The EU and U.S. cash declaration thresholds at the border

Read the equality wording carefully

The European Commission uses EUR 10,000 or more for accompanied cash crossing the EU’s external border. FinCEN uses an aggregate amount exceeding USD 10,000 for the U.S. reporting rule. The threshold is evaluated in the applicable reporting currency. Source 1 Source 2

Use the official definition of each instrument

EU rules include currency, specified bearer instruments and certain gold meeting the listed purity thresholds. FinCEN’s instructions define the U.S. currency and monetary instruments covered by Form 105. The coverage must be checked separately for each jurisdiction. Source 1 Source 2

Use the declaration for the border you are crossing

The EU uses a harmonized form available through the country where you enter or leave. The U.S. uses FinCEN Form 105 for covered international transportation. Consult the relevant authority about how to present your declaration. Source 1 Source 2

A shipment can use a separate disclosure process

The European Commission describes an unaccompanied cash disclosure for covered cash sent by post, freight or courier. If customs requests that disclosure, the named recipient, sender or representative has 30 days. The U.S. form separately describes international transportation and shipment reporting. Source 1 Source 2

Sources

• European Commission EU Cash Controls
• FinCEN Form 105 and instructions