EIN vs ITIN vs SSN: What Non-Residents Need to Know (2026)

Three little acronyms cause endless confusion for non-residents: EIN, ITIN and SSN. Here is the simple breakdown of what each is and which you actually need.

SSN (Social Security Number)

For US citizens and work-authorised residents. Most non-residents cannot get one — and do not need it to run a US LLC.

EIN (Employer Identification Number)

Your business tax ID. Required to open a US bank account, set up Stripe/PayPal and file taxes. Every LLC needs one. See how to get an EIN without an SSN.

ITIN (Individual Taxpayer Identification Number)

A personal tax ID for non-residents who must file a US tax return or be reported on one. Not everyone needs it. See our ITIN guide.

Which do you need?

• Running an LLC: EIN (almost always enough).
• Personal US filing requirement: add an ITIN.
• SSN: generally not available or needed.

FAQ

Can I open a US bank account with just an EIN?

Yes — fintech banks accept passport + EIN.

Do I need both EIN and ITIN?

Often just the EIN; add ITIN only if you personally must file.

Start with 3Companion

3Companion forms US & UK companies for non-residents in 150+ countries — LLC, C-Corp, EIN/ITIN, banking and compliance, 100% remote. Start your application or message us on WhatsApp for a free consultation.