US Citizens with $10K or more in a foreign bank account are required to file a FBAR for 2026.

Details below. Filing date is today, April 15th, but supposedly there is a automatic 6 month extension.
Where to file: https://bsaefiling.fincen.gov/

Source: Grok
The FBAR (Report of Foreign Bank and Financial Accounts, or FinCEN Form 114) is an annual report filed with the U.S. Department of the Treasury's Financial Crimes Enforcement Network (FinCEN). It covers foreign financial accounts maintained during the previous calendar year.

irs.gov

Filing Deadlines for the 2025 Calendar Year (Due in 2026)

• Original due date: April 15, 2026.

• Automatic extension: If you miss April 15, you receive an automatic six-month extension to October 15, 2026. No separate request or form is needed for this extension.

  taxesforexpats.com

This applies to the FBAR reporting foreign financial accounts held during calendar year 2025. The FBAR is filed electronically through the BSA E-Filing System on FinCEN's website and is separate from your federal income tax return (e.g., Form 1040).

fincen.gov

Key Notes

• The deadline aligns with the standard U.S. tax filing season but is not tied to your tax return deadline (which may differ for expats or those who request extensions).

• If April 15 or October 15 falls on a weekend or federal holiday, the deadline typically shifts to the next business day (though confirm closer to the date if needed).

• Special extension for certain filers: Individuals with only signature or other authority (but no financial interest) over certain foreign financial accounts—often certain employees or officers of regulated entities—may have an extended deadline to April 15, 2027, due to ongoing FinCEN notices related to proposed regulatory changes. This does not apply to most standard filers with a financial interest in the accounts. For all other U.S. persons, the deadlines remain April 15/October 15, 2026.

  kpmg.com

• Who must file: Generally, U.S. persons (citizens, residents, estates, trusts, etc.) with a financial interest in, or signature/other authority over, foreign financial accounts exceeding $10,000 in aggregate value at any time during the calendar year.

For the most official guidance, check the FinCEN website (fincen.gov) or IRS resources on FBARs, as rules can occasionally have narrow exceptions or updates. Filing late without reasonable cause can result in penalties, so aim to file by the original or extended deadline. If your situation involves signature authority only, review the latest FinCEN notices for potential extensions.

The automatic extension until October 15 is not supposedly.

It is a FACT and you can bank on that.

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1 hour ago, Jingthing said:

The automatic extension until October 15 is not supposedly.

It is a FACT and you can bank on that.

Next

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Personally I file before April 15th. There's nothing to it. Look at the high-water mark in you bank accounts, fill out a PDF, and file. Takes 5 minutes.

1 minute ago, connda said:

Perhaps, but I file before April 15th. There's nothing to it. Look at the high-water mark in you bank accounts, fill out a PDF, and file. Takes 5 minutes.

Some of us are serious procrastinators.

I didn't say it was hard, but you got your chance to brag.

Again there is no perhaps.

The actual real deadline is October 15 and that is automatic, no need to file for the extension.

I did it a couple weeks ago when I did my taxes.

I find using the PDF and just updating it each year is easier than trying to do it online.

I take the money out, every 3rd or 4th month, depending on exchange rate, so I don't need to file.

Try to spend it, to enjoy my retirement, though do admit, it's hard at times, since not a frivilous spender. Wife's accounts, and investments keep growing.

2 minutes ago, KhunLA said:

I take the money out, every 3rd or 4th month, depending on exchange rate, so I don't need to file.

Try to spend it, to enjoy my retirement, though do admit, it's hard at times, since not a frivilous spender. Wife's accounts, and investments keep growing.

Do you not use the money in the bank method for you visa?

If you have joint account(s) with your wife, those count as well.

Those of us retirees on the 800k baht visa method must file every year of course.

1 minute ago, Yellowtail said:

Do you not use the money in the bank method for you visa?

If you have joint account(s) with your wife, those count as well.

Yes, but if doesn't hit $10k worth, at any one time, then no need to file.

No joint accounts, again, to avoid filing. Pillow and man bag is full up at times 😄

42 minutes ago, KhunLA said:

Yes, but if doesn't hit $10k worth, at any one time, then no need to file.

Then you much not be using the money in the bank method.

You are using monthly deposits?

42 minutes ago, KhunLA said:

No joint accounts, again, to avoid filing. Pillow and man bag is full up at times 😄

You have a man-bag, and a wife? Is your wife a woman?

Filing is nothing.

1 minute ago, Yellowtail said:

Then you much not be using the money in the bank method.

You are using monthly deposits?

You have a man-bag, and a wife? Is your wife a woman?

Filing is nothing.

oops, correct, not using lump sum, but monthly deposits. Hence the withdrawals ever 3rd or 4th month. Less interaction I have with any govt office, the better.

Wife, last time I checked, nothing added. Women is still be birthed female in my world.

One small convenience -- I double check to make sure the form issue date hasn't changed, then just update the numbers on the previous year's form and re-sign & submit that.

Fwiw I pretty much just grip it and rip it -- err on the side of overstating my guess at the balance high-watermark. I don't think the IRS is really worried about whether I actually had $3,500 or $4,500 in my bank account on top of my fixed retirement deposit.

Just now, retiree said:

One small convenience -- I double check to make sure the form issue date hasn't changed, then just update the numbers on the previous year's form and re-sign & submit that.

Fwiw I pretty much just grip it and rip it -- err on the side of overstating my guess at the balance high-watermark. I don't think the IRS is really worried about whether I actually had $3,500 or $4,500 in my bank account on top of my fixed retirement deposit.

I do the same, but don't bother with checking for the update.

On 5/5/2026 at 3:33 AM, Yellowtail said:

I do the same, but don't bother with checking for the update.

Yeah, I'm sure the submissions they get are messed up every which way. The point of the exercise is to lay a paper trail for real scofflaws, not to catch up folks who have some cash coming in or out on the side.

On 5/6/2026 at 3:27 PM, retiree said:

Yeah, I'm sure the submisions they get are messed up every which way. The point of the exercise is to lay a paper trail for real scofflaws, not to catch up folks who have some cash coming in or out on the side.

Exactly. They do not care about the small money I have.