per week)
  • Vacation entitlement
  • Notice period

Recommended additions

  • 13th month salary (yes/no, amount)
  • Probation period duration (default: 1 month)
  • Overtime compensation rules
  • Expense reimbursement (e.g., travel costs)
  • Daily sickness benefit insurance
  • Place of work and working times
  • Confidentiality clause
  • Public holiday regulations
Free tool

Create your contract now

Fill in the fields, check the preview, download as PDF or send it straight by email - free and in 5 languages.

Contract language:

Arbeitgeber/in:

Arbeitnehmer/in:

NAV-Minimum für ungelerntes Personal: CHF 20.35/h

With an hourly wage, vacation pay must either be granted as paid time off or shown separately as a 8.33% supplement - not simply folded into the hourly rate.

10 hours/week is at or above 8 hours - non-occupational accident insurance (NBU) becomes mandatory. Check whether it's covered via the employer or VAVplus.

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Vorschau

Arbeitsvertrag

für eine Tätigkeit im Privathaushalt

1. Vertragsparteien

Arbeitgeber/in: ____

____, ____ ____

Arbeitnehmer/in: ____

____

____

2. Arbeitsbeginn und Probezeit

Das Arbeitsverhältnis beginnt am __________.

Die Probezeit beträgt 1 Monat(e) gemäss Art. 335b OR.

3. Arbeitsort und Tätigkeiten

Arbeitsort: _____ _____

Aufgaben: Reinigung, Bügeln, Wäsche, leichte Haushaltsarbeiten

4. Arbeitszeit und Pensum

Arbeitsstunden: 10 Stunden pro Woche

5. Lohn

Bruttolohn: 20.35 CHF pro Stunde

Auszahlung monatlich, spätestens am letzten Arbeitstag des Monats, auf das vom Arbeitnehmer angegebene Konto.

6. Ferien

Der Arbeitnehmer hat Anspruch auf 4 Wochen bezahlte Ferien pro Jahr, inkl. gesetzlichem Feriengeldzuschlag.

7. Sozialversicherungen

Der Arbeitgeber meldet den Arbeitnehmer bei der AHV-Ausgleichskasse an und führt die gesetzlichen Beiträge (AHV/IV/EO, ALV, UVG, FAK, ggf. BVG) korrekt ab. Bei Wahl des vereinfachten Verfahrens wird auch die Quellensteuer (5%) direkt abgeführt.

8. Lohnfortzahlung bei Krankheit / Unfall

9. Kündigung

Nach Ablauf der Probezeit beträgt die Kündigungsfrist gemäss Art. 335c OR: 1 Monat im 1. Dienstjahr, 2 Monate im 2.-9. Dienstjahr, 3 Monate ab dem 10. Dienstjahr - jeweils auf Monatsende. Die Kündigung muss schriftlich erfolgen.

10. 13. Monatslohn

Ein 13. Monatslohn ist nicht vereinbart.

11. Spesen

Notwendige Auslagen für Material, Arbeitsweg oder Transport werden separat vergütet.

12. Geheimhaltung

Der Arbeitnehmer verpflichtet sich, über alle ihm im Rahmen des Arbeitsverhältnisses bekannt gewordenen persönlichen und geschäftlichen Verhältnisse der Familie Stillschweigen zu bewahren - auch nach Beendigung des Arbeitsverhältnisses.

13. Anwendbares Recht

Es gilt Schweizerisches Recht, insbesondere das Obligationenrecht (OR) und der kantonale Normalarbeitsvertrag Hauswirtschaft. Gerichtsstand ist der Wohnsitz des Arbeitgebers.

Ort, Datum: ______________________

Unterschrift Arbeitgeber/in
Unterschrift Arbeitnehmer/in

Nächster Schritt

Dieser Vertrag muss bei der AHV-Ausgleichskasse angemeldet werden. Clino bereitet Anmeldung, Lohnabrechnung und Versicherungen automatisch vor.

