What is a National Insurance number?
A National Insurance number is a unique personal number used throughout your life in the UK. It consists of two letters, six numbers, and a final letter. Once assigned, it stays with you permanently and helps the government track your National Insurance contributions and tax records.
HM Revenue and Customs uses your National Insurance number to link your earnings and contributions to your personal record. This record determines your entitlement to certain state benefits, including the State Pension. Employers need it when you start a job, and you will be asked for it when applying for benefits, student loans, or opening certain financial accounts.
Your National Insurance number is not proof of identity on its own. It should not be treated as a form of ID in the way a passport or driving licence would be.
When and how do you get one?
If you were born in the UK and your parent or guardian claimed Child Benefit for you, you will usually receive your National Insurance number automatically. It arrives by post shortly before your sixteenth birthday. You do not need to apply for it.
If you did not receive one automatically, or if you have moved to the UK from abroad and have the right to work, you will need to apply. You can start an application online through GOV.UK. Jobcentre Plus, which is part of the Department for Work and Pensions, may then ask you to attend an interview or provide documents to verify your identity.
The letter you receive confirming your National Insurance number is the official record. National Insurance cards ceased production in 2010, so while some people may still have their old cards, new ones are not issued. Keep your letter somewhere safe. If you lose it, you can find your number through your personal tax account on GOV.UK, on your P60, on your PAYE coding notice, on previous payslips, or on letters about your tax, pension or benefits from HMRC.
Your situation may be slightly different. ask a question below ↓ and our editorial team will reply with our advice.
Why it matters for identity theft
Using someone else's National Insurance number without permission is illegal. If a fraudster obtains yours alongside other personal details, they may attempt to work under your name, claim benefits fraudulently, or use it as part of a wider identity theft scheme.
Because your number is linked to your earnings and tax record, any misuse can create problems that take time to resolve. You might find unexpected employment records appearing on your file, receive tax demands for work you did not do, or discover that someone has claimed benefits in your name.
To reduce the risk of misuse:
- Only share your National Insurance number when required by legitimate authorities or processes, such as your employer, HMRC, or your pension provider.
- Exercise caution with any unsolicited contact requesting your number. HMRC will not contact you out of the blue to ask for it.
- Avoid carrying documents showing your National Insurance number unless necessary.
- Ensure secure disposal of old paperwork containing your National Insurance number by shredding.
- Review your personal financial documents and records regularly for any discrepancies.
What to do if you think your number has been misused
If you suspect someone is using your National Insurance number fraudulently, contact HMRC as soon as possible. They can check your record for any unusual activity and advise on the next steps. You can report the issue through the GOV.UK website or by calling the National Insurance helpline.
You should also check your credit report for any unexpected accounts or applications. The three main credit reference agencies in the UK are Experian, Equifax, and TransUnion. Reviewing your report can help you spot signs that your personal details are being used elsewhere.
If you believe you are a victim of identity fraud more broadly, report it to Action Fraud, the UK's national reporting centre for fraud and cybercrime. They can provide a crime reference number and guidance on protecting yourself further.
Thanks
Brenda
My purse has been stolen containing my NI card. What should I do?
Rosie
My purse has been stolen and my NI card was in it...what do I do
Rosemary
I just found out that my first employer ha using my NI without my permission even after I left job from there.i left job from there in 2015 but on 29 August I received letter saying I owe *** this amount so I have to oy tax but when I look at the statement my old employer paid me salary which is for 5 months.but I stoped working for him in 2015 should I report him to police that he has used my NI without my consent and I wasn’t working there????
I cancelled my cards, reported it to the police and told HMRC.
Should I have told Action Fraud?
Im worried about my National Insurance number falling into the wrong hands.
I am terrified.
Please can you help
.please can you help me
Having googled this, it seems that this is required for them to check up to date details on your driving licence from the gov.uk website. However, as far as I understand it, the way this should work is that the person looking for insurance should input these details on line and the system then provides a time limited access code which the person gives to the insurance company for them to check for themselves. This then obviates the need to disclose all these details.
It seems that insurance companies are not being transparent in asking for these details. The other thing is, who decided that the NI number should be used in trying to verify DVLA information? Does this mean that the DVLA and various government departments share all your data? Big brother truly abounds!!
Someone stole my wallet and I hade inside all my documents, included my National insurance number. I have a copy of it, but there is something worse I have to do, maybe if they sell it to some one?
Thank you
so that can apply for an attachment of earnings order through court - if the tenant leaves a pile of debt behind.
But it is now again being investigated!! It is becoming a joke it's been a nightmare.
I am very worried about this letter as it was not only hand delivered it also contains my correct NI Number.
How can someone get it and what can they do with it?
Also i just keep getting passed around, who do i need to contact?
Thank you
Iv just applied for a overseas teaching job. The agent is asking for my NI number to make sure I'm not a paedophile, but surely it cannot be used to check that. Of course im more than willing to do the Disclosure (old CRB).
Is this a scam?!
The HR dept where I work has just called me to say that when they were processing year end payroll the name for my national insurance number had changed.
The name just happens to be the same as my ex husbands partner.
