Guía·Inmigración
Taxes · ITIN

What is an ITIN number — and how do you get one?

The ITIN is how millions of people who don't qualify for a Social Security number file U.S. taxes, open bank accounts, and build credit. Here is the whole process — including what the IRS actually charges for it: nothing. Esta guía en español →

Por Guía Inmigración editorial team Actualizado el 22 de septiembre de 2026
En esta guía
  1. What an ITIN is
  2. ITIN vs SSN
  3. Requirements and documents
  4. How to get an ITIN number
  5. Cost and processing time
  6. Renewal
  7. FAQ

01ITIN meaning: what the number is

So what's an ITIN? ITIN stands for Individual Taxpayer Identification Number (ITIN). It's a nine-digit number issued by the IRS — always starting with 9, formatted like a Social Security number (9XX-XX-XXXX) — for people who have a U.S. tax obligation but aren't eligible for an SSN. Banks and forms sometimes call it an ITIN tax ID; it's the same number.

That's the whole ITIN number definition — and the ITIN number meaning is exactly what the name says: identification for a taxpayer. In plain terms, what the ITIN number means is that its holder files U.S. taxes — nothing more and nothing less. The IRS created it in 1996 because the law requires anyone earning income in the United States to file taxes, regardless of immigration status. Undocumented workers, foreign investors, and spouses or dependents of visa holders all use ITINs. The number says nothing about who you are or how you entered the country — it says you file taxes.

02ITIN number vs SSN

ITIN vs SSN at a glance
ITINSSN
Who issues itIRSSocial Security Administration
Who gets itPeople not eligible for an SSNCitizens and work-authorized residents
Authorizes workNoYes
Files taxesYesYes
Social Security benefitsNoYes
Can anchor a credit fileYesYes

One rule matters more than the rest: you can't hold both. If you become eligible for an SSN, you must stop using the ITIN and ask the IRS to combine your tax records under the new number.

03Requirements and documents

An ITIN application has three parts:

  1. Form W-7 — the only official application form, free at irs.gov.
  2. A federal tax return (usually Form 1040). With narrow exceptions listed in the W-7 instructions, the application is filed attached to a return, not on its own.
  3. Proof of identity and foreign status. A valid passport is the only document that proves both by itself; otherwise you need two documents from the IRS's approved list. Dependents may need additional proof of U.S. residency.

04How to get an ITIN number, step by step

There are exactly three official ways to apply for an ITIN. Searches like "how to get ITIN number fast" or "ITIN apply online" all end at the same three routes — every paid service you will ever see, however it advertises, is using one of them on your behalf.

How to obtain an ITIN number: the three official routes (2027)
Route Cost Your documents
Mail Form W-7 + return to the IRS ITIN Operation (Austin, TX) $0 Originals mailed in; returned in about 60 days
Certifying Acceptance Agent (CAA) $50–$500 Agent certifies your passport; you keep it
IRS Taxpayer Assistance Center, by appointment $0 Verified in person, returned same day

The process itself, in five steps:

  1. Prepare your federal tax return for the year.
  2. Complete Form W-7 and check the reason you're applying.
  3. Gather your identity documents — ideally a valid passport.
  4. Submit everything through one of the three routes above.
  5. Wait for notice CP565 with your number. Your return is processed with the same submission.

05What it costs and how long it takes

The IRS charges $0 to issue an ITIN. Any fee belongs to the preparer or agent you choose, never to the number itself. Standard processing runs about 7 weeks, stretching to 9–14 weeks during tax season (January–April) or for applications from abroad. Errors add more, because the IRS responds by postal mail — a complete, correct first submission is the only real shortcut.

06Renewal

An ITIN expires if it isn't used on a federal return for three consecutive years. How to apply for ITIN renewal: the same Form W-7 with the "renewal" box checked, through the same three routes — and it can be filed without waiting for a return. File a return on an expired ITIN and the IRS will process it but hold credits and refunds until you renew — so renew before tax season, not during it.

PreguntasFrequently asked questions

Where can I find my ITIN number?
On the CP565 notice the IRS mailed when your ITIN was approved, or on the first page of any tax return you filed with it. If you can’t find either, call the IRS at 1-800-829-1040.
Is there an ITIN card?
No. Unlike a Social Security card, the IRS stopped issuing ITIN cards in 1999 precisely so the number wouldn’t be mistaken for work authorization. Your ITIN comes as a letter (notice CP565). Anyone selling you an "ITIN card" is selling a souvenir.
Does an ITIN authorize me to work in the U.S.?
No. An ITIN exists only for federal tax reporting. It is not a work permit, does not change immigration status, and provides no Social Security benefits.
Can I build credit with an ITIN?
Yes. Several banks and card issuers accept an ITIN in place of an SSN on applications, and the three credit bureaus can maintain a file under it. That is how many immigrants establish their first U.S. credit history — see our guide to ITIN credit cards.
What is an ITIN application ("itin app")?
The application is IRS Form W-7, filed together with your federal tax return by mail, through a Certifying Acceptance Agent, or at an IRS Taxpayer Assistance Center. There is no online ITIN application — any website offering one is a middleman filing the same W-7.
Su próximo paso

Got the ITIN? Put it to work

The same number that files your taxes can open your first U.S. credit card — several issuers accept an ITIN or passport with no credit history.

See ITIN credit cards

Guía Inmigración es un sitio de información. No somos una firma de abogados ni damos asesoría legal. Le conectamos con firmas locales y recursos verificados.