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Quick Answer
To get an ITIN, file IRS Form W-7 with proof of identity and foreign status (a passport is ideal), usually along with a federal tax return. Submit by mail, through an IRS-authorized Certifying Acceptance Agent, or at a Taxpayer Assistance Center. Processing takes about 7-11 weeks. The IRS charges no fee for the form itself.
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What is an ITIN?
An Individual Taxpayer Identification Number (ITIN) is a nine-digit tax processing number the IRS issues to people who must file U.S. taxes but aren't eligible for a Social Security Number. It always begins with a 9. An ITIN doesn't grant work authorization or immigration status, but it does open the door to banking, credit, and loans.
Step-by-step: how to apply
Complete IRS Form W-7, the "Application for IRS Individual Taxpayer Identification Number."
Gather your documents, a valid passport is the simplest, since it proves both identity and foreign status. Without one, you'll need two alternative documents.
Attach your tax return, most applicants must include a completed federal return, unless they meet an exception.
Submit your application, by mail to the IRS, through a Certifying Acceptance Agent (CAA), or in person at an IRS Taxpayer Assistance Center.
Wait for your ITIN, the IRS mails it in about 7-11 weeks.
Three ways to submit
Method
Notes
By mail
Free, but you must mail original documents or certified copies
Certifying Acceptance Agent
Verifies your documents so you keep your passport; may charge a fee
IRS Taxpayer Assistance Center
In-person document review by appointment
After you get your ITIN
Once your ITIN arrives, you can file taxes, open a U.S. bank account, apply for credit cards, and pursue the loans covered across this site. A smart first move is opening a bank account and a secured credit card to start building U.S. credit history right away.
For official forms and the latest requirements, always check IRS.gov. This guide is general information, not tax or legal advice.
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File IRS Form W-7 with proof of identity and foreign status, usually alongside a federal tax return. You can submit by mail, through an IRS-authorized Certifying Acceptance Agent (CAA), or at an IRS Taxpayer Assistance Center.
How long does it take to get an ITIN?
The IRS typically processes ITIN applications in about 7 to 11 weeks, and longer during tax season (January-April). Applying outside peak season is faster.
What documents do I need for an ITIN?
A completed Form W-7, a valid passport (or two alternative IDs), and usually a federal tax return. A passport is the only document that proves both identity and foreign status on its own.
Does it cost money to get an ITIN?
The IRS does not charge a fee for Form W-7 itself. Certifying Acceptance Agents and tax preparers may charge for their help, but you can also apply directly for free.
Do I need to renew my ITIN?
ITINs not used on a federal tax return for three consecutive years expire, as do certain older ITINs. If yours has expired, file Form W-7 to renew before using it on a return.
