Why do I need to provide my TIN?
As a regulated Electronic Money Institution (EMI), Pliant is required under international tax regulations, including the Common Reporting Standard (CRS) and the Foreign Account Tax Compliance Act (FATCA), to collect Tax Identification Numbers (TINs) from certain account holders and their Ultimate Beneficial Owners (UBOs).
A TIN is a unique identifier issued by tax authorities and is used to determine tax residency and ensure proper reporting to the relevant authorities. These obligations help promote global tax transparency and prevent tax evasion.
If you or your UBOs are tax residents outside of your account’s jurisdiction, you may be asked to provide your TIN. Without it, your onboarding may be delayed or your information may be reported as incomplete. All data is handled securely and in accordance with GDPR.
Where to find my TIN
Your TIN can be found on different documents depending on your country. Use the following guide to help you find it.
Austria
What it’s called: Steuernummer
Format: 9 digits (e.g., NN-NNN/NNNN)
Where to find it: On the top right corner of your tax assessment notice (Steuerbescheid), or via the Finanzonline portal
Belgium
What it’s called: Numéro National (NN) / Rijksregisternummer
Format: 11 digits (e.g., YY.MM.DD-NNN.CC)
Where to find it: On the back of your national identity card, Social Security Card (SIS card), or residence card for foreigners.
Finland
What it’s called: Henkilötunnus (HETU)
Format: 11 characters (e.g., DDMMYYCZZZQ)
Where to find it: On your passport, national identity card (Henkilökortti), or driver's license (Ajokortti).
France
What it’s called: Numéro fiscal or Numéro d'identification fiscale (NIF)
Format: 13 digits, always starting with 0, 1, 2, or 3 (e.g., NN NN NNN NNN NNN)
Where to find it: On the first page of your income tax assessment notice (avis d'imposition) or pre-filled tax return.
Germany
What it’s called: Steuerliche Identifikationsnummer (IdNr)
Format: 11 digits (e.g., NN NNN NNN NNN)
Where to find it: On your income tax assessment (Einkommensteuerbescheid), annual wage tax statement (Lohnsteuerbescheinigung), or an informational letter from the Federal Central Tax Office (BZSt).
Important: This is different from the Steuernummer, a separate number issued by your local tax office that can change.
Ireland
What it’s called: Personal Public Service Number (PPSN or PPS No.)
Format: 7 digits followed by 1 or 2 letters (e.g., NNNNNNNL or NNNNNNNLL)
Where to find it: On tax documents (like a tax assessment or P60), payslips, a Public Services Card, or a Social Welfare card.
Italy
What it’s called: Codice Fiscale
Format: 16 characters (e.g., LLLLLLNNLNNLNNNL)
Where to find it: On your national health insurance card (Tessera Sanitaria) or a dedicated Codice Fiscale card.
Luxembourg
What it’s called: Numéro d'identification national
Format: 13 digits (e.g., YYYYMMDDNNNCC)
Where to find it: On your social security card (Carte de sécurité sociale).
Netherlands
What it’s called: Burgerservicenummer (BSN)
Format: 9 digits
Where to find it: On the front or back of your passport, national identity card, or driver's license.
Poland
What it’s called: PESEL or Numer Identyfikacji Podatkowej (NIP)
Format: PESEL is 11 digits; NIP is 10 digits.
Where to find it: The PESEL is on your ID card (Dowód osobisty) and passport. The NIP is on the official NIP assignment decision from the tax office.
Portugal
What it’s called: Número de Identificação Fiscal (NIF)
Format: 9 digits
Where to find it: On your Citizen Card (Cartão de Cidadão) or a specific TIN card from the tax authority.
Spain
What it’s called: Número de Identificación Fiscal (NIF)
Format: 9 characters (e.g., NNNNNNNNL for Spanish nationals, LNNNNNNNL for foreign nationals)
Where to find it: For Spanish nationals, on the national ID card (DNI). For foreign nationals, on the Foreigner's Identity Card (TIE) or NIE assignment certificate.
Switzerland
What it’s called: AHV-Nummer / Numéro AVS (Social Security Number)
Format: 13 digits (e.g., NNN.NNNN.NNNN.NN)
Where to find it: On your social insurance card (AHV-Ausweis / certificat d'assurance AVS) or health insurance card.
United Kingdom
What it’s called: National Insurance Number (NINO)
Format: 2 letters, 6 numbers, 1 letter (e.g., LLNNNNNNL)
Where to find it: On payslips, a P60, letters from HMRC, a National Insurance card, or your Personal Tax Account online.
United States
What it’s called: Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
Format: 9 digits (e.g., NNN-NN-NNNN)
Where to find it: The SSN is on a Social Security Card. The ITIN is on an authorization letter from the IRS.
Need more help?
If you’re still unsure after checking the documents above, here’s what you can do:
Ask a professional: Your accountant or a qualified tax advisor should have this information readily available.
Contact your national tax authority: You can find more information directly from your country's tax office.
Consult the OECD TIN Portal: This resource provides detailed information on TIN formats for many countries. Visit the OECD TIN Portal.