Getting your IRS Identity Protection Personal Identification Number (IP PIN) is a crucial step in safeguarding yourself against tax-related identity theft. It's a unique, six-digit number that helps the IRS verify your identity when you file your electronic or paper tax return. Think of it as an extra layer of security, like a second password for your taxes!
So, are you ready to take control of your tax security? Let's dive in!
Step 1: Understanding What an IP PIN Is and Why You Need It
First things first, why are we even talking about this "IP PIN" thing? Well, in today's digital world, identity theft is a real threat, and tax-related identity theft can be particularly nasty. Fraudsters can use your stolen Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) to file a fake tax return and claim a fraudulent refund. An IP PIN prevents this from happening by ensuring that only you can file a tax return with your SSN or ITIN.
- What it is: A six-digit number known only to you and the IRS.
- Why it's important: It adds a crucial layer of protection, preventing unauthorized individuals from filing tax returns in your name.
- Who needs it:
- Confirmed victims of tax-related identity theft: If the IRS has resolved your tax account issues related to identity theft, they will automatically mail you a new IP PIN each year.
- Anyone looking for proactive protection: You can opt-in to the IP PIN program even if you haven't been a victim of identity theft. This is highly recommended!
- Spouses and dependents: They can also get an IP PIN if they can pass the identity verification process.
Important Note: Once you obtain an IP PIN, you must use it when filing your federal tax return, whether electronic or paper, for the current year and all subsequent years. If you don't include it or use an incorrect one, your e-filed return will be rejected, and a paper return will be delayed.
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| How To Get My Irs Pin Number |
Step 2: Choosing Your Method for Obtaining an IP PIN
The IRS offers a few ways to get your IP PIN. The fastest and most convenient method is usually online, but alternatives are available if you can't go that route.
Sub-heading: Option A: The Fastest Way – Online (Highly Recommended!)
This is the preferred method for most taxpayers as you can often receive your IP PIN immediately.
QuickTip: Slow down if the pace feels too fast.
Step 2a: Access the IRS Get an IP PIN Tool
- Go directly to the IRS website: www.irs.gov/getanippin.
- Look for the "Get an IP PIN" button or link.
Step 2b: Create or Log in to Your IRS Online Account
- If you already have an IRS Online Account, simply log in using your existing credentials.
- If you don't have an account: You will need to create one. This involves a rigorous identity verification process, often through a third-party service like ID.me. Be prepared to:
- Provide your email address.
- Have your Social Security Number (SSN) ready.
- Possess a valid government-issued photo ID (e.g., driver's license, state ID, passport). You might need to upload images of this ID and potentially take a video selfie for verification.
- Potentially provide financial account numbers linked to your name (e.g., last 8 digits of a credit card, student loan, mortgage, auto loan). Note: Debit cards or corporate cards are usually not accepted.
- Have access to a mobile phone linked to your name for receiving a confirmation code, or be prepared to receive an activation code by mail if a phone isn't an option.
- Be patient during this verification process. It's designed to be secure, so it might take a few minutes.
Step 2c: Retrieve Your IP PIN
- Once you've successfully logged into your IRS Online Account and your identity is verified, navigate to your "Profile" page.
- You should see a section titled "Get an IP PIN" or similar. Your current IP PIN will be displayed there.
Important Consideration: If you opt-in online, you will not receive a CP01A Notice (the physical letter with your IP PIN) in the mail in subsequent years. You will need to log in to your IRS Online Account each year to retrieve your new IP PIN.
Sub-heading: Option B: Alternatives to Online Enrollment (If Online Fails or Isn't Possible)
If you're unable to verify your identity online or prefer not to use the online system, there are other avenues, though they generally take longer.
QuickTip: Read section by section for better flow.
Step 2b-1: Request by Mail (Form 15227)
- This option is available if your Adjusted Gross Income (AGI) on your last filed return is below certain thresholds (which can change annually – currently around $84,000 for individuals or $168,000 for married filing joint).
- Obtain Form 15227, Application for an Identity Protection Personal Identification Number. You can download it from the IRS website (irs.gov) or order it by mail.
- Fill out the form completely and accurately.
- Mail or fax the completed form to the IRS. The address/fax number will be in the form instructions.
- Be prepared for a phone call. The IRS will call you at the telephone number provided on the form to validate your identity.
- Receive your IP PIN by mail. Once your identity is verified, your IP PIN will typically be mailed to you via U.S. Postal Service within four to six weeks. You will then receive your IP PIN annually through the mail.
Step 2b-2: In-Person Appointment at a Taxpayer Assistance Center (TAC)
- This is an option if you cannot verify your identity online or by phone using Form 15227, or if you are ineligible to file Form 15227.
- Schedule an appointment. You can use the IRS Taxpayer Assistance Locator tool or call 844-545-5640 to schedule an appointment at your nearest TAC.
- Bring required identification. You must bring:
- One current government-issued picture identification document.
- Another identification document to further prove your identity.
- Verify your identity. An IRS employee will verify your identity in person.
- Receive your IP PIN by mail. After successful verification, your IP PIN will be mailed to you within approximately three weeks. You will then receive your IP PIN annually through the mail.
Step 3: Using Your IP PIN When Filing Your Taxes
Once you have your IP PIN, using it correctly is vital.
Sub-heading: For Electronic Filing
- When using tax software or working with a tax professional, the software or professional will prompt you to enter your six-digit IP PIN.
