The registration is long done within those 30 days. Then CHF 19.90/mo., cancel anytime.
We hear this every week
Three sentences, three honest answers
«She has health insurance. If something happens, she's covered.»
For accidents at work it's not her health insurer that pays, but your accident insurance as the employer. If it's missing, the Ersatzkasse UVG steps in and bills you the premiums for up to 5 years back.
With ClinoAccident insurance is included in the simplified procedure plus, via SVA Zürich. Clino shows you where to tick the box.
«She has a B permit. Taxes are her business, right?»
No, yours: in the simplified procedure you withhold 5 % tax at source from the gross wage, whatever the permit. As the employer, you are liable for that tax.
With ClinoThe 5 % appear on every payslip; they go to SVA Zürich with the annual declaration.
«She also cleans for three other families. Surely someone has registered her already.»
Every household is its own employer: its own registration, its own accident cover. Without your registration, your cleaner builds up no AHV years.
With ClinoYou only register your own household. What the other families do remains their duty.
Do I really have to register her? She only comes every two weeks.
Yes, from the first franc.
Exceptions: young people up to and including the year they turn 17, and at most CHF 750 in wages per year, up to and including the year your cleaner turns 25.
What does it cost me in the end, all in?
Hourly wage plus roughly 17 percent. Plus CHF 19.90 for Clino.
FAK rate in the canton of Zurich: 1.025 %. Add 8.33 % holiday supplement and your contributions for AHV, IV, EO, ALV and occupational accident insurance. The calculator above shows the exact amount.
The registration goes to SVA Zürich, online via form 318.147, within one month of the start of employment. You may pay wages before that. Then, by 30 January, you declare the previous year's wages. Clino pre-fills, you sign and send.
And what if I just leave it?
Inspections are rare. You pay anyway.
In 2025 there were 239 inspections across Switzerland. It gets expensive anyway: the Ersatzkasse UVG and the AHV claim, as a rule, up to 5 years back, plus a monetary penalty of up to 180 daily units (AHVG Art. 87).
Details from SVA Zürich per its info sheet. Sources: AHV info sheets 2.06 and 2.07, SECO report on the Federal Act against Undeclared Work 2025, Ersatzkasse UVG (written reply, August 2026). 2026 contribution rates last checked on . Sources and methodology
Paying cash? Here is the calm way to put it right.
The simple way back to fully legal.
13 h/wk15
Your estimated exposure
Back-paid contributions (up to 5 yrs)
CHF 988
Possible monetary penalty: up to 180 daily units
SVA Zürich + AWA · AHVG Art. 87 · estimate
The good news
Coming forward yourself puts you in a far better position than being caught. Clino prepares the backdated registration with SVA Zürich and guides you through every step.
1Fill in form 318.147 online and pick «Domestic service» under «Employment for».
2Tick the simplified procedure plus, with accident insurance, yourself (question 4.2).
3Add the cleaner with their AHV number (756.…) and start date.
4At the end, pick SVA Zürich as the recipient. Once the confirmation arrives by post, you report the annual wage by 30 January, most easily through AHVeasy.
Clino walks you through every step with screenshots and pre-fills the wage fields from your monthly payroll.
Verified by Clino
The registration facts for Zurich
Rates and registration route last checked on July 17, 2026.
The right form
SVA Zürich uses the federal form 318.147 (online). No office visit needed.
Important: under «Employment for», pick «Domestic service», only then does question 4.2 about accident insurance via the compensation office appear.
Simplified procedure
The simplified procedure plus (accident insurance included) is offered, but you must actively request it; it is never automatic.
Deadlines
Register: within 30 days of the start of employment. Annual wage declaration: by 30 January for the previous year.
After submitting
The confirmation with your settlement number arrives by post. You may already pay wages in the meantime.
Zurich borders Germany. Even if your household help is a cross-border worker (G permit), AHV registration and accident insurance apply in Switzerland. Withholding tax depends on her country of residence, the linked guide explains what applies in your case.
Online, with federal form 318.147, which SVA Zürich links to itself. In it you choose the simplified procedure and SVA Zürich as the recipient. Clino prepares the details. The confirmation comes by post. AHVeasy, SVA's portal for the annual report, only opens after that: SVA sends the activation code by post.
What is the FAK rate in the Canton of Zürich?
