Why an IP PIN Matters Now

Identity theft continues to be one of the biggest threats to your IRS tax refund every year. Criminals use stolen Social Security Numbers to file fake tax returns and steal refunds before the real taxpayer files.

An Identity Protection PIN (IP PIN) is a 6-digit IRS code that stops someone from filing a tax return in your name—even if they already have your SSN.

The IRS will not accept a return using your Social Security Number unless the correct IP PIN is entered.

What Exactly Is an IP PIN?

Your IP PIN is:

• a unique 6-digit IRS-issued number
• valid for one tax year
• required for e-filing
• known ONLY to you and the IRS

Once you have an IP PIN, no one can file a return under your SSN without it.

How an IP PIN Protects You

When a return is filed, the IRS system checks:

• Social Security Number
• Election for IP PIN
• Correct PIN match

If the system cannot verify the match, the return is automatically rejected. This prevents refund theft and identity fraud before it starts.

Who Should Get an IP PIN?

Anyone can request one, but it’s especially smart if you:

• had ID theft in the past
• lost your Social Security card
• believe your personal data was exposed
• received IRS letters about suspicious filing attempts
• want maximum refund security

You no longer need to be a victim to get one.

How to Get Your IP PIN

You can obtain your IP PIN directly through IRS.gov using:

• IRS Online Account
• ID.me login
• Secure identity verification

Once you’re approved, the IRS will display your PIN immediately. The IRS will also issue a new one every year.

Can You File Without an IP PIN?

If the IRS has assigned you an IP PIN, you must enter it on your tax return. If you do not, your return will:

• be rejected electronically
• require manual review
• delay your refund
• possibly trigger identity verification

What If You Lose Your IP PIN?

Simply log back in to your IRS account and retrieve it. Do not call the IRS unless absolutely necessary. The online tool is the fastest and most reliable method.

Why You Should Get One Now

Getting an IP PIN is one of the strongest defenses against refund theft. Once you have one, scammers can’t file a fraudulent return using your name—even if they have your Social Security Number.

This simple step can prevent weeks (or months) of refund delays.

An IP PIN blocks thieves before they even try. With refund fraud increasing every year, taking 5 minutes to request your PIN can save your entire tax season.