Am I FATCA/CRS Reportable?
Check your FATCA / CRS status online in 5 questions. This free FATCA lookup runs entirely in your browser and tells you whether FATCA or CRS applies to you, which self-certification form you'll need, and how your bank reports your account, all based on the current OECD and US Treasury source lists.
Your answers are used only to compute your result in this browser. If you continue to a consultation booking afterward, that's a separate, clearly-marked step, see our privacy policy for full details.
How This FATCA Lookup Works, Decision Logic & Sources
Source: OECD AEOI Status of Commitments · US Treasury FATCA IGA List · Refreshed quarterly, automated, no AI, no manual guessing
Determination logic
usPerson = citizenUS=yes OR greenCard=yes OR days183=yes
Step 2: US person branch (FATCA) — checked first, FATCA follows US-person status regardless of residency
IF usPerson = true:
entry = FATCA_IGA_LIST[accountCountry]
IF entry not found → branch = fatca_no_iga
ELSE IF entry.iga_model = "Model 1" → branch = fatca_model1 (bank → local tax authority → IRS)
ELSE → branch = fatca_model2 (bank → IRS, directly)
(if residency2 is also set, the dual-residency tie-breaker note is added — it affects the CRS side only, not this FATCA answer)
Step 3: non-US person, dual tax residency
ELSE IF residency2 is set AND residency2 ≠residency1 → branch = dual_residency (tie-breaker needed, not auto-resolved)
Step 4: non-US person branch (CRS)
ELSE:
resStatus = CRS_LIST[residency1].status
acctStatus = CRS_LIST[accountCountry].status
IF resStatus = "committed" AND acctStatus = "committed" → branch = crs_applies
ELSE → branch = not_reportable (this session's CRS list combination, domestic disclosure rules may still apply)
Deterministic lookup against the two source lists above, no estimation, no AI inference. Data is refreshed quarterly by an automated Cloudflare Worker (CRS list last updated , FATCA list last updated ); a hard sanity-check guardrail blocks any refresh that looks malformed, keeping the last known-good data live instead. Source documents, to verify directly: OECD AEOI commitments (PDF) · US Treasury FATCA resource center. You can also browse the full FATCA & CRS countries list for every jurisdiction's status.
Frequently Asked Questions
What makes an account FATCA reportable?
An account is FATCA reportable if the holder is a US person, a US citizen, a US green card holder, or someone who meets the IRS substantial presence test (183+ weighted days in the US), regardless of where the account is held. The bank then reports either through the account country's local tax authority (Model 1 IGA) or directly to the IRS (Model 2 IGA), depending on which agreement that country has with the US.
What makes an account CRS reportable?
An account is CRS reportable when both the account-holding country and the holder's tax-residency country are active participants in the OECD Common Reporting Standard exchange. The bank reports the account to its own country's tax authority, which then exchanges the information annually with the holder's tax-residency country.
What if I have tax residency in two different countries?
Dual tax residency requires a treaty tie-breaker test (permanent home, center of vital interests, habitual abode, applied in that order) to determine which country's reporting rules actually govern, this tool flags dual-residency cases rather than guessing, since the outcome is genuinely fact-specific and getting it wrong has real reporting consequences.
What's the difference between a Model 1 and Model 2 FATCA agreement?
Under a Model 1 intergovernmental agreement (IGA), your bank reports your account to your account country's own tax authority, which then forwards it to the IRS, most FATCA-partner countries use this model. Under a Model 2 IGA, the bank reports directly to the IRS instead, with no local tax-authority intermediary. Which model applies depends entirely on the account country, not on you.
What happens if I don't complete a FATCA/CRS self-certification form?
Banks are required to collect a valid self-certification before opening or maintaining a reportable account, refusing to complete it typically means the bank cannot open the account, or may be required to close an existing one and report it as "recalcitrant" under FATCA rules. It isn't an optional step once your account is determined to be reportable.
Does this tool store my answers?
No. Your answers are used only to compute your result in your own browser and are not sent to or stored on our servers. If you continue to a consultation booking afterward, that's a separate, clearly-marked step covered by our privacy policy.
Transparency & Methodology
Methodology & Sources
See the decision logic above for the exact source lists and refresh cadence used to compute your result.
Not Individualized Advice
This tool is general information, not individualized legal or tax advice. Edge cases (dual tax residency, unusual entity structures) should be confirmed with a qualified professional.
Licensing
COMMENCE OVERSEAS LIMITED, BVI FSC registration L8288 (Currently Regulated Entity), verify on the BVI FSC public register.