

When entering or exiting the USA, the rule is that cash or financial instruments need to be declared above $10,000, but you can bring as much as you want. So bringing a literal suit case of Swiss francs worth $5 million USD is perfectly fine, provided you tell the customs agent.
While I can’t really advise going to the USA right now, it’s not like they will confiscate cash above $10,000. The particular phrase used in most places is “freedom of capital”, meaning that money can flow into or out of the country without significant impediment. The entire USA financial sector relies upon freedom of capital, whether that’s electronically or – if need be – with bundles of cash.
Declaring cash helps prevent money laundering, since people intending to secretly move money would not want to declare to customs. The threshold is intentionally set so that normal people going on holiday with cash or travelers checks (yes, I’m aware it’s 2026) won’t be burdened by the rule.


Civil forfeiture and DEA is a separate problem unto itself, and you’ve always hit on the key points: DEA operates within the country, whereas customs is at port of entries. DEA’s corruption and geographic reach mean they have caused far more problems than any customs agent, in pursuit of a 1990s zeal that “drugs are bad” and expanding that into a parallel law enforcement system, despite already having a federal law enforcement department: the FBI. Civil forfeiture should be abolished as unconstitutional, violating due process, equal protection, and property law.
So yes, once you’re in the country, there is a risk to carry around large sums of cash. But that’s hardly connected to the customs declaration requirement, and certainly cannot be connected to the declaration requirement on the way out.