A foreigner has $11,000 and they are flying to the US. They claim it on FinCen 105. They show the form to the CBP agent. What happens next?

How much money do you have to declare at US Customs?

$10,000

International travelers entering the United States must declare if they are carrying currency or monetary instruments in a combined amount over $10,000 on their Customs Declaration Form (CBP Form 6059B) and then file a FinCEN Form 105.

How much money can you transfer from a foreign country to the US without paying taxes?

$10,000

Financial institutions and money transfer providers are obligated to report international transfers that exceed $10,000. You can learn more about the Bank Secrecy Act from the Office of the Comptroller of the Currency. Generally, they won’t report transactions valued below that threshold.