Last Updated on 4 days ago by CreditForImmigrants Editorial Team

An ITIN (Individual Taxpayer Identification Number)
is one of the most important documents an immigrant
can obtain in the United States. Without it, you
cannot file taxes, open certain bank accounts, or
apply for credit cards. With it, you can start
building your financial life in America from day one.

Here is exactly how to get an ITIN in 2026.

What is an ITIN?

An ITIN is a 9-digit tax processing number issued
by the IRS to people who are not eligible for a
Social Security Number. It always begins with the
number 9 and has the format 9XX-XX-XXXX.

The IRS issues ITINs strictly for tax purposes.
Having an ITIN does not authorize you to work in
the U.S. and does not change your immigration
status. However it does allow you to file a U.S.
tax return, open bank accounts, apply for credit
cards, and build a U.S. credit history.

Who Needs an ITIN?

You need an ITIN if you are required to file a
U.S. tax return but are not eligible for an SSN.
This includes non-resident aliens with U.S. income,
resident aliens who file U.S. tax returns,
dependents or spouses of U.S. citizens or resident
aliens, and dependents or spouses of non-resident
alien visa holders.

What Documents Do You Need?

You need to prove two things: your identity and
your foreign status. A valid foreign passport
satisfies both requirements on its own. It is the
simplest and most accepted document.

If you do not have a passport you can combine two
documents such as a national ID card plus a birth
certificate, or a foreign driver’s license plus a
U.S. visa.

All documents must be originals or certified copies.
Photocopies are not accepted.

How to Apply for an ITIN Step by Step

Step 1: Complete IRS Form W-7.
Download Form W-7 for free at irs.gov. Fill it out
carefully. The form asks for your name, mailing
address, country of birth, foreign tax ID number
if applicable, and the reason you are applying.

Step 2: Prepare your supporting documents.
Gather your passport or the combination of
documents that prove your identity and foreign
status. Make sure they are valid and not expired.

Step 3: Attach a completed U.S. tax return.
In most cases you must attach a federal tax return
to your W-7 application. The ITIN is issued so you
can file taxes — so the IRS needs to see the return.

There are exceptions where a tax return is not
required such as if you are a dependent of a U.S.
citizen, a student with certain visa types, or if
you have a specific exception listed in the W-7
instructions.

Step 4: Submit your application.
You have three options. Mail everything to the IRS
ITIN Operations office at: Internal Revenue Service,
ITIN Operation, P.O. Box 149342, Austin, TX 78714.

Or visit an IRS Taxpayer Assistance Center in person
— find locations at irs.gov/help/tac.

Or use an IRS-authorized Certifying Acceptance Agent
(CAA). A CAA can certify your documents on the spot
so you do not need to mail your original passport.
This is the safest and fastest option for most people.

Step 5: Wait for your ITIN.
The IRS typically processes ITIN applications in
6 to 11 weeks. During tax season January through
April processing can take longer. You will receive
your ITIN by mail at the address you provided.

How to Use Your ITIN After You Get It

Once you have your ITIN you can file your U.S.
tax return, open bank accounts at ITIN-friendly
banks like Bank of America, Capital One, and Chase,
apply for secured credit cards that accept ITIN
such as Capital One, Firstcard, and Self Visa, and
start building your U.S. credit history.

How Much Does an ITIN Cost?

Applying directly through the IRS is completely
free. If you use a Certifying Acceptance Agent
expect to pay between $50 and $200 for their
services. Avoid any service that charges hundreds
of dollars for a simple ITIN application — it is
not worth it.

Can My ITIN Expire?

Yes. ITINs that have not been used on a federal
tax return for three consecutive years expire
automatically. ITINs issued before 2013 with
certain middle digits also expire on a rolling
schedule. If your ITIN expires you can renew it
by submitting a new Form W-7.

Frequently Asked Questions

Does having an ITIN affect my immigration case?
No. The IRS does not share ITIN information with
immigration authorities. Having an ITIN does not
affect your immigration status positively or
negatively.

Can I work in the U.S. with an ITIN?
No. An ITIN is for tax purposes only. To work
legally in the U.S. you need a Social Security
Number and work authorization.

Can I get a credit card with an ITIN instead
of an SSN?
Yes. Several issuers accept ITIN including Capital
One, Firstcard, Self Visa, and OpenSky. These are
among the best starting points for immigrants
building credit from scratch.

What happens to my credit history if I later
get an SSN?
If you later become eligible for an SSN you should
notify the IRS. Your credit history built under
your ITIN can be linked to your SSN so your
credit score is not lost.

How long does it take to get an ITIN?
The IRS typically takes 6 to 11 weeks. Using a
Certifying Acceptance Agent can speed up the
process because your documents are certified
immediately without mailing.