The IRS explicitly does not send FBAR reminders by email. If you forget, the penalty starts at $16,536 per violation. Set a recurring email reminder once and stop relying on memory for a filing that costs nothing to do on time.
Done in seconds. No sign-up required.
FinCEN Form 114 takes 30 minutes. Missing it can cost five figures.
maximum non-willful FBAR penalty, per report, per year
31 USC 5321(a)(5), indexed annually
or 50% of the account balance (whichever is greater) per willful violation, per year
FinCEN penalty schedule
aggregate foreign account threshold that triggers your filing obligation
31 CFR 1010.350
FBAR is not part of your tax return. It is a separate filing to FinCEN, not the IRS, submitted through a different e-filing system. Your tax software may not even mention it. Your CPA may not handle it. There is no automatic prompt anywhere in your financial life telling you it is due.
The deadline shares April 15 with Tax Day, which sounds helpful but actually makes things worse. The day you are most overwhelmed with tax paperwork is the day FBAR is due. If you file your 1040 and breathe out, the FBAR can slip past unnoticed. The automatic October 15 extension gives you another six months, but most filers do not even realize that extension exists.
And then there is the gap. Twelve months between filings. Whatever system you used last year — a sticky note, a calendar event, your own memory — has to survive a full year without you forgetting why it is there. That rarely happens.
A recurring email reminder takes FBAR off your mental load. You enter the date, your email, and the form description. Every April you get a sequence of emails before the deadline, plus follow-ups if you do not mark it done. Nothing to install, no password to remember, no app that gets deleted next time you switch phones.
Enter your email, pick April 15, mark it as yearly. Takes 30 seconds. We confirm immediately and store nothing else.
Emails arrive 7, 3, and 1 day before April 15, then on the day itself. Each one links straight to the FinCEN BSA e-filing system.
If you do not click "I did it," follow-ups arrive that same evening and the next morning. Then it stops. Next year it fires again automatically.
The basics, with links to the full guides for each cluster of questions.
April 15 is the standard date. An automatic six-month extension to October 15 applies if you miss it, no request required. The filing covers the prior calendar year.
FBAR deadline 2026 →Penalty floor is $16,536 per non-willful violation. Willful violations go to $165,353 or 50% of the account, plus possible criminal charges. There are voluntary disclosure paths that often waive penalties.
Penalties and recovery →If you are a US person and your foreign financial accounts aggregated over $10,000 at any point in the year, you file. The rule applies to citizens, green card holders, and resident aliens.
Who must file FBAR →Everything else about FBAR — the deadline, the threshold, the penalties, and how to actually file.
No. The IRS states it will never initiate contact about FBAR by email. FinCEN also does not email individual filers. Any email claiming to be an FBAR reminder from the IRS is almost certainly a phishing attempt. The responsibility to remember the April 15 deadline sits entirely with you.
April 15, with an automatic extension to October 15 if you miss the April date. You do not need to request the extension. The FBAR for the prior calendar year is what you file each spring, so the FBAR due April 15, 2026 covers your 2025 foreign accounts.
No. The threshold is the aggregate maximum value of all your foreign financial accounts at any single point during the calendar year. If the combined maximum stayed under $10,000 every day of the year, you do not file. If it crossed $10,000 even once, even briefly, you do file.
Civil penalties run up to $16,536 per non-willful violation and the greater of $165,353 or 50% of the account balance per willful violation, per year. Willful cases can also carry criminal penalties of up to $250,000 in fines and five years in prison. Figures are indexed annually for inflation.
You set a date, enter your email, and get a confirmation immediately. Reminders fire 7, 3, and 1 day before April 15, then on the day itself. If you do not click "I did it" in the email, follow-ups arrive that same evening and the next morning. No account, no app, no app to forget to open.
Yes, and you should also look into the Delinquent FBAR Submission Procedure on the IRS website. The reminder protects you going forward. The streamlined procedure handles past years. Most taxpayers who voluntarily file delinquent FBARs and provide a reasonable cause statement face no penalty.
Set a free recurring FBAR reminder. We email you before April 15 every year and follow up until you mark it done. No account, no app, 30 seconds to set.
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