IRS Identity Protection PINs – Did You Know?

Beginning in 2021, the IRS now offers IP PINs to all interested taxpayers. Unlike a Social Security Number (SSN), this unique code is known only to the taxpayer and the IRS. Having an IP PIN helps to protect you against others filing fraudulent returns in your name, along with other forms of tax-related identity theft.

If you choose to obtain an IP PIN, you will need to include it on all electronic and paper IRS forms filed in 2021, including your 2020 federal tax return. Thereafter, you will receive a new IP PIN each year by mail. Although there is currently no way to opt out of the program once you have registered and received a PIN, the IRS plans to allow opt-outs beginning with tax year 2022.

The easiest way to apply for an IP PIN is to use the Get an IP PIN tool at http://www.IRS.gov/IPPIN. You will need to verify your identity by providing your legal name, birthdate, federal tax filing status, mailing address, and SSN or Individual Taxpayer Identification Number (ITIN). You will also need a financial account other than a checking or savings account, such as a major credit card, student loan, auto loan, mortgage, or home equity loan. If you have a mobile phone, you can request an activation code to receive your IP PIN instantly. Otherwise, the IRS will mail you the code you need to complete your registration and get your PIN.

If you cannot complete the online verification process but your adjusted gross income (AGI) is $72,000 or less, you may file Form 15227 (Application for an IP PIN) by mailing or faxing it to the IRS. You can then use your most recent tax return to complete the verification process over the phone with an IRS agent. Otherwise, you can apply for an IP PIN in person by making an appointment at an official IRS Taxpayer Assistance Center.