March 22, 2026
How to Get an ITIN
Updated March 2026
What is an ITIN?
An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the Internal Revenue Service (IRS) to individuals who are required to have a U.S. taxpayer identification number but do not have, and are not eligible to obtain, a Social Security Number (SSN). ITINs are used by individuals without SSNs to comply with U.S. tax laws and to provide tax returns and payments. They are issued regardless of immigration status, because both resident and nonresident aliens may have a U.S. filing or reporting requirement under the Internal Revenue Code. ITINs do not serve any purpose other than federal tax reporting.
What can I use ITIN for?
An ITIN is primarily used for federal tax purposes in the United States, but there are other benefits. Here are some specific uses and benefits of having an ITIN:
- Filing Tax Returns: ITINs allow individuals who do not have an SSN to file federal tax returns.
- Claiming Tax Benefits: With an ITIN, individuals can claim tax benefits such as the Child Tax Credit for qualifying dependents, provided other eligibility requirements are met.
- Opening Bank Accounts: Some banks such as Firstcard accept an ITIN as part of the identification required to open a checking or savings account.
- Earning Interest on Savings: Individuals with an ITIN can open high-yield savings accounts at banks that accept ITINs. If you have an account with Firstcard and have an ITIN number, contact Firstcard Customer Support at support@firstcard.app to start earning interest (up to 4.25% APY with Firstcard+).
- Securing Loans: Financial institutions may use an ITIN to process loans and credit applications, enabling individuals to build credit with ITIN and establish a strong credit history.
- Educational Purposes: Universities may require an ITIN for international students who do not qualify for an SSN but need to comply with tax laws regarding scholarships and stipends.
Earn Up to 4.25% APY with Firstcard Using Your ITIN
For Firstcard customers, having an ITIN opens the door to earning 4.25% Annual Percentage Yield (APY) on their deposits. Here's how you can start earning:
- Sign Up for Firstcard: If you're not already a Firstcard customer, sign up for an account.
- Provide Your ITIN: Once you are a Firstcard customer, share your ITIN number with Firstcard Customer Support by emailing it to support@firstcard.app.
- Start Earning: After providing your ITIN, your account will be eligible for 1.25% APY if you are a regular Firstcard customer and 4.25% APY if you subscribe to Firstcard+.
The 4.25% APY offered by Firstcard is significantly higher than the national average, ensuring you get the best return on your savings.
When should I apply for an ITIN?
You can apply for an ITIN any time during the year when you have a filing or reporting requirement. At a minimum, you should complete Form W-7 when you are ready to file your federal income tax return by the return's due date.
How to Get an ITIN
Step 1: Determine Eligibility. Can I apply for an ITIN?
The first step in obtaining an ITIN is to determine whether you need one. You require an ITIN if you:
- Do not have an SSN and are not eligible to get one
- Have a requirement to file a federal tax return
- Are a non-resident alien not eligible for an SSN but need to file a U.S. tax return
- Are a dependent or spouse of a U.S. citizen/resident alien
- Are a dependent or spouse of a non-resident alien visa holder
- Are a nonresident alien claiming a tax treaty benefit
- Are a nonresident alien student, professor or researcher filing a U.S. tax return or claiming an exception
Step 2: Complete Form W-7
To apply for an ITIN, you must complete IRS Form W-7, "Application for IRS Individual Taxpayer Identification Number." The form requires detailed information about your identity and alien status. It is crucial to fill out this form accurately to avoid delays in processing. Here is the Form W-7 and instructions for Form W-7 provided by the IRS.
Step 3: Provide Supporting Documentation
You must provide documents that prove (1) your identity and (2) your foreign status. The IRS accepts a range of documents, with the most commonly accepted being your passport, which serves as a standalone document. If you don't have a passport, you can provide a combination of at least two of the following: U.S. or foreign driver's license, birth certificate, foreign military identification card, visa, U.S. state identification card, foreign voter's registration card, or national identification card (must show photo, name, current address, date of birth, and expiration date).
All documents must be originals or certified copies by the issuing agency. Notarized copies are not acceptable.
Step 4: Submit Your Application
You can submit your completed Form W-7 and the supporting documents in one of three ways:
- Mail to the IRS: Internal Revenue Service Austin Service Center ITIN Operation, P.O. Box 149342, Austin, TX 78714-9342
- Present the application at an IRS walk-in office.
- Process through an Acceptance Agent authorized by the IRS.
How long does it take to get an ITIN?
Processing times can vary depending on the time of year (tax season may have longer processing times), typically within 7 weeks as stated on the IRS website. Once processed, the IRS will send a letter to your address containing your ITIN.
Want to get an ITIN fast?
Getting an ITIN has never been easier. Firstcard has partnered with IRS-Certified Acceptance Agents to provide premium service to help you get your ITIN fast.
Without a Certified Acceptance Agent (CAA), you would need to mail your passport to the IRS office in Austin, Texas, which could be risky. With an IRS-certified Acceptance Agent, you do not need to mail your passport. Benefits include: easy online application, no need to mail your passport to IRS, help completing the ITIN application accurately, direct line with IRS to help resolve issues, and a 110% refund policy with 100% success rate.
Maintaining Your ITIN
Keep in mind that ITINs need to be renewed every few years. ITINs that have not been included on a U.S. federal tax return at least once in the last three consecutive years will expire.
Can a Non-Citizen Get a Credit Score?
Many non-citizens wonder if they can establish credit without an SSN. The answer is yes. Learn more about building credit as a non-citizen and the opportunities available to you through alternative identification.
Alternatives to SSN
If you're looking to get credit without an SSN, discover the best options for getting a credit card without a Social Security Number. These cards are designed for non-citizens and immigrants.
Final Thoughts
Obtaining an ITIN is a critical process for many individuals who are not eligible for an SSN but need to comply with U.S. tax laws. By following these steps, you can ensure you meet the requirements, submit your application accurately, and receive your ITIN to fulfill your tax obligations.
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Ma Qing - March 22, 2026
