Answer two questions to see whether you file and what it costs. We prepare your FBAR and file it with FinCEN for you.
Who holds the accounts?
U.S. citizen, green card holder or U.S. resident?
Over $10,000 combined at any time in 2025?
Your 2025 FBAR
Filing receipt saved
$99
FinCEN Form 114
An FBAR is the yearly report of accounts outside the U.S., filed with FinCEN, the Treasury office that fights financial crime. It is due once those accounts held over $10,000 combined during the year. It is a report only, with no tax to pay.
The FBAR covers your accounts. Your tax return covers the income they earn.
| What you get | $99 | From $249 |
|---|---|---|
| Every account listed | Included | Included |
| Filed with FinCEN | Included | Included |
| Filing receipt saved | Included | Included |
| Tax return prepared and filed | Not included | Included |
| Account income reported | Not included | Included |
| Start your FBAR |
Add up every account abroad that you own or can sign for.
Checking, savings and time deposits held with a bank outside the U.S.
Brokerage accounts, mutual funds and other securities held abroad.
Life insurance or annuity policies abroad that have a cash value.
Accounts you can move money from, even when the money is not yours.
Your FBAR
The Blugency Promise, three commitments with every FBAR.
The $99 covers all of your accounts, however many there are.
If FinCEN rejects a report we prepared, we correct it and file it again at no cost.
Your report and its receipt stay in your dashboard for the five years you must keep them.
Any U.S. person whose foreign accounts added up to more than $10,000 at some point in the year. That includes U.S. citizens, green card holders and U.S. residents, and companies formed in the U.S., such as LLCs, corporations and partnerships.
Yes, when the LLC itself holds accounts in other countries above the $10,000 total. It files as a U.S. company, even though the IRS disregards it for income tax. An owner who is not a U.S. person files nothing for their own accounts at home.
Take the highest balance each account reached during the year and convert it to dollars at the Treasury's year end rate, then add them up. Once the total passes $10,000, every account goes on the report, even the small ones.
April 15 for the year before, with an automatic extension to October 15. You do not need to request the extra time.
No. It reports your accounts and is not a tax return. Interest and gains from those accounts still go on your income tax return.
File the missed years now. If the income from those accounts was reported and taxed on your returns, and the IRS has not opened an exam or asked you for those years' returns, late FBARs filed with a statement explaining the delay bring no penalty. We write that statement for every earlier year at no extra cost.
If a missed FBAR was not on purpose, the penalty can reach $16,536 for each year's report. If it was willful, it can reach $165,353 or half of the account balance, whichever is more.
No. Form 8938 goes to the IRS inside your yearly tax filing and starts at higher totals, such as $50,000 at year end for a single person living in the U.S. Many people need both, but the FBAR starts at $10,000.
Yes, in full. Every U.S. owner of a joint account reports its whole balance, not just their share.
Within 10 business days once your account details are complete. Your dashboard shows each step, up to the filing receipt.
What else you can file with us, all in one dashboard.
Personal Tax Return
Your own federal and state return, from the U.S. or abroad.
Business Tax Return
Every federal and state return your company owes, prepared and filed for you.
When legal mail needs a U.S. address
A U.S. address that receives state and legal mail in every state, scanned to your dashboard.
Guides written from real filings, for anyone with accounts abroad.
One price for all of them, with missed years covered too.