CHF 19.90/Monat · 30 Tage gratis · clino.ch

OR Art. 319-355, NAV Hauswirtschaft

OR Art. 319-355NAV Hauswirtschaft (SR 221.215.329.4)admin.ch

Clino creates your contract

With Clino, you generate a legally compliant employment contract in under 5 minutes, covering all NAV minimum standards and tailored to your canton. Start free now.

12. Hire a Domestic Worker Correctly - with Clino

You now know the rules. But let’s be honest: who wants to manually calculate the vacation surcharge every month, file OASI contributions, and prepare the annual wage statement? Registration alone already has enough steps.

That is exactly what Clino is for. We guide you step by step through all the administration around your domestic worker - NAV-compliant, cantonally correct, for CHF 19.90/month. Find out how we compare: Clino vs. Quitt comparison.

Automatic payroll

Gross wage, vacation surcharge, OASI, UI, accident insurance - everything correctly calculated and shown.

Legally compliant contract

Employment contract with all NAV-required information, tailored to your canton.

Minimum wage check

Clino automatically warns you if the entered wage is below the NAV minimum.

Vacation management

Vacation balance, vacation surcharge, and vacation usage - all transparently tracked.

Social insurance

OASI, DI, IC, UI, family allowances, accident insurance - we calculate and show all deductions correctly.

Wage statement in one click

Year-end wage statement as PDF for the tax return - one click, done.

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30 days free trial. Cancel anytime. CHF 19.90/month after.

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Or compare first: Clino vs. Quitt

Frequently Asked Questions About the NAV for Domestic Workers

Does the NAV also apply to au pairs?

No. Au pairs are explicitly excluded from the federal NAV (Art. 2 para. 3 let. a). They are covered by cantonal au-pair rules on pocket money, working hours (max. 30h/week) and language courses; room and board count as payment in kind. OASI registration and accident insurance remain mandatory.

Can I deviate from the NAV?

Yes, but only in favor of the employee. The NAV sets minimum standards. You may agree on better conditions (higher wage, more vacation, shorter working hours) but not worse ones. Deviations must be recorded in writing in the employment contract. Use our employment contract template for this.

Do I have to pay a 13th month salary?

No, the NAV for domestic workers does not require a 13th month salary. However, it is common practice and can be agreed upon in the employment contract. If agreed, it is binding and must be calculated pro-rata if the employment does not last the full year.

What happens if I pay less than the minimum wage?

That is illegal. The employee can retroactively claim the difference - going back up to 5 years. You also risk fines and back-payments demanded by the authorities. With Clino, this does not happen: the platform automatically warns you if the entered wage is below the NAV minimum. Calculate your actual costs.

How do I correctly calculate the vacation surcharge?

For 4 weeks of vacation, the surcharge is 8.33% of gross wages; for 5 weeks, 10.64%. The surcharge must be shown separately on every payslip - this is legally required. Example: at CHF 28/h, CHF 2.33 vacation surcharge is added (4 weeks). Use our gross-to-net calculator for an exact calculation.

At what salary does the BVG obligation apply?

From an annual salary of CHF 22,680, the BVG obligation (occupational pension / 2nd pillar) applies. If an employee has multiple employers, the salaries are added together. Below this threshold, the BVG obligation does not apply - but OASI contributions are still mandatory. You can check the threshold with our calculator above.

What is the simplified billing procedure?

For annual wages up to CHF 22,680, you can settle all social insurance and taxes through a single form. Instead of reporting OASI, UI, and taxes separately, you make a single report to the OASI compensation office. Withholding tax is charged at a flat rate of 5%. Ideal for small workloads. More on the procedure in our guide Register your cleaner.

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Further Reading

Disclaimer: This article is for general information purposes and does not replace legal advice. The information is based on the federal NAV for domestic workers (as of January 2026) and may vary by canton. For your specific situation, we recommend checking your canton’s provisions or consulting a professional. Clino automatically calculates wages and contributions based on current rates.

Last updated: July 2, 2026 | All information without guarantee

Salvador Jovells

Salvador Jovells, founder of Clino

Verified July 2026