The family allowance contribution (FAK) is 1.025% of gross wages in the Canton of Zürich, paid solely by the employer. Clino calculates this automatically.
What minimum wage applies to a cleaner in Zurich?
There is no cantonal minimum wage in Zurich. The minimum wage of the federal NAV for household work is binding: CHF 20.35 an hour unskilled, CHF 22.30 with 4 years' experience or an EBA, CHF 24.55 with an EFZ. It applies from 5 hours a week with the same household. The city of Zurich has voted a minimum wage of CHF 23.90. It is not in force yet. The city of Winterthur has voted a minimum wage of CHF 23.00. It is not in force yet.
What child allowances apply in the Canton of Zürich?
Child allowance: CHF 215 per child a month, CHF 268 for children over 12. Training allowance: CHF 268 a month. As of 2026.
What is VAVplus in Zürich?
Under the simplified procedure you settle AHV/IV/EO, unemployment insurance and a 5 % withholding tax once a year through the compensation office (SVA Zürich). It is optional and applies up to CHF 22'680 of annual wage per person and CHF 60'480 for all the household's employees together. Accident insurance (UVG) is only included if you choose the plus option when you register. Otherwise you take it out yourself with an insurer.
What happens if I don't register my cleaner in Zürich?
An employer who does not join a compensation office and settle the wages commits an offence under the AHV Act: a monetary penalty of up to 180 daily units (Art. 87 AHVG). On top come the social insurance contributions, as a rule back-dated up to 5 years.
Do I have to withhold tax (Quellensteuer) if my cleaner holds a B permit?
In the simplified procedure, yes, for every employee: 5 % withholding tax, whatever the nationality or permit, Swiss nationals and C permit holders included. SVA Zürich settles it together with the contributions. In the ordinary procedure, withholding tax applies only without a C permit (for example B, L or G), at the ordinary tariff.
Do I need a pension fund (BVG) for my cleaner?
Usually no. Occupational pension only becomes mandatory once the annual wage exceeds the BVG entry threshold (CHF 22,680). Most private-household cleaning hours stay below it. Clino flags it for you if the threshold is reached.
What if my cleaner also works for other households?
Each employer registers and settles their own share of the wage separately with SVA Zürich. You only declare what you pay, the other households handle their own arrangements.
My cleaner already works for me. Can I still start with Clino?
Yes. You enter the existing working conditions and Clino prepares the contract and the SVA Zürich registration. If an earlier registration is missing, you catch up voluntarily: contributions can, as a rule, be claimed up to 5 years back, but registering yourself puts you in a far better position than an inspection.
What does Clino cost?
CHF 19.90 per month: flat rate. First 30 days free. Cancel monthly.
What does the AHV registration cost in Dübendorf?
Registration itself is free. Only the social contributions apply: AHV/IV/EO 10.6% and ALV 2.2% (split in half), plus the cantonal FAK contribution (employer only) and UVG, and the compensation office's administrative fee. Clino calculates all Dübendorf rates automatically.
From what wage must I register my cleaner with the AHV?
In a private household, AHV registration is mandatory from the first franc – across Switzerland, including in Dübendorf. Only young people up to the year they turn 17 and, for employees up to age 25, wages up to CHF 750/year stay exempt, unless the employee asks to pay contributions.
Public holidays in Zurich (2026)
Only 1 August is paid by federal law. The other days are assimilated to Sundays, whether they are paid is set by the contract or the NAV.
Thu
Jan
New Year's Day
Fri
Apr
Good Friday
Mon
Apr
Easter Monday
Fri
May
Labour Day
Thu
May
Ascension Day
Mon
May
Whit Monday
Sat
Aug
Swiss National Day
paid by law
Fri
Dec
Christmas Day
Sat
Dec
St Stephen's Day
2 of these days fall on a weekend in 2026. Basis: Art. 20a Labour Act. Source: SECO, as of 12.12.2024.
This is how fast it goes in Zurich
Clino
online
Grüezi! We've found a cleaner in Zürich, what do we need to do now?
09:12
Great! Done in 5 minutes: we prepare her registration with the SVA Zürich, you sign it, plus the contract + payslips. Valid across the whole canton of Zurich.
09:14
Message
Are you the cleaner?
Pay, insurance, your rights, plus a ready-made pack you can send your employer so they register you legally.