Diaspora Module
Your cross-border picture — accounts, assets, treaties, and the reports each one triggers.
FBAR: filing required for 2026
Your non-US accounts peaked at a combined $18,940.00 — above the $10,000 FinCEN threshold. Deadline 15 April 2027 (auto-extension to 15 October). FATCA Form 8938 is not triggered at your level.
Foreign accounts
Chase Checking (US)
$6,420.00
2026 peak: $11,800.00
GTBank Savings (NG)
$2,150.00
2026 peak: $4,900.00
Wise Multi-currency
$1,310.00
2026 peak: $2,240.00
Foreign assets & income
Lekki apartment (rental)
Foreign property (from US view)₦6.0m annual rent — taxable in Nigeria, reportable on US return with foreign tax credit
Stanbic IBTC pension (RSA)
Foreign pensionGrowth generally deferred in Nigeria; US treatment depends on treaty position — flagged for review
NGX equities portfolio
Foreign assetsDividends carry 10% Nigerian WHT — creditable in the US
Tax Treaty Checker — Nigeria ↔ United States
No comprehensive income tax treaty is in force between Nigeria and the US. Double taxation is managed through foreign tax credits on both sides: Nigerian WHT on your dividends and rental income credits against US tax (Form 1116), and Nigeria grants unilateral relief under the Nigeria Tax Act 2025. Your estimated double-taxation exposure this year: ₦0 — all ₦612,000 of Nigerian tax on foreign-visible income is creditable.
Ask the AI about your treaty positionSending money home?
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