How the IRS Identity Protection PIN Can Keep Your Taxes Safe

Tax season has become a prime time for scammers—and they’re getting more convincing every year. In 2024 alone, tax-related identity theft affected thousands of U.S. taxpayers, with fraudsters filing fake returns and cashing in on refunds before the real filer even got started.

To fight back, the IRS offers a free tool called the Identity Protection PIN (IP PIN). It’s a unique 6-digit number that helps ensure only you can file a return under your Social Security number. Think of it as a lock on your tax identity—without the PIN, scammers can’t get through. The IP PIN program is available to anyone with either a Social Security number or an individual taxpayer identification number (ITIN), reinforcing the need for safeguarding personal information against fraudsters.

In this post, we’ll break down what the IP PIN is, why it matters, who should use it, and how to get yours. If you’re serious about protecting your refund—and your identity—this is one IRS feature you’ll want to know about.

What Is the IRS Identity Protection PIN?

The IRS Identity Protection PIN (IP PIN) is a 6-digit number issued by the IRS to help prevent tax-related identity theft. Once you enroll, the IRS assigns you a new PIN each year. You’ll need to enter this code when filing your federal tax return—without it, the return won’t be accepted.

Unlike your Social Security number or IRS login, the IP PIN is a standalone security feature that confirms it’s really you submitting your return. It’s tied directly to your tax identity and acts like a second layer of authentication. Even if someone has your personal info, they can’t file a fake return in your name without your unique PIN. Using an IP PIN can also prevent rejections and delays in e-filing or paper tax returns, safeguarding taxpayers against fraud and identity theft.

This simple, free tool is one of the most effective ways to stop tax fraud before it starts—especially during peak scam season.

Why the IP PIN Matters in 2025

Tax fraud hasn’t slowed down—in fact, it’s getting harder to catch. Scammers can file fake returns using stolen info before you even get your W-2, leaving you to clean up the mess. The IRS Identity Protection PIN (IP PIN) helps stop that from happening.

Here’s why it matters:

Who Should Use an IRS IP PIN?

The IRS Identity Protection PIN was originally designed for people who had already experienced tax-related identity theft. But now, it’s available to any taxpayer who wants an extra layer of security—no fraud history required.

So, who should seriously consider signing up? Here’s a quick breakdown:

• Anyone impacted by a data breach — If your personal information has ever been leaked (through a job, health provider, or major company), you’re at higher risk of tax fraud.
• People whose SSNs have been exposed online — Once your Social Security number is out there, scammers can easily use it to file fake returns.
• Taxpayers expecting large refunds — Bigger refunds are more tempting targets for fraud. The larger the refund, the more incentive for scammers to go after your identity.
• Parents and guardians — Dependents’ information can also be used for fraudulent returns. Adding an IP PIN for your child can help protect their identity too.

Even if you haven’t had issues before, using an IP PIN is a smart move if you want to stay ahead of identity theft—especially during tax season. It is important to obtain an IP PIN if you meet the identity verification requirements, as it is valid for one year and you will need to acquire a new one each January.

How to Get Your IRS Identity Protection PIN

Getting your IRS Identity Protection PIN (IP PIN) is free and takes just a few steps. You don’t need to wait until something goes wrong—if you want to lock down your tax identity, here’s how to do it:

1. Go to IRS.gov and click “Get an IP PIN.”
2. Sign in or create an IRS account using ID.me (you’ll need a government-issued ID and selfie verification if it’s your first time).
3. Verify your identity by answering security questions or uploading documentation.
4. Receive your 6-digit IP PIN instantly online—this code will be tied to your tax return for the current year.

A few things to keep in mind:

• Your IP PIN changes every year, so you’ll need to log in annually to get the new one.
• It’s only available through the IRS website—you won’t receive it by email or text.
• Once you opt in, you must use your IP PIN to file taxes, so be sure to keep it stored securely.

What If You Lose or Forget Your PIN?

If you lose your IRS Identity Protection PIN, don’t panic—but know that you can’t file your federal tax return electronically without it. Once you’re enrolled in the IP PIN program, the IRS requires that 6-digit code to validate your return.

Here’s how to recover it:

• Go to IRS.gov and log in to your IRS account.
• After signing in, you’ll be able to view your current PIN for the tax year under the “Get an IP PIN” tool.
• If you’re locked out or can’t access your account, the IRS offers identity verification by mail or phone—but that process can take time.

A few tips to avoid issues:

• Store your IP PIN somewhere secure—like a password manager or encrypted notes app.
• Don’t share it with anyone except your tax preparer.
• Remember: once you're in the program, you must use your PIN every year, or your return will be rejected.

Using Identity Online to Stay Safe

The IRS offers a range of online tools and resources designed to help you stay safe and protect your identity. One of the most valuable tools is the IP PIN program, which allows you to obtain a unique six-digit number to verify your identity when filing your tax return.

To request an IP PIN, you’ll need to create an online account with the IRS and go through a verification process to ensure your identity. This process involves answering a series of questions and providing personal information to confirm your identity. Once you’ve obtained an IP PIN, you can use it to file your tax return, adding an extra layer of security against identity thieves.

The IRS also provides extensive information about IP PINs and other identity protection measures on its website and through other official channels. By using these online resources, you can help protect your sensitive information and prevent tax-related identity theft.

The IRS is committed to helping you stay safe online and protecting your identity. Take advantage of the resources available to you, such as the IP PIN program and the IRS online account, to ensure your tax information remains secure. By staying informed and proactive, you can safeguard your identity and enjoy a worry-free tax season.

Final Takeaway

Tax scams aren’t slowing down—and neither should your defenses. The IRS Identity Protection PIN is free, takes minutes to set up, and adds a serious layer of protection to your tax return. Once you’re enrolled, no one can file a return using your Social Security number without that 6-digit PIN. It’s one of the easiest and most effective ways to prevent tax-related identity theft—especially as refund scams become more common.

TL;DR: The IRS IP PIN is free, fast, and stops scammers from filing a tax return in your name—set it up before tax season hits.

‍