How to Get an Identity Protection PIN and Why You Need One
Secure your tax information with an Identity Protection PIN. Learn how to obtain, use, and renew your PIN for enhanced security.
Identity theft poses a significant threat to taxpayers, with fraudulent tax returns and unauthorized access to personal financial information on the rise. To address this issue, the IRS provides an Identity Protection PIN (IP PIN), an additional layer of security for individuals filing taxes.
The IP PIN protects your sensitive data from cybercriminals, ensuring that only you can file a tax return using your Social Security Number or Individual Taxpayer Identification Number. Understanding how to obtain and use an IP PIN effectively can enhance your financial security during tax season.
Eligibility Criteria
The Identity Protection PIN (IP PIN) program, initially designed for identity theft victims, now includes a broader range of taxpayers. Starting in 2025, anyone who can verify their identity is eligible to apply for an IP PIN, reflecting the IRS’s commitment to combating tax fraud.
To qualify, applicants must have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) and complete an identity verification process through the IRS online portal. This requires answering questions based on financial history, such as credit card or mortgage details. Successful verification is necessary to receive an IP PIN.
For those unable or unwilling to verify their identity online, Form 15227 provides a paper-based alternative. This form initiates a manual verification process, which may include a phone interview or an in-person visit to an IRS office. This ensures access to an IP PIN regardless of digital access or preference.
Requesting the PIN
Securing an IP PIN is a straightforward process through the IRS’s “Get an IP PIN” tool on its official website. Applicants provide personal information, including their SSN or ITIN, to begin the verification process. After successful verification, a unique six-digit PIN is generated, ready for immediate use in filing federal tax returns.
The online system uses a robust identity verification mechanism, requiring details from recent tax filings or financial transactions. For those unable to verify online, Form 15227 offers a paper-based method. This alternative involves manual verification steps, such as phone interviews or in-person visits, ensuring access for all taxpayers.
Using the PIN
Once issued, the IP PIN must be included in your tax return. This unique identifier confirms the authenticity of your filing and prevents unauthorized submissions. Whether filing electronically or on paper, the six-digit PIN must be entered in the designated section to ensure proper processing.
Most tax preparation software includes prompts to input the IP PIN, streamlining the process. If filing a paper return, write the PIN carefully in the specified space to avoid errors or delays. Only share your PIN with trusted tax professionals, as they need it to file on your behalf. Be cautious—requests for your PIN via phone, email, or text are fraudulent, as the IRS does not solicit this information.
Lost or Stolen PIN
Losing your IP PIN can expose you to potential security risks. The IRS has established procedures to assist taxpayers in retrieving or replacing their PINs to maintain protection against fraud.
To retrieve a lost IP PIN, log into your IRS account and verify your identity. For those without online access, contacting the IRS by phone is an alternative, though it may involve additional verification steps. These measures ensure that only authorized individuals can access or replace the PIN.
Annual Renewal
The IP PIN is issued annually, with a new six-digit PIN generated for each tax year. This ensures the PIN remains secure and reduces the risk of compromise. Taxpayers enrolled in the program receive their updated PIN automatically, typically in December or early January.
Taxpayers who registered online can access their new PIN via their IRS account, ensuring timely incorporation into their tax filings. Those who applied through Form 15227 or manual verification will receive their renewed PIN by mail via CP01A Notices. Keeping your contact information current with the IRS is essential to avoid complications.
Using an outdated or previous year’s PIN can result in processing delays or rejection of your return. If your new PIN has not arrived by mid-January, contact the IRS promptly to resolve the issue. Safeguarding your renewed PIN each year is critical for a smooth tax filing process.