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ITIN Card USA – Full Guide for Non-Residents & NRIs
What is an ITIN?
The ITIN (Individual Taxpayer Identification Number) is a 9-digit number issued by the Internal Revenue Service (IRS) for individuals who need a U.S. taxpayer ID but are not eligible for a Social Security Number (SSN).
Format: 9XX-XX-XXXX
Purpose: To file taxes, open U.S. bank accounts, claim tax treaty benefits, and more.
Why Do You Need an ITIN?
You need an ITIN if you:
Are a non-resident earning U.S. income
Need to file a federal tax return
Want to open a U.S. bank account
Need to claim dependents or be claimed as a spouse
Invest in U.S. property or businesses
Apply for a home loan or tax refund
Who Should Apply?
ITIN is useful for:
NRIs or foreigners not eligible for SSN
Spouses or dependents of U.S. taxpayers
Foreign investors or landlords with U.S. income
International students, scholars, or teachers under F, J, M, Q visas
Documents Required
Mandatory:
Form W-7 (ITIN Application)
Federal tax return (unless exempt)
Original identity proof (any one of the following):
Passport (preferred)
National ID from country of origin
Foreign driver’s license
Birth certificate (for dependents)
Documents must be original or certified by the issuing agency. Photocopies or notarized copies are not accepted.
How to Apply for an ITIN
Option 1: By Mail
Fill Form W-7
Attach tax return and ID documents
Send to:
IRS ITIN Operation
P.O. Box 149342
Austin, TX 78714-9342
USA
Option 2: In Person
Visit:
IRS Taxpayer Assistance Center (TAC)
Certified Acceptance Agent (CAA)
Option 3: Through a Tax Consultant
Hire a U.S.-based CPA or immigration tax expert.
Processing Time
Normal: 7–11 weeks
May be longer during tax season (January–April)
ITIN Renewal
Your ITIN may expire if:
Not used in last 3 consecutive years
Has middle digits like 88, 90–92, 94–99
You must renew your ITIN before filing a return.
What ITIN Is NOT
Not a work permit- Not a Social Security Number
- Not proof of immigration status
- Does not give the right to work in the USA
Benefits of Having an ITIN
File U.S. tax returns legally
Claim dependents & refunds
Open U.S. bank account
Comply with IRS requirements
Useful for getting a mortgage
Quick Summary Table
| Feature | Description |
|---|---|
| Issuing Authority | IRS (USA) |
| Number Format | 9XX-XX-XXXX |
| Work Authorization | No |
| Tax Filing & Refunds | Yes |
| Used for Bank/Mortgage | Yes |
| Expires if Unused 3 Years | Yes |
Frequently Asked Questions (FAQ) – ITIN USA
1. 
What is the difference between ITIN and SSN?
SSN (Social Security Number) is for U.S. citizens and eligible residents with work authorization.
ITIN is for those not eligible for SSN but need to file taxes or fulfill other IRS obligations.
2. Can I work in the USA with an ITIN?
No. An ITIN does not grant work authorization or legal immigration status in the U.S.
3. Can I open a bank account in the U.S. with an ITIN?
Yes, many banks accept ITIN to open accounts, especially for NRIs or non-residents doing business or investing in the U.S.
4. Do I need an ITIN to buy property in the U.S.?
Yes, if you’re a foreign investor, you need an ITIN to report income from rent/sale of property and to file taxes.
5. Is a passport enough to apply for an ITIN?
Yes, a valid passport is often the only document required for identity and foreign status — unless you are claiming dependents, in which case additional documents may be needed.
6. How long does it take to get an ITIN?
It usually takes 7 to 11 weeks from the date the IRS receives your complete application. It may take longer during tax season.
7. Does the ITIN expire?
Yes. Your ITIN will expire if:
Not used on a tax return for 3 consecutive years
It contains certain middle digits (e.g., 88, 90–92, 94–99)
8. Can I renew an expired ITIN?
Yes, you must file Form W-7 again with updated documents and check the “Renewal” box.
9. Is an ITIN required for dependents living outside the U.S.?
Yes, if you want to claim a dependent exemption or tax credit for them on your U.S. tax return.
10. Can I e-file my tax return when applying for an ITIN?
No. The first year you apply for an ITIN, you must file your return by mail with the Form W-7. Once you have an ITIN, you can e-file future returns.
Learn how to apply for an ITIN (Individual Taxpayer Identification Number) in the USA. Step-by-step process, eligibility, required documents, renewal, and benefits for NRIs and non-residents.