How to Get an ITIN Number in the USA (2026): Complete Guide for Newcomers

Quick Answer: How to Get an ITIN in the USA (2026)

An ITIN (Individual Taxpayer Identification Number) is a 9-digit tax ID issued by the IRS to people who need to file US taxes but are not eligible for a Social Security Number (SSN). You apply using IRS Form W-7, submit supporting identity documents, and receive your ITIN by mail within 7–11 weeks.

Whether you’re a newcomer, international student, visa holder, non-resident alien, or undocumented immigrant — if you earn US-source income or need to open a bank account without an SSN, an ITIN is your gateway to the US financial system.

What Is an ITIN and Who Needs One?

The IRS issues ITINs to individuals who:

• Are not eligible for a Social Security Number (SSN)
• Have a US federal tax filing requirement or other valid tax purpose
• Include: nonresident aliens, resident aliens, foreign national spouses or dependents of US citizens, international students on F-1 or J-1 visas, and undocumented immigrants who pay taxes

You do NOT need an ITIN if you already have or can get an SSN. An ITIN is specifically designed for those who cannot obtain an SSN.

1. How to Apply for an ITIN: Step-by-Step (2026)

Step 1: Download IRS Form W-7

Download the current version of IRS Form W-7 from the official IRS website (irs.gov). Make sure you use the most recent version — the IRS updates the form periodically.

Step 2: Complete Form W-7

Fill out the form carefully. Key fields include:

• Box a or b: Check the reason you need an ITIN (most newcomers check “Nonresident alien required to get ITIN to claim tax treaty benefit” or “Resident in the US”)
• Your name, date of birth, country of birth, and foreign tax ID number
• Your US mailing address (required to receive the ITIN by mail)
• Entry date into the US and type of visa

Step 3: Gather Identity and Foreign Status Documents

You must prove both your identity AND your foreign status. The IRS requires original documents or certified copies. The most commonly accepted single document is:

• Passport (the only document that proves both identity and foreign status by itself)

If you don’t want to mail your original passport, you have two options: use a Certifying Acceptance Agent (CAA) who can certify your documents locally, or visit an IRS Taxpayer Assistance Center (TAC) in person.

Step 4: Attach a Completed Tax Return (in most cases)

For most applicants, you must attach a completed federal tax return (e.g., Form 1040, 1040-NR) to your W-7 application. Exception: If you qualify for one of the exceptions listed on the W-7 instructions (such as needing an ITIN for a bank account or to claim a tax treaty benefit without filing a return), you can apply without attaching a return.

Step 5: Submit Your Application

You have three submission options:

• Mail to the IRS: Internal Revenue Service, ITIN Operation, P.O. Box 149342, Austin, TX 78714-9342
• IRS Taxpayer Assistance Center (TAC): In-person at designated offices — bring originals, no mailing required
• Certifying Acceptance Agent (CAA): Authorized IRS agents who certify documents locally — fastest and most convenient option

Step 6: Wait for Your ITIN

Processing times vary:

• Outside tax season (May–November): 7–11 weeks
• During tax season (January–April): Up to 14 weeks

Your ITIN will be mailed to the address on Form W-7. Keep it secure — treat it like a Social Security Number.

2. ITIN Application Methods Compared

3. ITIN Exceptions: Apply Without a Tax Return

The IRS allows ITIN applications without a tax return in specific situations:

• Exception 1: Third-party withholding on passive income (interest, dividends, pensions)
• Exception 2: Wages, salary, or compensation subject to NRA withholding
• Exception 3: US federal tax return required by court order
• Exception 4: Treaty benefit claim (no US tax filing obligation)
• Exception 5: Mortgage interest deduction, IRS taxpayer identification, or mortgage reporting purposes

Most relevant for newcomers: Exception 5 allows you to get an ITIN specifically to open a US bank account or to build credit — without needing to attach a tax return. This is the exception most banks and credit unions refer to when helping newcomers apply.

