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Many thanks. Yeah, I will not deal it with cash. Definitely by bank transfer. Let us make it simple.

 

1. So, if I transfer my money by bank to my non-US citizen spouse less than 175,000 USD per year, I do not need to report anything to IRS or do anything to anyone. If I transfer more than 175,000 in 2023, I have to report it to IRS. 

2. BTW, if I transfer my money from my account to another account, such as from bank A to bank B, or from checking to CD account.  I assume there are no limit and I do not need to report anything. 

Can you please confirm it is correct or not?