

How to Receive a Delivery in Switzerland
Before I impart this wisdom, I need to review a few basic Swiss banking processes. First of all, it seems that the personal check is not used here. When someone wants your money, they send or give you a red or orange invoice (the latter has a reference number of some sort but otherwise I don’t know if there is a difference between the two.) Then you take said invoice to the bank or post office and give the agent there the cash equivalent to the invoice. Just be sure to go early before the brontosaurus traffic jam! If you’re really modern and high-falutin (like me) you can input all 500 bits of information from the invoice into a website and square your bills electronically. Don’t tell too many Swiss people about this or their heads may explode.
Thus far, everything I have ordered (about 30 items) have arrived either with, or followed by, said invoice. In fact, even the painter handed me one in person. The following information is for those who seek more ambitious delivery options.
1. First you must read minds to know that a certain delivery is cash only. I received two deliveries today with no such advance warning. Clearly, this is to be intuited in advance.
2. When the delivery person arrives, have exact change ready for delivery people do not carry change. If you do not have the proper change then you did not intuit the amount properly in advance and you need to practice step 1 further.
3. When making a delivery, it is reasonable for the delivery people to expect payment before the goods have actually been handed over. This holds true even when the deliverer needs to “go elsewhere to collect goods for the second part of the delivery.” Payment in full is expected upon arrival. You can double check inventory after you have paid – if the deliverer and the goods are still around.
4. It is reasonable for the deliverer to expect payment in full regardless of the amount to be paid. If you have ordered, for example, over 1000 kilograms of furniture, you should have the required amount of cash lying about.
5. You should be prepared that your credit card may suddenly only have 5% of its usual limit. This is normal and clearly your fault and you shouldn’t expect your bank should be able to rectify this within the next week.
6. If you have failed at steps 1-5 you should be happy to drive to the nearest bank, even if it is 30 minutes across a lake (for example).
7. Do not assume that said bank can give you the money in your account and do not make such unreasonable demands. Your money belongs to the bank. Do not expect to get money out of the ATM – it is there to make the bank look official, not to dispense cash.
8. It is reasonable for the bank teller to have to call your personal advisor and her assistant in Zürich to verify you can access your money. If said personal advisor and her assistant are out to lunch, do not expect to access your money until they get back. If they are out or the bank in which you are making your ridiculous demands needs to close for a ninety minute lunch, then you are welcome to return afterwards.
9. If the deliverer chooses not to wait and would rather pack all the inventory back into the truck and then send you a bill for the whole process afterwards, you should greet said bill with great joy.
If you properly follow these Nine Simple Steps, then YOU TOO can receive deliveries in Switzerland!