If you need an IP PIN for your child, the fastest path is usually through the IRS online tools, but the exact steps depend on whether your child already has an IRS account and whether you can verify their identity. An IP PIN is a six-digit code that helps protect a child’s tax return from identity theft.
Below, you’ll find a step-by-step guide for how to get an IP PIN for your child online, plus what to do if the online process is not available to you.
How To Get An IP PIN For My Child Online
To get an IP PIN for your child online, you generally need to create or use an IRS Online Account, verify the child’s identity, and complete the IP PIN request through the IRS system. If online verification is not possible, the IRS may require a different method, such as in-person proofing or a mailed request, depending on the situation.
What an IP PIN is and why your child may need one
An Identity Protection PIN, or IP PIN, is a temporary six-digit number the IRS uses to confirm the rightful filer on a tax return. If someone tries to file a return using your child’s Social Security number, the IP PIN helps block that fraudulent filing.
This can matter even if your child is too young to file taxes in a typical year. A child’s Social Security number can still be targeted by identity thieves, so an IP PIN may add an extra layer of protection.
When a child might need an IP PIN
- If your child’s Social Security number has been exposed in a data breach
- If a tax return was rejected because a return was already filed using the child’s SSN
- If the IRS has flagged the child’s account for identity protection
- If you want added protection after identity theft concerns
Step-by-step: how to get an IP PIN for your child online
The online process is the most direct option when it’s available. The IRS uses identity verification to make sure the person requesting the IP PIN is authorized to do so for the child.
-
Gather the child’s information.
Have the child’s full legal name, date of birth, Social Security number, and mailing address ready. You may also need your own identifying information if you are the parent or legal guardian.
-
Access the IRS online account system.
Go to the IRS website and sign in to the online account area. If you do not already have an account, you may need to create one first. The IRS may ask for identity verification before letting you proceed.
-
Verify identity.
Identity verification is a key step. The IRS may use a third-party verification process or ask for additional documentation. If the child cannot be verified online, you may need another route.
-
Look for the IP PIN request option.
Once you are in the account, follow the prompts for identity protection or IP PIN services. The menu labels can change, so read carefully and choose the option connected to requesting or managing an IP PIN.
-
Confirm the request.
Review the information before submitting. If the IRS approves the request, the IP PIN is typically issued through the online system or sent according to the IRS’s current process.
-
Store the IP PIN securely.
Keep the number in a safe place. It should be used only when filing the child’s tax return, and it should not be shared casually.
Who can request an IP PIN for a child?
In general, a parent or legal guardian who is authorized to act for the child may be able to request an IP PIN. The IRS needs to confirm that the requester has the legal right to do so and can verify the child’s identity.
If custody, guardianship, or legal authority is unclear, the IRS may require extra documentation. That can slow the process, so it helps to have court papers or other proof of authority available if relevant.
Common situations that affect eligibility
- Minor child: A parent or guardian may be able to act on the child’s behalf.
- Child with no prior IRS account: Online access may be harder if there is no existing IRS record to verify.
- Identity theft issue: The IRS may already have special procedures in place.
- Shared custody: The IRS may need clear proof of who is authorized to request the PIN.
What if you cannot get the IP PIN online?
If the online route does not work, that does not necessarily mean you cannot get an IP PIN. It usually means the IRS needs a different verification method. The right alternative depends on why the online process failed.
Possible alternatives
- IRS identity verification by mail: The IRS may send a notice or request additional information.
- In-person identity proofing: In some cases, you may need to visit an IRS office or another approved location.
- Paper-based or assisted process: If online access is unavailable, the IRS may offer another method for the child’s situation.
Because procedures can change and depend on the facts of the case, it is best to follow the instructions on the IRS notice or account page rather than guessing.
Documents and information you may need
Having the right documents ready can make the process smoother. The exact requirements vary, but these items are commonly useful:
- The child’s Social Security number
- The child’s full legal name and date of birth
- Your government-issued ID
- Proof of your relationship or legal authority, if needed
- Any IRS letters or notices related to identity protection
- Current mailing address and contact information
If you are unsure whether a document will be accepted, check the instructions provided by the IRS. Avoid sending sensitive information unless the IRS specifically asks for it through the correct channel.
How the IP PIN is used on a tax return
An IP PIN must be entered on the tax return when filing electronically or on paper, depending on the filing method and the IRS instructions for that year. If the number is missing or entered incorrectly, the return may be rejected or delayed.
For a child’s return, the parent or guardian preparing the return should keep the IP PIN secure and use it only when filing the correct return. If the number is lost, the IRS may have a recovery process, but that can take time.
Important filing tips
- Use the exact IP PIN assigned for that tax year
- Do not confuse the IP PIN with the child’s Social Security number
- Double-check names, dates of birth, and SSNs before filing
- Keep a record of where the IP PIN is stored for future filing seasons
Common mistakes to avoid
Many delays happen because of simple errors rather than major problems. Avoid these common mistakes when trying to get an IP PIN for your child online:
- Using the wrong IRS account or logging in with outdated information
- Entering a nickname instead of the child’s legal name
- Using an old address that no longer matches IRS records
- Assuming a parent can request the PIN without identity verification
- Waiting until tax filing season to start the process
How long does it take?
Timing depends on the verification method and whether the IRS can confirm the child’s identity online. Some requests may move quickly, while others may require mailing, notices, or additional review. Because processing times can vary, it is smart to request the IP PIN before you need to file a return.
If you are dealing with identity theft or a rejected return, start the process as soon as possible so you have time to resolve any issues before the filing deadline.
Security tips for parents and guardians
An IP PIN is a protection tool, but it works best when you handle the child’s information carefully. Good recordkeeping reduces the chance of mistakes and helps protect against fraud.
- Store the IP PIN in a secure password manager or locked file
- Share it only with the person preparing the tax return
- Do not email the number in an unsecured message if you can avoid it
- Review the child’s tax records each year for suspicious activity
- Update addresses and contact details with the IRS if they change
Frequently asked questions
Can I get an IP PIN for my child if they do not file taxes?
Sometimes, yes. The IRS may still issue an IP PIN if there is a reason to protect the child’s identity or tax account. The child does not always need to have filed a return before.
Is an IP PIN permanent?
No. An IP PIN is generally issued for a specific tax year and may need to be renewed or reissued according to IRS rules. Check the IRS instructions each year before filing.
What if I lose the IP PIN?
If the IP PIN is lost, you may need to use the IRS recovery process. The exact steps depend on how the number was issued and what access you have to the IRS online account.
Does an IP PIN stop all tax fraud?
No single tool can stop every type of fraud, but an IP PIN can make it much harder for someone to file a fraudulent return using your child’s Social Security number.
Bottom line
To get an IP PIN for your child online, start with the IRS online account process, verify identity, and follow the prompts for identity protection services. If the online route is not available, use the IRS’s alternate verification method rather than forcing the process. For related family money topics, you may also find can I open a checking account for my child and how to build credit at 18 helpful.