An FBAR (FinCEN Form 114) is a report of foreign bank and financial accounts that must be filed annually by US persons who have over $10,000 in foreign financial accounts at any time during the calendar year.

Who needs to file an FBAR?

US citizens, residents, and entities who have a financial interest in or signature authority over foreign financial accounts with an aggregate value exceeding $10,000 at any time during the calendar year must file an FBAR.

What are the penalties for not filing an FBAR?

Non-willful FBAR violations can result in penalties of up to $16,117 per account. Willful violations can result in penalties up to $161,072 or 50% of the account balance at the time of the violation.

October 15, 2026 deadline

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Did you have more than $10,000 total in foreign bank accounts, brokerage accounts, or hybrid crypto-fiat accounts at any point in 2025?

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Frequently Asked Questions

What is an FBAR?: An FBAR (FinCEN Form 114) is a report of foreign bank and financial accounts that must be filed annually by US persons who have over $10,000 in foreign financial accounts at any point during the calendar year.
Who needs to file an FBAR?: US citizens, residents, and entities who have a financial interest in or signature authority over foreign financial accounts with an aggregate value exceeding $10,000 at any time during the calendar year. This includes green card holders living abroad.
When is the FBAR due?: April 15, with an automatic extension to October 15. No extension request is needed — it's granted to everyone automatically.
What are the penalties for not filing?: Non-willful violations: up to $16,536 per report (per the Bittner Supreme Court ruling). Willful violations: up to $165,353 or 50% of the account balance.
What is the $10,000 threshold?: The threshold is aggregate across all your foreign accounts. 3 accounts with $4,000 each = $12,000 total = all 3 must be reported. It's checked at any point during the year, not just year-end.
Do crypto accounts count?: Foreign accounts holding both fiat and crypto (hybrid accounts like Revolut or Wise with crypto wallets) are increasingly flagged by FinCEN. We include a specific check for these.
Is my data secure?: AES-256 encryption at rest. TLS 1.3 in transit. SSNs and account numbers are encrypted at the application level. We never store unencrypted sensitive data.
What is the Audit Defense Folder?: Every filing includes a downloadable package: the XML copy, timestamped Treasury rate snapshots, balance summary in USD, BSA Acknowledgment ID, and e-signature log. Store this for 5 years per 31 CFR 1010.350.

Stop dreading FBAR season.

Penalties exceeding $16,000 per violation. A $39 filing is the smartest insurance you can buy.