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Register your nanny in St. Gallen. Legal and insured.

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Good to know in St. Gallen

Three things that count here.

  • 80 %of the wage, for up to 720 days
    NAV St. Gallen

    Sick-pay insurance is mandatory.

    The NAV St. Gallen requires a daily sickness allowance insurance for contracts of more than one month.

    What it means for you

    Without a policy, you pay the 80% yourself.

    How long you pay
  • 2steps: form first, then the portal
    SVA St. Gallen · AHVeasy

    AHVeasy opens after registration.

    Your household first registers with SVA St. Gallen. After that, wages and the annual declaration go through AHVeasy.

    What it means for you

    Don't start in the portal. Start with the form.

    The four steps
  • 4.2the question that matters
    Form 318.147

    In the form, pick «Domestic service».

    SVA St. Gallen uses the federal form 318.147. Only «Domestic service» brings up question 4.2 on accident insurance.

    What it means for you

    Otherwise accident insurance never even shows up in the form.

    The four steps

Registering in St. Gallen

AHV registration with SVA St. Gallen: four steps.

318.147

Employer registration

EmployerKeller family
Employment forDomestic service
SettlementSimplified procedureOrdinary procedure
EmployeeNameMaria SilvaAHV number756.••••.••••.••Start01.11.2026
RecipientSVA St. Gallen
  1. 1

    Fill in form 318.147

    Online, with the federal government. Under «Employment for», pick «Domestic service».

  2. 2

    Pick the right procedure

    Above CHF 22'680 a year, the ordinary procedure applies. You then take out accident insurance and a pension fund yourself.

  3. 3

    Register your nanny

    With her AHV number (756.…) and first working day, within a month.

  4. 4

    Wait for the confirmation

    The settlement number arrives by post. Wages are declared every year by 30 January. After that it runs through AHVeasy.

Above CHF 22'680 a year, quickly reached full time, the ordinary procedure applies, with a pension fund (BVG).

On svasg.ch, do NOT use the form «Anmeldung Arbeitgeber/in für Personal im Haushalt»: that is the ordinary procedure. For the simplified one, use the federal form 318.147.

The fund

SVA St. Gallen ↗

Brauerstrasse 54, 9016 St. Gallen
+41 71 282 66 33

All about SVA St. Gallen: contact, registration, our experience →

The portal

AHVeasy ↗

ahveasy.ch

Clino walks you through every step and fills in the wage fields from your payslip.

Try 30 days free

Wages in St. Gallen

What a nanny earns in St. Gallen.

According to the Swiss Nanny Association, the market pays CHF 25 to 40 an hour.

SNA market range
NAV, with housework20.35
Your hourly rate
CHF 30.00
Within the market range published by the Swiss Nanny Association.

According to SECO, the federal NAV does not cover nannies who mainly look after children. The NAV St. Gallen does cover childcare too. A minimum wage is a floor, not a recommended rate.

Register at CHF 30.00/h →

Loyalty bonus · St. Gallen

With you for years? Then she's owed a loyalty bonus.

With you since

2019

Wage per month

CHF 600

  1. 2024

    after 5 years · ⅓ month's wage

    CHF 200

    open

  2. 2029

    after 10 years · ½ month's wage

    CHF 300

  3. 2034

    after 15 years · ¾ month's wage

    CHF 450

  4. 2039

    after 20 years · one month's wage

    CHF 600

Due today

CHF 200

Due in 2024, unless the contract excludes it in writing. Not paid yet? It can still be paid.

Next bonus: 2029, ½ month's wage, about CHF 300.

Register her properly

St. Gallen is already filled in.

St. Gallen standard contract for domestic work (sGS 513.1) Art. 12, part-time included; for hourly pay, the monthly average of the last year of service · Paying later: employment claims prescribe after 5 years (CO Art. 128 no. 3)

Free, no account

The St. Gallen kit.

Three templates for hiring your nanny. As a PDF, right away.

  • Clino · St. Gallen

    Nanny contract

    With the overtime rule and no banked hours.

    Create the contract

  • Clino · St. Gallen

    Payslip

    With the 2026 rates. Pick St. Gallen, done.

    Create the payslip

  • Clino · St. Gallen

    SVA St. Gallen checklist

    Every step to tick off, with the fund's address and phone number.

A new payslip every month? Clino makes it for you, free for the first 30 days. Then CHF 19.90/mo. Try 30 days free →

In the same household

Who else has a key?

Each role has its own rules in St. Gallen.

Cross-border · St. Gallen

Where does she live?

The simple registration isn't possible here.

