IRS · Official form

Schedule B, Interest and Ordinary Dividends

Schedule B itemizes your interest and ordinary dividends when either passes $1,500 in a year, and asks the foreign accounts questions in Part III. It attaches to your Form 1040.

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What is Schedule B (Form 1040)?

Schedule B lists each payer of interest (Part I) and ordinary dividends (Part II) with the amount received, then totals them onto the matching 1040 lines. Part III asks whether you held foreign financial accounts or received foreign trust distributions, questions that decide whether you must also file an FBAR.

Below $1,500 in each category you normally skip the schedule and report totals directly on the 1040, unless a Part III situation applies.

Who files Schedule B (Form 1040)?

Anyone with over $1,500 of taxable interest in the year
Anyone with over $1,500 of ordinary dividends
People with foreign accounts or foreign trusts, regardless of amounts
Recipients of seller-financed mortgage interest

How to fill out Schedule B (Form 1040)

List each payer from your 1099-INT forms in Part I with the exact amounts.
List each payer from your 1099-DIV forms in Part II.
Answer the foreign accounts and trusts questions in Part III.
Download the PDF and attach it to your Form 1040.

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Page 1 72 fields

Name(s) shown on return

Your social security number

1. List name of payer. If any interest is from a seller-financed mortgage and the buyer used the property as a personal residence, see the

1. Amount. Line 1 of 14.

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2. Add the amounts on line 1.

3. Excludable interest on series E E and I U.S. savings bonds issued after 1989. Attach Form 8815.

4. Subtract line 3 from line 2. Enter the result here and on Form 1040 or 1040-S R, line 2b. Note: If line 4 is over $1,500, you must

List name of payer:

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6. Add the amounts on line 5. Enter the total here and on Form 1040 or 1040-S R, line 3b. Note: If line 6 is over $1,500, you must complete

7a. At any time during 2025, did you have a financial interest in or signature authority over a financial account (such as a bank account,

7a. No.

7a. If “Yes," are you required to file F i n C E N Form 114, Report of Foreign Bank and Financial Accounts (F B A R), to report that

7a. No.

7b. If you are required to file F i n C E N Form 114, list the name(s) of the foreign country(-ies) where the financial account(s) is (are)

7b. Line 2 of 2.

8. During 2025, did you receive a distribution from, or were you the grantor of, or transferor to, a foreign trust? If “Yes,” you may have

8. No.

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Frequently asked questions

My interest was $1,600 but from one bank. Do I still need Schedule B?

Yes. The $1,500 trigger is about the total, not the number of payers.

What if I answer yes to the foreign account question?

You may need to file FinCEN Form 114 (the FBAR) separately online if your foreign accounts exceeded $10,000 at any point in the year.

Schedule B, Interest and Ordinary Dividends

What is Schedule B (Form 1040)?

Who files Schedule B (Form 1040)?

How to fill out Schedule B (Form 1040)

Quick fill Schedule B (Form 1040) on this page

Frequently asked questions

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Form 1040, US Individual Income Tax Return

Schedule C, Profit or Loss From Business

Form W-9, Request for Taxpayer Identification Number