Canton of TicinoIs your cleaner in Lugano correctly registered?
The registration is long done within those 30 days. Then CHF 19.90/mo., cancel anytime.
The registration is done well within the 30 free days. Cancel anytime, you lose nothing.
Your postcode carries over, the office is already detected
Set hours and wage. Cost, procedure and insurance appear instantly.
Responsible office
IAS Ticino
by post · IAS Ticino
Your procedure
Simplified procedure
One statement per year · 5% withholding tax included.
Accident insurance
Your cost per month
≈ CHF 15'176.47 / year
What Clino does for you
Canton of TicinoEvery municipality, one office: Istituto delle assicurazioni sociali.
Register in TicinoWe hear this every week
«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 IAS Ticino. 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 IAS Ticino 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.
Sources: UVV Art. 13 · Art. 95 UVG, Ersatzkasse UVG (written reply, August 2026) · AHV info sheet 2.07 · AHVG Art. 12
Compensation Office
Employer audit
Keller family
Employer audit of your household
Employment contract
PDFbetween Keller family · Maria Silva
Short and honest
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 18 percent. Plus CHF 19.90 for Clino.
FAK rate in the canton of Ticino: 1.9 %. Add 8.33 % holiday supplement and your contributions for AHV, IV, EO, ALV and occupational accident insurance. The calculator above shows the exact amount.
Go to the cost calculatorHow long does it take?
Set up once. Then once a year.
The registration goes to IAS Ticino, by post, 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 Istituto delle assicurazioni sociali 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
The registration is long done within those 30 days. Then CHF 19.90/mo., cancel anytime.
Ticino authorityThe responsible office is Istituto delle assicurazioni sociali. You first register there once as an employer (online form), then wage reporting runs through the AVSeasy portal.
First the employer registration with Istituto delle assicurazioni sociali, then AVSeasy.
Collects AHV, IV, EO, ALV and family allowances for private-household employers in Canton Ticino. This is where you register as an employer: one online form, once.
Register as an employerFor already-registered employers only: report wages and view your statements here. Signing up to the portal requires your member number, which is on the first invoice from Istituto delle assicurazioni sociali.
Open portalClino walks you through each step with screenshots and pre-fills the wage fields from your monthly payroll.
Rates and registration route last checked on July 17, 2026.
Istituto delle assicurazioni sociali uses its own registration form or portal, the direct link is in the card above.
The simplified procedure plus (accident insurance included) is offered, but you must actively request it; it is never automatic.
Register: within 30 days of the start of employment. Annual wage declaration: by 30 January for the previous year.
The confirmation with your settlement number arrives by post. You may already pay wages in the meantime.
In Ticino's «modulo 111»: opting into the plus procedure takes two steps. Point 6 «sì» and the confirmation at point 10. The signature goes on point 11.
Free, no signup, every step, ready to tick off.
Straight to your city
Ticino: three wage floorsIn Ticino three rules stack up: a federal NAV, a cantonal minimum wage and a cantonal standard employment contract. For your household they almost always come out at the same figure, just not the one in the cantonal statute.
The federal NAV covers household work from an average of five weekly hours with the same employer and cannot be contracted away. With four years' experience it is CHF 22.30, with a federal diploma CHF 24.55. Staff mainly occupied with childcare fall outside it.
Ticino's cantonal standard contract for domestic staff covers every full- or part-time employment in the canton, provided the employee is mainly occupied with the work of the house, and its Art. 22 sets the same rates. With no hours threshold. On top come a thirteenth month (Art. 23) and continued wage payment from the first day of the contract (Art. 22c). You can only depart from it in writing.
The cantonal minimum wage act sets CHF 20.00 for private households. That is below the other two floors, so it is not what you pay. It is the absolute line, and it governs where the federal NAV does not reach: below five weekly hours, or where the work is mainly childcare.
The rates are quoted before supplements. Art. 22 para. 1 states the hourly rates expressly without vacation and paid-holiday compensation. In its January 2026 guide the cantonal labour inspectorate works out CHF 20.35 + 8.33 % vacation + 3.6 % public holidays = CHF 22.78/h for an hourly-paid unskilled worker, and tests compliance against that figure. For a fixed monthly salary the same guide says those supplements are not owed.
Honestly: You do have one duty fewer in Ticino: the cantonal contract requires no daily-sickness-benefit insurance, and its Art. 19 only asks you to check at hiring that your employee has health cover. That is not a relief. Under Art. 22c the wage is owed from day one, and with no insurer behind it you carry that yourself.
The cantonal standard contract («CNL») applies this rate from the first hour unless agreed otherwise in writing. Never below the cantonal minimum wage of CHF 20.00.
SourceThe Istituto delle assicurazioni sociali works in Italian.
Check the G permit and report withholding tax correctly.
Binding wage floor: CHF 20.35/h. The cantonal minimum wage is CHF 20.00, but household work falls under the higher federal NAV.
Istituto delle assicurazioni sociali charges an administrative fee of 1.50% of the AHV/IV/EO contributions (capped at 5% by SR 831.143.41, Art. 1). Expressed against the gross wage that is 0.16%.
Registration, contract, insurance, payslips. Every form still exists. Just not on your desk.
Clear your desk →Been at it for a while?
If you register yourself, you pay, as a rule, at most 5 years of AHV contributions back, plus 5 % default interest. Clino issues the contract and registration from today; for the past, we help via WhatsApp.
Check in 60 seconds what is still open in your caseFour small tools, no signup, pre-loaded with Ticino rates.
Ticino borders Italy. 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.
Whoever you employ at home. Clino prepares the registration and the insurance and runs payroll, all for in Ticino.
Page last updated:
With IAS form 111 (the questionnaire for the simplified procedure), sent to Bellinzona by post or e-mail within a month of the start of work. The filings then go through the AVSeasy portal. Clino fills in the form with your data.
The family allowance contribution (FAK) is 1.90% of gross wages in the Canton of Ticino, paid solely by the employer. Clino calculates this automatically.
In Ticino the cantonal standard contract for household staff applies: at least CHF 20.35 an hour from the first hour, unless the contract says otherwise in writing. Even then, the cantonal minimum wage of CHF 20.00 applies. From 5 hours a week the federal NAV at CHF 20.35 is binding anyway.
Child allowance: CHF 215 per child a month. Training allowance: CHF 268 a month. As of 2026.
Under the simplified procedure you settle AHV/IV/EO, unemployment insurance and a 5 % withholding tax once a year through the compensation office (IAS Ticino). 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.
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.
CHF 19.90 per month: flat rate. First 30 days free. Cancel monthly.
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 Lugano rates automatically.
In a private household, AHV registration is mandatory from the first franc – across Switzerland, including in Lugano. 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.
CNL TI (art. 18 cpv. 1): 9 public holidays are paid, unless the contract says otherwise in writing. The list below is the cantonal holiday list.
New Year's Day
Epiphany
Easter Monday
Ascension Day
Swiss National Day
paid by lawAssumption
All Saints' Day
Christmas Day
St Stephen's Day
4 of these days fall on a weekend in 2026. Basis: Art. 20a Labour Act. Source: SECO, as of 12.12.2024.
Quick answers
Tap a question
The cleaner comes 3 hours a week. What do I pay at least?
CHF 20.35 an hour, from the first hour. Less can be agreed in writing, but never under CHF 20.00.
Already filled in: Ticino and CHF 20.35 per hour.
Illustration: typical questions from households. Source: CNL per il personale domestico TI (FU 41/2019, stato 1.1.2026), art. 1 e 22; Legge sul salario minimo (843.600)
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