Clino still does the payroll, the normal way, as a company would.

Try 30 days free

Already filled in: St. Gallen.

Simplified settlement procedure: AHV leaflet 2.07 (as at 1.1.2026); directives on the collection of contributions, no. 2105

Comparison St. Gallen

Nanny or daycare: what suits you?

Full-time daycare (Kita) per child vs. a full-time nanny (40 hrs/week). CHF/month, before subsidies.

Nanny, daycare, au pair & childminder in full comparison →
Daycare (1 child, 100%)CHF 2'200
Nanny (40 hrs/week)CHF 5'017
  • • From 2 children on, a nanny quickly becomes cheaper than daycare.
  • • A tax deduction of up to CHF 25'800/child (federal) is also possible.

Childcare

Four rules for every nanny contract.

Childcare has its own rules. These four belong in every contract.

  1. Overtime is paid

    Overtime is the exception: only where it is needed and reasonable for the nanny (Art. 321c para. 1 OR), ideally agreed in advance. If it doesn't work for her (her own children, a course, a second job), she can say no. Beyond the agreed hours: a 25% supplement, or the same amount of time off if you both agree (Art. 321c OR). Waiving it only counts in writing. For overtime on Sundays and public holidays the Swiss Nanny Association recommends +50%; it is not the law, but it is what the Clino nanny contract agrees.

  2. No banked hours

    If you don't need the nanny because you are on holiday or a child is ill, you still pay the full wage (Art. 324 OR). Minus hours are not allowed.

  3. An au pair is not a nanny

    Au pair means at most 30 hours a week, room and board, a language course, and a parent at home at least half the time. Whoever looks after the children more, or alone, is a nanny.

  4. Full time means a pension fund

    Above CHF 22'680 a year, the pension fund (BVG) is mandatory. Clino includes it in every payslip.

The nanny contract in the kit already has the overtime and banked-hours clauses. ↑

Typical market rates, according to the Swiss Nanny Association

CHF 5'000–6'500

gross per month, or CHF 25–40 an hour, depending on experience. The minimum wage is a floor, not a recommended rate.

Independent support: Swiss Nanny Association

The Swiss Nanny Association is a nonprofit association supporting nannies and Au Pairs with information, resources, training and guidance on fair working conditions in Switzerland.

For information and resources, visit swissnanny.org ↗

Guides

For families with a nanny in St. Gallen

Tax deduction St. Gallen

Registered? Then you get money back.

Declare your nanny properly and her costs come off your taxes. Work out how much:

CHF 3'000 per month

Children under 14

What does she do?

Household taxable income

Tax return 2026

Sample

Deductions

  • Work expenses
  • Insurance premiums
  • Third-party childcare costs
CHF 11'022less tax per year, estimated
Federal tax deduction
CHF 32'537
Cantonal and municipal tax deduction
CHF 32'537
Estimated tax saving per year
CHF 11'022

When the deduction applies

  • The child is under 14 and lives with you.
  • You need the care because you work or study. For a couple, that goes for both of you.
  • Only the childcare is deductible, not cleaning, cooking or laundry.
  • You can prove the costs. That only works if the nanny is declared and you pay her wage by bank transfer.
  • Per child at most CHF 25'800 for federal tax and CHF 26'800 in St. Gallen.

The documents you attach

  1. The compensation office's statements and, in the ordinary procedure, the nanny's salary certificate (Lohnausweis)
  2. The employment contract with its task list, ideally stating the childcare share as a percentage
  3. Proof of payment: the wage transfers (the tax office may ask for them)
  4. Proof that you work: your own salary certificates

Clino prepares the contract, the payslips and a statement of the childcare costs for the tax office, plus the salary certificate in the ordinary procedure.

Paid cash and undeclared, there is no proof, so no deduction.

Some employers pay towards it

The federal administration pays its staff up to CHF 750 per child and month until the child starts school, Swiss Post up to CHF 12'000 a year depending on income, and the canton of Solothurn up to CHF 300 per child and month. All three also pay towards an employed nanny. They usually ask for the employment contract, proof of the costs and a confirmation from the compensation office. The contract and the costs come from Clino, the confirmation from your office.

Federal Personnel Ordinance (German)Swiss Post: fact sheet from HR or the social counselling serviceCanton of Solothurn

› How we calculate

A cautious estimate: the net wage before source tax (as on the salary certificate, box 11), the cantonal capital's tax rates, married, no church tax. A deduction lowers taxable income, not the tax itself. The tax office makes the assessment.

