Fill out Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business) online
Form 8300 is used to report cash payments exceeding $10,000 received in a trade or business transaction. The form is a key tool in anti-money laundering enforcement and helps the IRS and the Financial Crimes Enforcement Network (FinCEN) detect suspicious financial activity.
How to fill out Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business)
Identify the individual paying in cash
Enter the name, address, taxpayer identification number, date of birth, and occupation of the person from whom the cash was received. If acting on behalf of another party, identify both the payer and the person on whose behalf the transaction was conducted.
Describe the transaction
Provide details about the transaction including the date, the total cash amount received, and the nature of the transaction (purchase of goods, services, or other). Indicate whether this is a single transaction or one of multiple related transactions.
Enter business information
Provide the name, address, employer identification number, and nature of the business that received the cash payment. Identify the person within the business who was authorized to receive the cash.
File and provide notice to the payer
Submit the completed form electronically or by mail within 15 days of receipt. You must also provide a written statement to each person identified on the form by January 31 of the year following the transaction, informing them that the report was filed.
About Form 8300 (Report of Cash Payments Over $10,000 Received in a Trade or Business)
Who needs this form
Any person or business that receives more than $10,000 in cash in a single transaction or in two or more related transactions. This applies to car dealers, real estate agents, jewelers, attorneys, and any other business that may receive large cash payments.
Where to submit
File with FinCEN electronically through the BSA E-Filing System, or mail to the IRS address in the form instructions. The form must be filed within 15 days after the date the cash payment exceeding $10,000 is received.
Source and content freshness
- Reviewed: 2026-02-24
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not filing within 15 days of receiving the cash payment, which can result in substantial penalties
- Failing to report related transactions that together exceed $10,000 within a 24-hour period
- Not understanding that "cash" includes cashier's checks, bank drafts, money orders, and traveler's checks in certain circumstances
- Forgetting to provide the required written statement to the person identified on the form by January 31 of the following year
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What counts as "cash" for Form 8300 reporting purposes?
For Form 8300, "cash" includes U.S. and foreign currency (coins and bills). It also includes cashier's checks, bank drafts, traveler's checks, and money orders with a face value of $10,000 or less, but only when these instruments are received in a designated reporting transaction (such as a retail sale of consumer durables, a collectible, or travel/entertainment) or when the recipient knows the instruments are being used to avoid reporting. Personal checks and wire transfers are generally not considered cash for Form 8300 purposes.
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