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IRS & Financial· 5 min read

EIN vs. ITIN: Which Do You Need?

EIN and ITIN sound similar but solve different problems. Confusing them costs months of bank-account and tax-filing delays.

An EIN identifies a business entity to the IRS. An ITIN identifies an individual without an SSN. Most new businesses need an EIN; foreign-national individuals filing US returns need an ITIN.

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