I'm still trembling as it was a big shock , I'm 52 years old and have never had any issues like this before. Can't speak to my ex - we parted because of his violence/abuse.
Why , how would anyone want to change the name ?
I'm really worried , thank you
Lorraine
I certainly don't want these in my possession and very concerned about the acts of this person and if they have taken any identity from me.
I informed HMRC straight away and it's currently 'under investigation' and when I called them earlier I was told that this 'company' hasn't replied to HMRC in 6 months to confirm that I have never worked for them?! Why would it take a legitimate company 6 months to tell them that they have no record of me working there?
What should I do? Pay the tax just now and reclaim later when this mess is sorted or let this progress with interest being added to this amount owed?
Please help I'm completely in the dark here.
I'm very concerned that I'm at risk of identity fraud.
Thank you.
Thank you
Had literally left a rucksack in my car outside my house for a few minutes. In those few minutes the rucksack was gone. The car was broken into but had no damage. It appears there is a device that can open Ford Focus cars easily....anyway... In the bag was my mother's bank statements, her bank cards, her National Insurance number on various letters and what she gets, council tax letters, Bank cards and my drivers license.
Is there anything I can do to protect my mum and myself now? I have reported the bank cards and statements to the bank and the police.
No I did not work for this company and have not done so ever nor have I ever received a salary from them or any tax refunds with regards to this salary.
But HMRC can confirm my National Insurance number was used in 2015 for employment purposes.
It certainly wasn't used by me and I did NOT work for this company.
Does this sound like FRAUD and/ or IDENTITY THEFT ??!!!
Should I be worried about fraud?
He will use any means to get money or disrupt someone's life of he can't get want he wants.
I have called up HMRC & the person I spoke to was very dismissive.
Please advise.
"I have just been asked to providemy NI number, Name, Dob To stand as a guarantor for a student whowants to rent a room...Are these information relevant or it it an identity risk to provide such information?"
Goji - 26-Sep-16 @ 11:49 AM
Or is it just that I am registered to pay Tax and NI?
Got Tax Refunds. Also !! I received a letter from HMRC stating that send your correct NI Number and details we don't have your correct details !! I called them b4 years also told them I received letter like this ! I send all my p60s to them last 12 years ! And again I received a letter again ! Is it a scam or send by HMRC
I have also been getting a large volume of cold calls on my mobile which has obviously been obtained from CV on my Job Search page, they keep asking for personal information, don't know if there's any relation.
Around two years back, I was always charged 20% of my weekly earnings towards ni and tax, when I enquired they wrote me back with the name of the shop.. And mentioned that I have been working two places, I have never ever done 2 jobs in my life.
After much research I finally found out which shop used my NI NUMBER..
What are my options ? I have been a victim of identity theft. Can I make a claim against the owner of the business ?
Please help me in this issue.
regards,
Ali
But now again i need to come to UK for a new project.
Please advice me what should i do to get a new one, also what will be the effect if it has been misused by some one else.
Thanks,
Megan
Thanks
So I went down to there office and the first thing they asked is what can I do for you I told them I'm here to register for a job they said cool can I take a photocopy of your details I said sure. next thing she said was she needs my bank details I said ill have to text my wife she has my card ill get them from her and she said that is no good we need to photocopy both sides of the card. then something told me this doesn't sound right I challenged her why do you need to copy both sides and she said its for security reasons. Then walked over to the copy machine and said my birth certificate isn't real I said of coarse it is I used it to get my marriage certificate and to apply for a passport then her behaviour changed when I asked for my details back she became very strange and insisting that she takes a copy. I had to ask her three times for my details back. and as I was leaving she said English **** I couldn't believe what she said I just walked away. In my eyes and with her behaviour she seem to want to keep hold of my details so badly it was just very odd. just be safe everyone with your details because they can be sold on by anyone that seems legit
A copy of my local government pension scheme which details my previous job, name, address and national insurance number has been emailed from a hacked email address and gone into a bogus email account. What should I do please and what are the risks involved?
I have accidentally emailed a file containing my national insurance number, personal information of my full address and benefit, social security ifetails to a lady in Kenya, instead of a copy of a receipt of items sent to charity. I am now worried this could be used for illegal/ fraudulent activity. Iv tried phoning the benefits center andcould not get to speak to a person. What shall I do?? Please help I am really concerned.
Sarah Palmer
My bank account was recently hacked on which all my money was taken this has all been sorted out but now someone has hacked my emails and is applying for loans and have sent one loan company my payslip which has my NI number on and everything, what can I do about this can I apply for a new one or can something be sorted ?
Look forward to your response
Kind regards
Nicole
Thanks
Thank you.
What should I do?
The manager of the company emailed me and said thank you the check all looks okay, my induction would be 5th Sept, and he would contact me next few days with the details.. times etc. Did not hear anything at all. Googled the company's phone number and realised it was a scam. Have been to police and reported it, also my bank. They have confirmed it is identity theft. The passport office have sent over my details to their fraq squad, and advised that i get a new passport.My bank have cancelled my card and reported it to fraud, and I got a crime ref from the police. I am worried about my ni number. What can they do with it? Can they use it? Do I need to phone tax people or hmrc?
how can i make sure no one uses this.
Thank you
A M Hope
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