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SESK: Stuff Everyone Should Know · sesk.info/wt-fincen-105-form

Carrying over $10,000 in cash into or out of the US, which form do you file?

FinCEN Form 105, best filed online.

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  1. IRS Form 1040
  2. CBP Form 4457
  3. FinCEN Form 105 ✔

Why: Carrying any amount is legal, but over $10,000 must be reported to CBP on FinCEN Form 105. Filing online is recommended. Skipping it can mean losing all the money and a fine of up to $500,000.

Huh, didn't know that: Travelers checks, money orders and foreign cash all count toward the $10,000.

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References

Answer: FinCEN Form 105. Carrying any amount is legal, but over $10,000 must be reported to CBP on FinCEN Form 105. Filing online is recommended. Skipping it can mean losing all the money and a fine of up to $500,000.

  1. How much money can you bring into and out of the US? (USAGov) www.usa.gov/travel-money
    Fill out the Currency Reporting Form (FinCen 105) online
    Checked 2026-10-12.
  2. How much money can you bring into and out of the US? (USAGov) www.usa.gov/travel-money
    A fine of up to $500,000
    Checked 2026-10-12.
  3. How much money can you bring into and out of the US? (USAGov) www.usa.gov/travel-money
    Travelers’ checks
    Checked 2026-10-12.

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