When it comes to tax season, identity theft is more than just a headache—it can lead to costly delays, financial losses, and years of frustration. Fortunately, the IRS has a powerful tool to help protect taxpayers: the Identity Protection PIN, or IP PIN.
Whether you're an individual filing your own return, a business owner, or a retiree with investment income, safeguarding your financial identity should be a top priority. Here's what you need to know about how an IP PIN can help—and how to get one.
What Is an IP PIN?
An IP PIN is a six-digit number that adds an extra layer of security to your tax return. It’s known only to you and the IRS, and it's required when filing your federal tax return if you've opted into the program. Think of it as a password for your tax filing—without it, a return can’t be submitted under your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Why You Should Consider Getting One
While the IP PIN program is voluntary, it’s strongly encouraged—especially for those who have experienced identity theft or are simply proactive about security. Here’s why it matters:
- Stops tax-related identity theft: If a fraudster tries to file a return using your SSN, they won’t be able to submit it without your IP PIN.
- Works even if you’re not required to file: Even if you don’t need to file a return this year, your IP PIN helps keep your IRS records safe.
- Renews annually: Each year, a new PIN is generated for added protection.
Who Can Get an IP PIN?
Good news: anyone with a valid SSN or ITIN can request an IP PIN, including those living abroad. However, your identity must be successfully verified with the IRS.
Note for tax clients: Your CPA or financial advisor can’t request the IP PIN for you, but they can help guide you through the process or use it when filing your return (with your permission).
How to Get an IP PIN
The fastest and easiest way is through your IRS Online Account. Here's how to do it:
- Log in to your IRS Online Account.
- Navigate to the “Profile” section.
- Use the “Get an IP PIN” tool to complete identity verification and receive your PIN instantly.
Pro tip: Before registering, review the IRS identity verification requirements so you’re prepared with the correct documentation.
What If You Can’t Validate Your Identity Online?
Not everyone is able to verify their identity through the online system. In that case:
If your income is below $84,000 (individual) or $168,000 (married filing jointly), you can apply using Form 15227.
If you’re unable to use either option, you can make an in-person appointment at a local Taxpayer Assistance Center.
Key Reminders
- The IRS will never call, text, or email you to ask for your IP PIN.
- Keep your IP PIN in a safe place and don’t share it unless you’re working with a trusted tax professional.
- Your IP PIN must be used on any federal tax returns you file during the year—including prior year or amended returns.
Resources to Learn More
Final Thoughts for Our Clients
As financial and tax professionals, we encourage all of our clients to be proactive when it comes to protecting their personal and financial data. The IP PIN is a simple but highly effective step toward preventing identity theft—and preserving your peace of mind.
If you have questions about setting up an IRS Online Account or want help navigating the process, don’t hesitate to reach out. We’re here to guide you every step of the way.