ESTV tax calculator for St. Gallen: a family with two children and CHF 150'000 income, a nanny 25 hours a week. Deducted: her net wage, at most the deduction per child. At CHF 250'000 income, around CHF 12'400. Childcare deduction in St. Gallen: up to CHF 26'800 per child (cantonal and municipal tax), up to CHF 25'800 for federal tax (2026).

The employer contributions for a registered nanny cost around CHF 4'230 a year in St. Gallen. At CHF 150'000 income, that leaves around CHF 3'640 net.

Calculate tax deduction →All 26 canton capitals: nanny tax study 2026 →

If she falls ill: how long you keep paying the wage

How many days of full wage you owe in St. Gallen depends on the year of service. This is the table that binds here when no policy sits behind it.

  • Year 130 days of full wage
  • Year 260 days of full wage
  • Year 360 days of full wage
  • Year 560 days of full wage
  • Year 1090 days of full wage
  • Year 20120 days of full wage

This table does not cover regular part-time staff (Art. 2 Abs. 2). For them Art. 324a OR applies, in practice with the Bern scale.

Sick-pay insurance is mandatory in canton St. Gallen.

It pays 80 % of the wage from day 31 of the illness.

Up to 720 days.

It only applies to contracts of more than one month.

An employer who does not insure is liable for exactly the benefits the insurance would have paid.

Check what applies in your case

Source: NAV hauswirtschaftliche Arbeitnehmerinnen und Arbeitnehmer SG (sGS 513.1), Art. 11 Abs. 1 · Sick-pay insurance: NAV SG (sGS 513.1), Art. 20

At home in St. Gallen, from Rapperswil-Jona to Gossau.

Getting started is free.

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St. Gallen at a glance

Fund
SVA St. Gallen
Portal
AHVeasy
Market rate (SNA)
CHF 25–40/h
Sick-pay insurance
mandatory
Child allowance
CHF 245/month

Frequently asked questions

Do I really have to register my nanny, even for just a few hours?

Yes. For household employees there is no minimum number of hours and no de-minimis threshold. From the very first franc you pay AHV/IV/EO, ALV and UVG accident insurance. Exceptions are young people up to the year they turn 17 and, for employees up to age 25, wages up to CHF 750 a year; from reference age, an allowance of CHF 16'800 a year applies. The exemption for very small wages (CHF 2'500/year) explicitly does not apply to nannies and other household employees. Paying a nanny in cash and unregistered is undeclared work.

I've been paying my nanny without registering her for a while. What now?

No need to panic. You can register the employment retroactively (back-registration with the SVA St. Gallen). The sooner you do it, the smaller the back-payment, and you avoid a penalty if it comes to light in an inspection. Clino helps you with the back-registration and then sets up the ongoing payroll.

What exactly does Clino prepare for me?

Clino prepares the registration with the SVA St. Gallen, the nanny contract with the overtime rule, a comparison of UVG policies with the application ready, the monthly payslip, the wage statement (Lohnausweis) and the annual declaration. You enter the workload and wage, check and send. You take out the insurance yourself. CHF 19.90/month, cancel anytime.

Which compensation office is responsible in the canton of St. Gallen?

SVA St. Gallen. With the federal online form 318.147. On the last page, choose «SVA St. Gallen» as the recipient. The AHVeasy portal only comes in after registration, for the annual wage report.

Is there a minimum wage in the canton of St. Gallen?

There is no cantonal minimum wage in St. Gallen. The cantonal NAV does cover nannies (care work), though, and takes over the federal minimum wages: CHF 20.35/h unskilled, CHF 22.30 with experience or an EBA, CHF 24.55 with an EFZ. They apply from the first hour unless the contract says otherwise in writing.

How high is the child allowance in the canton of St. Gallen?

Child allowance: CHF 245 per child a month. Training allowance: CHF 298 a month. As of 2026.

Which tax deductions are possible?

Yes. In St. Gallen, up to CHF 26'800 per child a year (cantonal and municipal tax), and up to CHF 25'800 for federal tax (2026). Condition: the child is under 14 and both parents work or are in training.

Updated:

Canton St. Gallen

One canton, one compensation fund.

St. Gallen, Rapperswil-Jona or Uzwil: private households register with SVA St. Gallen.

Or tap your municipality

Nearby

Neighbours and towns

Founded in Zürich, for all of Switzerland

Goodbye, paperwork.

Sign up for free. Clino prepares your registration with SVA St. Gallen.

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Nothing charged before day 30. Cancel anytime.

2026 rates for all 26 cantons checked against official sources, as of · Sources and methodology

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Then CHF 19.90/mo · Nothing charged before day 30