- Ensure you enter it accurately. If it's incorrect or missing, your e-filed return will be rejected.
- Every taxpayer on the return who has an IP PIN must have it entered. This includes your IP PIN, your spouse's (if filing jointly), and any dependents who have been issued an IP PIN.
Sub-heading: For Paper Filing
- If you're filing a paper tax return, you'll generally write your six-digit IP PIN on the Form 1040 (or 1040-NR, 1040-PR, 1040-SR, 1040-SS), usually next to your signature line.
- Confirm the exact placement with your tax form instructions as it can vary slightly.
Critical Reminder: Your IP PIN is valid for one calendar year. You will receive a new one each year (either by mail via CP01A Notice if you applied via mail/in-person, or you'll retrieve it from your IRS Online Account if you opted in online).
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Step 4: Safeguarding Your IP PIN
Your IP PIN is a sensitive piece of information, much like your SSN. Treat it with the utmost care.
Tip: Read once for gist, twice for details.
- Do not share it with anyone except the IRS or your trusted tax preparation provider. The IRS will never call, email, or text you to request your IP PIN. Any such request is a scam.
- Store it securely. Don't write it on easily accessible notes or in unsecured digital files.
- Be wary of phishing attempts. Always verify the legitimacy of any communication claiming to be from the IRS, especially if it asks for personal information.
Step 5: What to Do If You Lose or Don't Receive Your IP PIN
Don't panic if your IP PIN goes missing! There are ways to retrieve it.
- For online opt-in users: Log in to your IRS Online Account. Your current year's IP PIN will be available on your "Profile" page.
- For those who typically receive it by mail (CP01A Notice):
- You can still try to retrieve it through your IRS Online Account as described in Step 2a. This is often the quickest way.
- If you can't access it online, you can call the IRS Identity Protection Specialized Assistance (IPSA) Unit at 800-908-4490 (Monday-Friday, 7 a.m. to 7 p.m. local time). Be prepared to verify your identity. If successful, your IP PIN will be mailed to your address on file within 21 days.
- Do NOT file Form 15227 to apply for a new IP PIN if you've simply lost an existing one. That form is for initial applications.
Note for Dependent IP PINs: Minor dependent IP PINs generally cannot be retrieved online. You will need to call the IPSA Unit at 800-908-4490 for assistance.
10 Related FAQ Questions
Here are some common questions about IRS IP PINs:
How to get an IP PIN for the first time?
The fastest way is through the IRS "Get an IP PIN" online tool at www.irs.gov/getanippin, which requires creating or logging into an IRS Online Account and verifying your identity. Alternatively, you can submit Form 15227 by mail (if eligible by income) or schedule an in-person appointment at a Taxpayer Assistance Center.
How to retrieve a lost IRS IP PIN?
If you opted in online, simply log into your IRS Online Account, and your current IP PIN will be on your profile page. If you typically receive a CP01A notice by mail, you can still try the online method, or call the IRS Identity Protection Specialized Assistance (IPSA) Unit at 800-908-4490 to have it reissued by mail.
QuickTip: A careful read saves time later.
How to use my IP PIN when filing taxes?
When e-filing, your tax software will prompt you to enter the six-digit IP PIN. If paper filing, you generally write the IP PIN on your Form 1040 (or relevant form) near your signature line. Ensure all individuals on the return who have an IP PIN (you, spouse, dependents) have their respective PINs entered.
How to get an IP PIN for my dependent?
Dependents with an SSN or ITIN are eligible if they can pass the identity verification process. A parent or guardian can typically obtain a dependent's IP PIN by submitting Form 15227 or by scheduling an in-person appointment at a Taxpayer Assistance Center. Dependent IP PINs generally cannot be retrieved online.
How to find my IP PIN if I didn't receive the CP01A notice?
First, try retrieving it through your IRS Online Account. If you don't have an account, or the IP PIN isn't available there, contact the IRS Identity Protection Specialized Assistance (IPSA) Unit at 800-908-4490 to have it reissued.
How to know if I need an IP PIN?
You need an IP PIN if you were a confirmed victim of tax-related identity theft and the IRS has resolved your case (they will automatically issue one). You can also choose to get one proactively as an extra security measure against identity theft. It's highly recommended for everyone.
How to opt-in to the IP PIN program?
The easiest way to opt-in is by using the IRS "Get an IP PIN" online tool at www.irs.gov/getanippin. This requires identity verification through an IRS Online Account, often facilitated by ID.me.
How to keep my IP PIN secure?
Treat your IP PIN like your Social Security Number. Never share it with anyone except the IRS or your trusted tax preparer. The IRS will never call, email, or text you to ask for your IP PIN. Store it in a safe and private place.
How to get a new IP PIN each year?
If you initially obtained your IP PIN by mail (Form 15227 or TAC visit), the IRS will automatically mail you a new CP01A Notice with your new IP PIN each year in late December or early January. If you opted in online, you will need to log into your IRS Online Account annually to retrieve your new IP PIN starting in mid-January.
How to handle an IP PIN rejection when e-filing?
If your e-filed return is rejected due to an incorrect or missing IP PIN, you will receive an error message. Double-check the IP PIN you are entering. Ensure you are using the correct IP PIN for the current tax year. If you can't find it, retrieve it using your IRS Online Account or by calling the IPSA Unit, then re-submit your return with the correct PIN.
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