IP PIN for Everyone: Why the IRS Wants You to Get an Identity Protection PIN in 2026

The Most Powerful Tool to Protect Your Refund and Prevent Tax Identity Theft

Tax refund identity theft continues to be one of the fastest-growing forms of fraud in the United States. Every year, criminals attempt to file fraudulent returns using stolen Social Security Numbers, hoping to claim refunds before the real taxpayer files. To combat this, the IRS has expanded one of its most powerful security tools: the Identity Protection PIN, known as the IP PIN.

In 2026, the IRS is pushing harder than ever to encourage all taxpayers to opt in. The IP PIN program is now universally available, free, and provides unmatched protection against fraudulent tax filings. If you want to safeguard your refund, secure your personal information, and avoid refund delays, enrolling in the IP PIN program is one of the smartest steps you can take.

Here’s everything you need to know.

What Is an IRS IP PIN?

An Identity Protection PIN (IP PIN) is a six-digit number issued by the IRS. Once assigned, the PIN is required to successfully file your tax return. Without your unique PIN, no one can file a return using your Social Security Number.

In simple terms, an IP PIN:

• Prevents criminals from filing a return in your name
• Blocks unauthorized refunds
• Stops fraudulent dependent claims
• Requires identity-verified taxpayers only
• Protects your personal tax record even if your SSN is exposed

Once enrolled, your return cannot be accepted by the IRS unless your correct IP PIN is used.

Why the IRS Wants Everyone to Use an IP PIN in 2026

The IRS is strongly encouraging universal adoption because identity theft attempts spike every year during tax season. Criminals target:

• Taxpayers who file early
• Seniors
• Students
• People with minimal tax activity
• Individuals with past refund delays
• Social Security and disability recipients
• Anyone affected by large data breaches

In 2025 and 2026, more breaches, more digital theft, and more phishing attempts have put taxpayers at increased risk. The IP PIN program is the most effective and direct defense the IRS can offer.

How an IP PIN Protects You

Once you have an IP PIN:

• No one can e-file a return with your SSN without it
• Fraudulent returns are automatically rejected
• Paper returns filed without your PIN trigger identity checks
• Refunds cannot be rerouted to criminals
• You reduce the likelihood of IRS-initiated reviews and delays

An IP PIN essentially locks your tax account.

It prevents:

• Refund theft
• Fake dependents claimed on your return
• Criminals resetting your IRS Online Account
• Unauthorized changes to your IRS profile
• Delays caused by suspected identity fraud

This makes the IP PIN one of the strongest taxpayer protections available.

Who Should Get an IP PIN?

While the IRS wants everyone to enroll, certain taxpayers benefit even more:

• Anyone who has experienced identity theft
• People who receive IRS notices about suspicious activity
• Taxpayers who file early
• College students and dependents with rising income
• Elderly taxpayers who may be targeted by scammers
• Individuals involved in data breaches
• Online banking and mobile app users
• Freelancers and gig workers with exposed financial information
• Taxpayers who routinely experience refund delays

If you use your SSN frequently, have online accounts, or previously had a return delayed for verification, an IP PIN is essential protection.

How to Get an IRS IP PIN for 2026

The IRS provides several ways to obtain your IP PIN.

1. Get an IP PIN Online (Fastest)

Use the IRS “Get an IP PIN” tool through your IRS Online Account. You must verify your identity using:

• Government-issued ID
• Mobile phone
• Financial account verification
• Multi-factor authentication

Once verified, your IP PIN is displayed immediately.

2. Apply Using Form 15227

If you cannot pass online identity verification but have:

• Adjusted Gross Income of $73,000 or less for individuals
• AGI of $146,000 or less for married filing jointly

You can complete Form 15227.
The IRS will call you to verify your identity by phone, then mail your IP PIN.

3. Visit an IRS Taxpayer Assistance Center

Bring two forms of identification and get in-person verification. The IP PIN will be mailed to you.

When You Get an IP PIN, You Must Use It Every Year

Once enrolled, you receive a new IP PIN every calendar year. It is valid only for that year’s return.

Your PIN:

• Changes annually
• Must be kept private
• Will be sent by mail each January if you cannot retrieve it online
• Must be used by your tax preparer if you use one
• Must be included on paper and electronic returns

Failure to enter the correct IP PIN will result in rejection or delays.

Common Questions About IP PINs

Can dependents receive an IP PIN?

Yes, dependents with SSNs can receive one and should if identity theft is a concern.

What if I lose my IP PIN?

You can retrieve it through your IRS Online Account.

Does an IP PIN slow down my refund?

No. In most cases, it prevents delays by blocking fraud and identity holds.

What if a criminal has my SSN but not my PIN?

They cannot file a return in your name. The return will be rejected.

Why IP PINs Will Become Essential in 2026

The IRS has noted rising fraud attempts and increased use of artificial intelligence by criminals to steal personal and financial identities. To protect taxpayers and reduce refund theft, the IRS is encouraging near-universal enrollment in the IP PIN program.

With refunds increasing for many families due to new tax law changes, fraud attempts are expected to rise as well.
An IP PIN ensures your refund reaches you, not a criminal.

The IRS IP PIN is the most effective tool available to protect your tax identity, block refund theft, and prevent delays during processing. As the IRS expands the program and encourages all taxpayers to participate in 2026, now is the time to enroll and lock down your tax account.

A six-digit PIN can prevent months of refund delays and eliminate the risk of someone else filing a return in your name.

If you want faster processing, fewer holds, and stronger protection, getting an IP PIN should be your top priority this tax season.