Can I Travel With Over $10,000 in the USA? Complete 2025 Guide

Planning to travel to the United States with a large sum of cash can feel stressful. Whether you’re a business traveler, an international student, or simply moving money for personal reasons, it’s essential to understand U.S. customs rules, reporting requirements, and safety tips. In 2025, these rules remain strict: failing to declare large amounts of money can lead to serious fines, seizure, or even criminal charges.

This guide answers the most common questions about traveling with over $10,000 in the U.S., how to declare it properly, and how to protect your money while staying compliant.

Understanding U.S. Customs Rules for Large Amounts of Cash

The United States enforces strict rules regarding the amount of cash or monetary instruments travelers can bring into the country. According to the U.S. Customs and Border Protection (CBP):

Any amount over $10,000 USD must be declared when entering or leaving the country.

The rule applies to cash, traveler's checks, money orders, cashier’s checks, and other negotiable instruments.

This applies to both U.S. citizens and foreign visitors.

The purpose of this rule is to prevent money laundering, tax evasion, and illegal activities. It’s not illegal to carry more than $10,000—it’s illegal to fail to declare it.

How to Declare Cash Over $10,000

Declaring large amounts of money is straightforward if you know the process. When entering the U.S.:

Fill Out the CBP Form 6059B
This is the standard customs declaration form you complete before arriving. It asks whether you’re carrying over $10,000 in currency or monetary instruments. Check “Yes” if applicable.

Complete FinCEN Form 105
If you’re carrying more than $10,000, you must also submit FinCEN Form 105 (Report of International Transportation of Currency or Monetary Instruments).

Available online at the FinCEN website
.

Submit it at the port of entry to a CBP officer.

Present Your Cash and Forms to a CBP Officer
During inspection, a CBP officer may ask you questions about the source of the money, the purpose of your travel, and how the funds will be used.

Tip: Keep proof of where the money came from—bank statements, wire transfer confirmations, or withdrawal receipts. This speeds up the process and reduces the risk of complications.

Penalties for Failing to Declare Over $10,000

The U.S. takes non-declaration seriously. Failing to declare amounts over $10,000 can result in:

Seizure of the money: CBP can temporarily or permanently confiscate undeclared funds.

Civil penalties: Fines can reach up to 50% of the amount you’re carrying.

Criminal charges: In cases of intentional concealment or suspected illegal activity, penalties can include arrest and prosecution.

Even if you accidentally forget to declare cash, CBP has discretion to return funds once you cooperate, but the risk of fines is high. It’s always better to declare and be transparent.

Tips for Safely Traveling With Large Sums of Cash

Carrying large amounts of money comes with practical risks. Here’s how to stay safe while complying with U.S. rules:

Split Your Money
Carry some cash in your wallet, some in a secure travel pouch, and leave some with a trusted companion.

Use a Money Belt or Neck Pouch
Keep cash close to your body, especially in crowded airports or bus stations.

Don’t Draw Attention
Avoid displaying cash in public or during travel checkpoints.

Keep Documentation Handy
Always carry withdrawal receipts, bank statements, or other proof of funds.

Consider Alternative Methods
Large sums can be moved safely through:

Wire transfers: Secure and direct from bank to bank.

Prepaid travel cards: Accepted worldwide and safer than cash.

Traveler’s checks: Less common today, but still a valid option.

Airlines and Cash Transport

If flying into the U.S., most major airlines allow passengers to carry large sums of cash, but there are a few practical tips:

Check with your airline for any restrictions or special requirements.

Keep cash in carry-on luggage, not checked baggage. Lost checked luggage can complicate declaration if the money is seized or misplaced.

Be prepared for additional screening at security checkpoints, especially if carrying very large amounts.

Travel Insurance and Large Cash

Most standard travel insurance policies do not cover cash carried during travel. If you’re carrying significant amounts:

Look for specific policies or riders that protect cash and valuables.

Keep receipts and documentation to file claims if cash is lost due to theft or accidental loss.

How Banks Can Help

If you’re bringing large sums of money into the U.S., coordinating with your bank can make your trip smoother:

Wire Money in Advance
Banks can transfer funds directly to U.S. accounts. This avoids the need to carry cash and still gives you access to money immediately upon arrival.

Request Cash in Small Denominations
If you need cash on arrival, request smaller bills. Large denominations can raise suspicions or complicate local spending.

Notify Your Bank
Inform your bank you’ll be carrying or accessing large amounts. This prevents flags for suspicious activity or account freezes.

Crossing Borders From the U.S. With Cash

Remember, the same rules apply when leaving the U.S.:

Any cash or monetary instruments over $10,000 must be declared to CBP when departing.

FinCEN Form 105 is also required.

Failure to declare can result in seizure, fines, or criminal penalties, just like entering the country.

Frequently Asked Questions

Can I travel with $20,000 or more?
Yes, you can, as long as you declare the total amount on FinCEN Form 105 and CBP customs forms.

Do travelers’ checks count toward the $10,000 limit?
Yes. Any negotiable monetary instruments, including travelers’ checks, money orders, and cashier’s checks, are counted.

What happens if my bag with cash is lost?
If cash is lost during travel and wasn’t declared, CBP may treat it as unreported. Always keep cash on your person and declare any amount over $10,000.

Are there exemptions for gifts or personal transfers?
No. The $10,000 reporting threshold applies regardless of purpose—personal, business, or gift. Always declare amounts over the limit.

Alternatives to Carrying Large Sums

Carrying cash isn’t always necessary. Consider these alternatives:

Wire Transfers: Safe, instant, and traceable.

Prepaid Travel Cards: Can hold large sums without raising customs issues.

Bank Drafts or Checks: Less convenient, but secure for certain transactions.

Local Bank Account: Open a U.S. account ahead of time if you’re staying for an extended period.

Real-Life Tips From Travelers

“I always declare my cash, even just over $10,000. It’s easier than dealing with seizure.” – Maria, Business Traveler

“Wire transfers are a lifesaver. Less risk and you avoid the hassle at customs.” – Jamal, Student from Canada

“Always keep receipts and proof of funds with you—it made the inspection smooth and stress-free.” – Elena, Entrepreneur

Final Thoughts

Traveling to the United States with more than $10,000 in cash is entirely legal, as long as you follow proper declaration procedures. Complete the CBP and FinCEN forms, carry documentation, and keep your money secure. Avoid shortcuts or trying to hide funds—penalties are severe.

By planning ahead and understanding the rules, you can carry large sums safely, comply with U.S. law, and enjoy your trip without unnecessary stress.