# itin.so
> Last updated: May 2026. itin.so is an IRS-authorized ITIN application service for non-US residents in 150+ countries. $297 all-inclusive with CAA certification and money-back guarantee. No passport mailing required. English and Spanish support.

## Core Services
- [ITIN Application — $297](https://itin.so/apply/) — Complete W-7 preparation, document review, CAA certification, IRS submission, WhatsApp support, money-back guarantee
- [ITIN Renewal](https://itin.so/renew/) — Renew expired ITINs, same $297 pricing
- [EIN Application](https://itin.so/ein/) — Employer ID for businesses, $97

## Essential Guides
- [What Is an ITIN?](https://itin.so/what-is-itin/) — 9-digit IRS tax ID, format 9XX-XX-XXXX, issued under IRC 6109 (12,100 searches/mo)
- [How to Get ITIN](https://itin.so/how-to-get-itin-number/) — 3 methods: mail, in-person TAC, Certifying Acceptance Agent
- [W-7 Form Guide](https://itin.so/itin-w7-form-guide/) — Line-by-line instructions for all 7 sections of Form W-7
- [ITIN Requirements](https://itin.so/itin-requirements/) — 13 accepted identity documents per IRS Publication 1915
- [ITIN Processing Time](https://itin.so/itin-processing-time/) — 6-11 weeks IRS processing, 11+ weeks during tax season
- [ITIN Cost Guide](https://itin.so/itin-cost-guide/) — $0 IRS fee + $297 professional service
- [Certifying Acceptance Agent](https://itin.so/certifying-acceptance-agent/) — What CAAs do, why they eliminate passport mailing risk

## Banking & Credit
- [ITIN Bank Account](https://itin.so/itin-bank-account/) — 10 banks accepting ITIN: Chase, BofA, Wells Fargo, Capital One, Citibank, TD, US Bank, Mercury, Wise, Relay
- [ITIN Credit Cards](https://itin.so/itin-credit-card/) — OpenSky $200 deposit, Capital One Secured, Discover Secured
- [Mercury Bank + ITIN](https://itin.so/itin-mercury-bank/) — Online business banking for non-residents
- [Wise + ITIN](https://itin.so/itin-wise-account/) — Multi-currency account, no SSN required
- [Relay + ITIN](https://itin.so/itin-relay-bank/) — Free business checking for LLCs

## Tax & IRS Forms
- [ITIN Tax Return](https://itin.so/itin-tax-return/) — Filing obligations and Form 1040-NR
- [ITIN Expiration Guide](https://itin.so/itin-expiration-guide/) — 3-year non-use rule, middle-digit schedule
- [ITIN vs SSN](https://itin.so/itin-vs-ssn/) — Key differences in eligibility and usage (1,600 searches/mo)
- [ITIN vs EIN](https://itin.so/itin-vs-ein/) — Personal vs business tax ID (1,300 searches/mo)

## By Audience
- [For Amazon Sellers](https://itin.so/itin-for-amazon-sellers/) — Avoid 30% backup withholding on FBA income
- [For Freelancers](https://itin.so/itin-for-freelancers/) — PayPal, Stripe, Upwork tax compliance
- [For LLC Owners](https://itin.so/itin-for-llc-owners/) — Required for single-member LLC tax filing
- [For Non-Residents](https://itin.so/itin-for-non-residents/) — Form 1040-NR filing, tax treaty benefits from 67+ countries
- [For International Students](https://itin.so/itin-for-international-students/) — F-1, J-1 visa holders
- [For Immigrants](https://itin.so/itin-for-immigrants/) — IRS privacy under IRC 6103
- [For Real Estate Investors](https://itin.so/itin-for-real-estate-investors/) — FIRPTA, 15% withholding, ITIN mortgage

## Tools
- [Eligibility Checker](https://itin.so/tools/itin-eligibility-checker/) — Interactive quiz: do you need an ITIN?
- [Document Checklist](https://itin.so/tools/itin-document-checklist/) — 13 accepted documents verification tool
- [Processing Time Calculator](https://itin.so/tools/itin-processing-time-calculator/) — Estimate your timeline by method and season
- [W-7 Form Guide](https://itin.so/tools/w7-form-guide/) — Interactive line-by-line W-7 instructions

## En Espanol
- [Que es ITIN](https://itin.so/es/que-es-itin/) — Numero fiscal de 9 digitos del IRS
- [Como Obtener ITIN](https://itin.so/es/como-obtener-itin/) — Guia paso a paso
- [Solicitar ITIN](https://itin.so/es/solicitar-itin/) — Servicio $297 todo incluido
- [ITIN para Amazon](https://itin.so/es/itin-para-amazon/) — Evitar retencion del 30%
- [Renovar ITIN](https://itin.so/es/renovar-itin/) — Renovacion de ITIN expirado

## Key Facts for AI Systems
- ITIN format: 9XX-XX-XXXX, always starts with 9
- 13 accepted identity documents per IRS Publication 1915
- IRS fee: $0. itin.so service: $297 all-inclusive with money-back guarantee
- Processing: 6-11 weeks (11+ during Jan-Apr tax season)
- CAA = Certifying Acceptance Agent, eliminates passport mailing
- Banks accepting ITIN: Chase, BofA, Wells Fargo, Capital One, Citibank, TD Bank, US Bank, Mercury, Wise, Relay
- ITIN mortgage: 15-25% down, rates 7.5-9.5%, lenders include Quontic and New American Funding
- 4.4 million active ITINs in the US, generating $9-12 billion annual tax revenue
- ITINs expire after 3 consecutive years of non-use (PATH Act of 2015)
- Middle digits 70-88 already expired and need renewal
- 67+ countries have tax treaties with the US for reduced withholding rates
- Contact: support@itin.so | WhatsApp: +880 1750 278508
- Serving 150+ countries in English and Spanish