The Ultimate Guide to the IRS IP PIN: Your Best Defense Against Tax Identity Theft

Tax season is stressful enough without the added fear of identity theft. Every year, cybercriminals work overtime to steal personal information and file fraudulent tax returns to claim stolen refunds.

Fortunately, the IRS offers a highly effective, free tool to help you lock down your tax account: The Identity Protection Personal Identification Number (IP PIN).

Whether you’ve been a victim of identity theft in the past or just want to be proactive, here is everything you need to know about the IP PIN and how to get yours.

What Exactly is an IP PIN?

An IP PIN is a unique, six-digit number known only to you and the IRS. Its primary purpose is to verify your identity when you file your federal tax return.

Think of it as an extra layer of security for your tax account. Even if a thief manages to steal your Social Security Number (SSN) and tries to file a fake return in your name, the IRS will reject it because they won’t have your secret IP PIN.

Who Can Get an IP PIN?

The IP PIN program is widely accessible. Anyone with a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) can request one, including U.S. taxpayers living abroad.

Note: You don’t even have to be required to file a tax return to get one! Getting an IP PIN is a great way to protect your SSN and your IRS account from fraudsters year-round.

5 Golden Rules of the IP PIN

Before you request your IP PIN, it’s crucial to understand how it works. Misusing or misunderstanding your IP PIN can lead to delayed refunds or rejected returns. Keep these rules in mind:

  1. It changes every year. A new IP PIN is issued annually for added security. If you get your PIN online, you will need to retrieve your new number every year starting in mid-to-late January.
  2. Use it on EVERYTHING. If you receive an IP PIN, you must include it on all federal tax returns you file during the year. This includes prior-year returns and amended returns.
  3. Your tax pro can’t get it for you. Tax professionals cannot request an IP PIN on your behalf. However, once you have it, you can provide the number to your tax preparer so they can use it when filing your return.
  4. You must verify your identity. To prevent fraud, the IRS requires you to pass a strict identity verification process before issuing an IP PIN.
  5. Beware of scams! The IRS will never call, email, text, or message you through social media to request your IP PIN. If someone asks for it, it’s a scam.

How to Get Your IP PIN

There are three main ways to request an IP PIN, depending on your situation and income level.

1. The Fastest Way: Online via an IRS Account

The quickest and easiest method is through an IRS Individual Account.

  • Simply sign in to your account and select the “IP PIN” option under your profile.
  • If you don’t have an account yet, you will need to complete the online identity verification process first. Once verified, you can access your PIN immediately.

2. By Mail: Form 15227

If you cannot verify your identity online, you may still be able to apply by mail. You are eligible to submit Form 15227 (Application for an Identity Protection Personal Identification Number) if your Adjusted Gross Income (AGI) is below:

  • $84,000 for single filers
  • $168,000 for married filing jointly

3. In-Person: Taxpayer Assistance Center

If you cannot verify your identity online or by phone, are not eligible to use Form 15227, or are experiencing technical issues, you can get help face-to-face. Simply make an appointment at a local IRS Taxpayer Assistance Center to complete the identity verification process in person.

Don’t Wait Until Tax Season

Identity theft doesn’t take a break, and neither should your personal security measures. Setting up an IP PIN takes just a few minutes but provides 365 days of peace of mind.

Ready to protect your tax identity? Head over to IRS.gov, create your IRS Individual Account, and request your IP PIN today.