Consequences of overstaying Schengen visa in Switzerland

I overstayed my Schengen visa by 2 weeks when I traveled to Switzerland. The police in Switzerland gave me a paper saying that I will receive a penalty order in one or two months requiring me to pay a fine and that I may also be issued a prohibition of entry forbidding me from entering Switzerland and the Schengen states for a period of one or more years.

I am holding a Vietnamese Passport. This occurred today, and I am worrying about what will happen to me.

Does anyone know how much is the fine for overstaying a Schengen visa? Will I not be allowed to enter the Schengen states?

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Validity of German debit card in Switzerland

I have a Deutsche Bank maestro debit card that i got in Germany with no magnetic strip, but a chip. I am traveling to Switzerland next week. Can I make transactions in hotel and restaurants in there with this card? If yes, will the deductions be in Euro or Swiss Franc?

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How to save for pension in Switzerland when moving around?

I am a 28 year old Swedish citizen living in Switzerland, as a PhD student it is possible that I will move internationally once or several more times before settling down. It is also possible that I stay the rest of my life, or that I stay for a longer period and then move. I will however stay fr at least 3 more years.

The Swiss system is based around three different pillars where the first and second are mandatory.

The third pillar allows tax deductions, and can be used for buying property, making it an interesting choice. However the interest rates seem to be very low, ZKB for example has an interest rate of 0.125%, which to me seems to low to even bother.

An other alternative is to just purchase index funds, or similar, every month. Here the downsides are however that there is no protection against bankruptcy, and I might be tempted to use the savings at some point in the future. The benefits are of course that these funds can be accessed without having to worry about changing retirement rules, limitations when moving etcetera.

How can I build a sustainable retirement saving which is mobile, safe and efficient?

I am looking to save 100-300 CHF per month right now, a number which I will increase as my salary grows.

Further info

I have student debt amounting to ca 250000 SEK (roughly 27000 CHF or $), this is low interest, and I am paying it off at the standard pace ~1000 CHF/year. Except for this I am debt free.

I have a monthly salary saved in cash, and somewhat less than a yearly salary in various funds and stocks.

I intend to purchase a house and land (forest) within the next 5-10 years.

A similar question focused on the USA case:
Effects of moving around on pension

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Switzerland vs Iceland

Switzerland vs Iceland

Switzerland vs Iceland

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Question: Trip to Switzerland in early April 2019, now second guessing because weather would be better in September. Anyone with experience there?

Question: Trip to Switzerland in early April 2019, now second guessing because weather would be better in September. Anyone with experience there?

Question: Trip to Switzerland in early April 2019, now second guessing because weather would be better in September. Anyone with experience there?

Right now I have booked, in early April 2019 , 2 nights Zurich, 4 nights lugano, 5 nights wengen, and 4 nights lucerne. This will be my first time in Europe and am traveling by myself.

I originally wanted to go to Switzerland because of all of the beautiful pictures I saw of the Lauterbrunnen region. April was the only month that could work with my work schedule. Plus I didn’t want to have to wait a long time to take the trip!

Originally I read that April can still be beautiful and I’d have a good time. Now as I’m reading more and more it seems like nothing will really be in bloom at that point. Has anyone had a good time in April? Should I instead plan for Late August/Early September? It would just be a bummer to have to make it a year away.

I’m not interested in skiing or anything like that, the most outdoorsy thing I will do is do some easy trails for the views. Everything is booked as refundable so I have some flexibility, but I really don’t want to wait a whole year to go on a trip.

Thoughts?

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