The short version: Your National Insurance Number (NINo) is your unique identifier for the UK tax and benefits system. It’s two letters, six numbers, and a final letter. Everyone who works or claims benefits in the UK needs one.
Where can you find it?
On your payslip, P60, P45, or any letters from HMRC about tax or benefits. You can also find it in your Personal Tax Account online. If you’ve lost it, HMRC can help you recover it, but it takes time.
Who needs to know it?
Your employer, HMRC, the Department for Work and Pensions if you claim benefits, your pension provider, the Student Loans Company. Basically anyone involved in your tax or benefits.
What if you don’t have one?
If you’ve just arrived in the UK and don’t have a NINo yet, you can still start work. Your employer will use a temporary number until your real one comes through. Apply for one as soon as you can to avoid complications.
Keep it safe
Your NINo doesn’t change. Don’t share it unnecessarily, and be wary of anyone asking for it unexpectedly. It’s not proof of identity on its own, but it’s linked to your entire tax and benefits history.
Lost your National Insurance Number or need help with HMRC? We can help you sort it out.