4. What Can You Do With an ITIN? (Beyond Taxes)

An ITIN opens far more doors than just filing taxes. Here’s what you can do once you have an ITIN:

5. Best ITIN-Friendly Banks in the USA (2026)

Once you have your ITIN, these banks are among the most accepting of ITIN holders:

• Chase Bank — accepts ITIN for checking and savings account opening at branches
• Bank of America — SafeBalance account available with ITIN
• Citibank — strong international banking experience, accepts ITIN
• Wells Fargo — accepts ITIN at many branches
• Local credit unions — often the most flexible for ITIN holders

➡️ See our full guide: Best ITIN-Friendly Bank Accounts for Immigrants in the USA (2026)

6. ITIN vs SSN: Key Differences

Many newcomers confuse the ITIN with the Social Security Number. Here’s a clear comparison:

➡️ Full comparison: ITIN vs SSN for Newcomers in the USA: Complete 2026 Guide

7. ITIN Renewal: When and How

ITINs expire if not used on a federal tax return for 3 consecutive years. Additionally, ITINs issued before 2013 with certain middle digits have been systematically expired by the IRS.

How to renew: Complete a new Form W-7 with the box “Renewal” checked and submit with documentation. Attach a federal tax return unless an exception applies. Do not wait until tax season to renew — apply 3–4 months in advance to avoid delays.

8. ITIN and Credit Building: Your Fastest Path to a US Credit Score

An ITIN allows you to start building a US credit score immediately. Here’s the recommended strategy for newcomers:

1. Get your ITIN first (7–11 week wait)
2. Open an ITIN-friendly bank account (Chase, Bank of America, credit union)
3. Apply for a secured credit card (Capital One Platinum Secured or OpenSky — no SSN required with ITIN)
4. Use the card monthly and pay in full — build 6+ months of history
5. Apply for a credit-builder loan from Self Financial or a local credit union to diversify your credit mix
6. After 12–18 months, you’ll have a credit score of 670+ and can apply for unsecured cards and better financial products

➡️ See our complete guide: How to Build Credit in the USA Without an SSN (2026)

9. Common ITIN Application Mistakes to Avoid

• Sending uncertified copies: The IRS only accepts original documents or copies certified by the issuing authority. Notarized copies are NOT accepted.
• Applying without a valid tax reason: Make sure you check the correct reason box on Form W-7 and qualify for the ITIN.
• Using an expired passport: Your identification documents must be current (not expired).
• Missing signature: Both the applicant and preparer (if applicable) must sign Form W-7.
• Wrong mailing address: Double-check your US mailing address — this is where your ITIN will be sent.
• Applying through unofficial services: Use the IRS website directly or an officially authorized CAA. Avoid services charging high fees claiming to “expedite” your ITIN — the IRS cannot expedite processing.

10. ITIN Application for International Students

If you’re on an F-1 or J-1 student visa, you may need an ITIN to:

• File a US tax return for scholarship income, fellowship income, or US-source wages (if you have work authorization)
• Claim a tax treaty benefit that reduces withholding on your income
• Open a US bank account at a bank that requires a tax ID (many banks on campus accept passports alone, but some require an ITIN)

Note: If you have work authorization (e.g., CPT, OPT, or campus employment), apply for an SSN — do NOT apply for an ITIN. An ITIN is only for those who cannot get an SSN.

Frequently Asked Questions

Can I get an ITIN without a US address?

You need a US mailing address for the IRS to send you the ITIN by mail. If you haven’t arrived in the US yet, you can use a temporary address (hotel, friend’s address, or a mail forwarding service). The IRS does not require a permanent US address — just a valid delivery address.

How much does it cost to get an ITIN?

Applying directly with the IRS is free. If you use a Certifying Acceptance Agent (CAA), they typically charge $50–$200 for their services. Avoid any service claiming to charge IRS fees — the IRS itself does not charge for ITIN processing.

Can I get an ITIN if I’m undocumented?

Yes. The IRS issues ITINs regardless of immigration status. The purpose of an ITIN is to ensure tax compliance, not to verify immigration status. IRS records are confidential and are not shared with immigration enforcement agencies under standard circumstances.

Does an ITIN give me work authorization in the US?

No. An ITIN is a tax ID only and does not grant any immigration status or work authorization. To work legally in the US, you need an appropriate visa and, upon employment, you’ll receive an SSN.

Will having an ITIN affect my immigration application?

Generally, having an ITIN and paying taxes can be viewed positively in certain immigration applications as it demonstrates tax compliance. However, consult an immigration attorney for advice specific to your situation — immigration law is complex and case-specific.

About Talal Eddaouahiri

Founder & Editor of MoneyAbroadGuide.com. A Moroccan immigrant who settled in the United States in 2015, Talal opened bank accounts and built credit from zero in both the US and Canada. His background is in retail banking and customer relations, and he writes independent, source-based guides (FCAC, FINTRAC, OSFI, CRA, IRS, CDIC) to help newcomers navigate their first financial steps. Read his full profile →