Your CPA charges $300 to fill out a form
FBAR File handles your FinCEN 114 in about 12 minutes for $29. No appointment needed. No billable hours.
AES-256 encrypted · FinCEN-ready XML + PDF · BSA tracking ID · Money-back guarantee
$16,536
Penalty per account, per year
9M+
Must file — fewer than 2M do
45–90 min
Average time on the BSA portal
Penalty: 31 U.S.C. § 5321 (annual inflation adjustment). Filing gap: TIGTA reports on FBAR compliance, FinCEN BSA E-Filing statistics.
Three steps. Twelve minutes.
Enter your info
Name, address, and a few basics. Takes about two minutes.
Add your accounts
Bank name, country, balance. Or upload a statement.
Review and file
Preview, pay, and get your FinCEN-ready filing with PDF receipt.
Smart tier
Upload your statement.
We handle the rest.
Drop a PDF. AI extracts accounts, balances, and currencies.
Extracting…
3 accounts
~12 minutes
Not 12 days.
AES-256 encrypted
Encrypted at rest, TLS 1.3 in transit.
$29 flat
Unlimited accounts.
Safer than your CPA's inbox.
AES-256-GCM at rest · TLS 1.3 in transit · Uploads auto-deleted after extraction
| FBAR File | CPA | DIY | |
|---|---|---|---|
| Time to file | 12 minutes | 1–3 weeks | 45–90 min |
| Cost | $29 | $200–500 | Free |
| Scheduling | None | None | |
| Currency conversion | automatic | extra | manual |
| AI parsing | |||
| Extra accounts | $0 | $25–75 | $0 |
One price. No billable hours.
CPAs charge $200–500 for the same filing.
30-day money-back guarantee.
Questions
An FBAR (FinCEN Form 114) is required for any US person — citizens, green card holders, and residents — who has foreign financial accounts that together exceeded $10,000 at any point during the calendar year. This includes Americans living abroad, immigrants maintaining accounts in their home country, and dual citizens. If the total across all your foreign accounts hit $10,000 for even one day, you're required to file.
Non-willful failure to file carries a penalty of up to $16,536 per account, per year. Willful failure can result in penalties up to $165,353 or 50% of the account balance, whichever is greater. Criminal penalties can include up to 5 years imprisonment. The good news: the IRS rarely penalizes taxpayers who come forward voluntarily with non-willful violations.
The FBAR is due April 15 each year, with an automatic extension to October 15. No extension request is needed — it applies automatically. For the 2025 tax year, the October 15, 2026 extension deadline is the current active deadline. We recommend filing as early as possible to stay ahead of the deadline.
We generate your completed FinCEN Form 114 — both a FinCEN-compliant XML for submission and a PDF copy for your records. We walk you through uploading to the BSA E-Filing system, the same portal CPAs and tax professionals use. The upload takes about 2 minutes. Once submitted, you get a BSA tracking ID as proof of filing, saved in your dashboard alongside your PDF receipt.
Your SSN and account numbers are encrypted with AES-256-GCM before they're stored. The encryption architecture means we cannot access your sensitive data in plain text. All traffic uses TLS. Bank statement uploads are encrypted at rest and deleted after data extraction is complete.
You can add as many accounts as you need — there's no per-account charge. We handle currency conversion automatically using Treasury Department exchange rates for the reporting year. Five accounts across three countries is the same $29.