You should give your Social Security number (SSN) when legally required for tax, benefit, or identity verification, such as when starting a job, opening bank accounts, applying for loans/credit, or dealing with government agencies (IRS, DMV, Social Security). However, be cautious and ask why it's needed, as you aren't always required to provide it for things like store credit cards, gym memberships, or apartment rentals; you can sometimes offer alternatives like the last four digits.
You should be careful about sharing your number, even when you're asked for it. You should ask why your number is needed, how it'll be used, and what will happen if you refuse. The answers to these questions can help you decide if you want to give out your SSN.
You need an SSN to get a job, collect Social Security benefits, and receive certain government services. Your employer will ask for your SSN to report your wages. Although many other businesses, such as banks and credit companies, also ask for your number, you aren't required to provide it.
An identity thief could try to use your Social Security number to do things like open accounts, take out a loan, file taxes, or get a job.
While it might be convenient, it's not safe to email or text your SSN. Why? Because a hacker might intercept the number and use it to commit fraud.
To send your Social Security Number (SSN) safely, avoid standard email/text; use secure online portals, encrypted file sharing (like password manager features or dedicated services with expiring links), or password managers for sharing; and always verify the recipient's legitimacy, providing the SSN in person or via phone call if digital methods aren't possible, never over an unencrypted message.
You should be careful about sharing your number. The following information is from the Social Security Administration and the Federal Trade Commission. A dishonest person who has your Social Security number can steal your identity and apply for loans or credit cards in your name.
Get help for identity theft
If someone has used your SSN to open a new account or make a purchase: Report it at IdentityTheft.gov and find out what to do next, including obtaining an FTC Identity Theft Report and a recovery plan.
Clues That Someone Has Stolen Your Information
Merchants refuse your checks. Debt collectors call you about debts that aren't yours. You find unfamiliar accounts or charges on your credit report. Medical providers bill you for services you didn't use.
Open bank accounts and credit cards in your name
Scammers can use your SSN and information to open bank accounts or apply for credit cards without your knowledge. These accounts can be used to take out loans or rack up massive debts—all under your name.
There are times when you will need to give your social security number. These include: Anything that requires tax reporting, such as employers reporting your income. Banks for monetary transactions such as getting a loan or opening a line of credit.
If you live in the US, we might need your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) when making a transfer from USD, ordering a Wise card or opening USD account details.
The Social Security number was developed for this pur- pose. This unique configuration, plus the fact that an SSN is used for many purposes besides employment (income tax returns, bank accounts, drivers' licenses, and so forth), makes the number easily recognizable.
With a stolen SSN, criminals posing as you can: Open fraudulent credit cards and bank accounts. File or collect tax returns. Access government benefits.
An identity thief who has your social security number and other personal information could do a number of things with it, including:
If you're asked for your Social Security number, ask if you can show another form of identification or use another number instead. Never give out your Social Security number when shopping online. Do not give out your Social Security number over the phone if someone calls you.
To send your Social Security Number (SSN) safely, avoid standard email/text; use secure online portals, encrypted file sharing (like password manager features or dedicated services with expiring links), or password managers for sharing; and always verify the recipient's legitimacy, providing the SSN in person or via phone call if digital methods aren't possible, never over an unencrypted message.
Remember that some government agencies can require your SSN. These agencies include DMV, welfare offices, and tax agencies. Look for the required "disclosure" form. The form should state if giving the number is required or optional, how it will be used, and the agency's legal authority to ask for it.