Identity theft in the tax world can feel like a nightmare. Imagine filing your return only to learn someone else has already used your Social Security number. That’s where the IRS identity protection PIN, better known as the IP PIN, comes in. This simple six-digit code is one of the best defenses against tax-related identity theft, and it’s available to any taxpayer who wants an extra layer of security.

If you haven’t considered getting one before, here’s what you need to know, how to apply and the best ways to keep it safe.

What is an IP PIN?

An IP PIN is a six-digit number that’s known only to you and the IRS. It’s used when you file your federal tax return to prove you’re the legitimate taxpayer connected to that Social Security number. Even if someone else has your personal information, they can’t successfully e-file a tax return using your SSN without the correct IP PIN.

Who can get an IP PIN?

When the program first began, IP PINs were available only to confirmed victims of identity theft. Now, the IRS has expanded it to any taxpayer who can verify their identity, whether or not they’ve had a problem in the past.

Why you might want one:

• You’ve had a past incident of identity theft.
• You’ve been part of a data breach.
• You just want peace of mind when filing.

Victims of confirmed identity theft will automatically receive an IP PIN each year from the IRS without reapplying.

Key facts about IP PINs

Before you decide to get one, it’s worth understanding how the program works:

• Valid for one calendar year: A new IP PIN is generated each year, and you’ll need to retrieve (online or by mail) your updated code annually.
• Voluntary but encouraged: You’re not required to have an IP PIN unless you’re a confirmed victim of identity theft, but the IRS strongly recommends it for anyone who wants extra protection.
• Known only to you and the IRS: This is what makes it effective; it’s not publicly available anywhere. Even with stolen SSN data, fraudsters cannot e-file without the correct IP PIN.
• Must be able to verify your identity: The IRS will ask you to confirm your personal details before issuing an IP PIN.
• Beware of scams: The IRS will never call, email or text you to ask for your IP PIN. Requests like that are a red flag.

How to get an IP PIN

Here’s the process; one important thing to note, tax professionals cannot request an IP PIN on behalf of their clients. Each taxpayer must apply for themselves.

1. Use the IRS online tool

The fastest way is through the Get an IP PIN page on IRS.gov. You’ll log in with your IRS account or create one if you don’t already have access. The system will guide you through identity verification, then issue your IP PIN immediately.

2. For those who can’t verify online

If you can’t pass the online identity check, you can still apply by filing Form 15227, Application for an Identity Protection Personal Identification Number (IP PIN), but only if your income is $84,000 or less for individuals ($168,000 or less for married couples filing jointly). The IRS will call you to verify your identity and then mail your IP PIN.

3. In-person verification

Another option is to make an appointment at an IRS Taxpayer Assistance Center. Bring two forms of identification, and once verified, you’ll receive your IP PIN by mail.

Best practices for using your IP PIN

Once you have your IP PIN, it’s your responsibility to keep it secure.

• Share it only with the IRS or your trusted tax preparer. Don’t give it to anyone else: not friends, family or anyone claiming to be from the IRS who contacts you unexpectedly.
• Store it safely. Keep it with your tax documents or in a secure digital vault.
• Use a new one every year. An IP PIN is valid only for the calendar year in which it’s issued. You’ll need the current one for your return to be accepted.
• Be cautious about scams. If you get an unexpected call, email or text asking for your IP PIN, it’s not the IRS; it’s a scammer.

Common questions about IP PINs

Do I need an IP PIN to file?

No. Unless you’re a confirmed victim of tax-related identity theft, it’s optional. But having one greatly reduces your risk of someone else filing a fraudulent tax return using your information.

What happens if I lose it?

You can retrieve it using the IRS Get an IP PIN tool after reverifying your identity.

Will it delay my refund?

No. If anything, it helps prevent delays caused by fraudulent filings. However, using an incorrect IP PIN can cause your return to reject.

Can my spouse and dependents get one?

Yes, if they can verify their identity through the IRS process.

Why tax pros should encourage clients to consider IP PINs

Even though tax professionals can’t obtain IP PINs for clients, they can and should educate clients on the benefits. The IP PIN program is one of the simplest, most effective ways to stop tax-related identity theft before it happens. For clients who’ve been through the stress of identity theft, it’s a game changer.

Consider:

• Providing a one-page IP PIN fact sheet in your office or client portal
• Sending reminder emails each January to retrieve the new IP PIN
• Walking clients through the IRS’s Get an IP PIN webpage during a consultation

The bottom line

The IRS Identity Protection PIN is a free, easy-to-use tool that offers powerful protection against tax identity theft. It’s not just for victims; it’s available to anyone who can verify their identity, and it renews each year.

For taxpayers, it’s an extra layer of security. For tax professionals, it’s another way to add value to your practice and build trust with clients.

If you haven’t yet explored the program, visit the IRS Get an IP PIN page, verify your identity and start the year knowing your tax return is safer from fraud.