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What is a SIN (Social Insurance Number)?
A Social Insurance Number (SIN) is a 9-digit number issued by Service Canada. You need a SIN to work in Canada, file taxes, access government benefits, and open interest-bearing bank accounts. Most SINs for new immigrants start with 9 (temporary SIN, valid while your immigration status remains valid).
🔑 Apply for your SIN as soon as you arrive in Canada. You need it to receive payroll, OSAP deposits, government benefits, and to open full bank accounts.
How to Apply for a SIN in Canada
Option 1: Apply Online (Fastest)
Apply at canada.ca/sin-application. Processing time: typically 5–15 business days. You’ll receive your SIN by mail. Requires scanning your immigration documents.
- Available for permanent residents, temporary workers, international students
- Submit digital copies of your identity documents
- Get your SIN letter by mail with your number
Option 2: In-Person at Service Canada (Same-Day)
Visit a Service Canada location (servicecanada.gc.ca/find). Bring all required documents. Receive your SIN the same day in most cases — the fastest method if you need it immediately for employment or OSAP.
- No appointment needed at most locations
- Bring primary ID + supporting document
- Service Canada is in most major Canadian cities and towns
Documents Required for a SIN Application
| Status | Primary ID | Supporting Document |
|---|
| Canadian citizen (born in Canada) | Canadian birth certificate | Province ID or passport |
| Canadian citizen (naturalized) | Canadian citizenship certificate | Passport |
| Permanent resident | PR card or COPR | Passport |
| International student | Study permit (IMM 1442) | Passport |
| Foreign worker | Work permit | Passport |
| Refugee claimant | Notice of Consideration or Protected Person | Passport or travel document |
What Can You Do With Your SIN?
SIN Required For:
- Working legally in Canada (employer requires SIN for payroll/T4)
- Filing Canadian income tax returns
- Opening interest-bearing bank accounts (KOHO does not require SIN to start)
- Opening RRSP, TFSA, FHSA investment accounts
- Receiving OSAP and other student aid
- Applying for EI (Employment Insurance)
- Receiving CPP/OAS pension in retirement
- Applying for the Canada Child Benefit (CCB)
Frequently Asked Questions
How long does it take to get a SIN in Canada?
In-person at Service Canada: same day. Online application: 5–15 business days by mail. If you need your SIN urgently for employment, visit a Service Canada office in person with your documents. The SIN is issued on the spot at in-person appointments in most cases.
Can I open a bank account without a SIN in Canada?
KOHO can be opened without a SIN — just a passport and email. Traditional banks (TD, RBC, Scotiabank) require a SIN for interest-bearing accounts. Some banks will open a basic non-interest account without a SIN and update it when you receive your SIN. Get your SIN as soon as possible to access full banking services. Use code 45ET55JSYA at KOHO for a $100 bonus while you wait for your SIN.
Is a SIN starting with 9 different from a regular SIN?
Yes — SINs starting with 9 are issued to temporary residents (international students, temporary workers, refugee claimants). They function the same as permanent SINs for employment and banking purposes, but they expire when your immigration authorization expires. When you become a PR or citizen, you receive a new permanent SIN starting with a different digit.
How do I protect my SIN number?
Never share your SIN unless legally required (employer for T4, CRA, government benefits, bank for interest reporting). Do not carry your SIN card or letter in your wallet. Never email your SIN. Shred any documents with your SIN. Your SIN is a primary target for identity theft. If you believe your SIN was compromised, contact Service Canada (1-800-206-7218) and place a fraud alert with Equifax and TransUnion.
What bank should I open first before getting my SIN?
KOHO — open in minutes with just a passport. Use code 45ET55JSYA for a $100 welcome bonus. KOHO gives you a Visa card you can use immediately for purchases, receive e-transfers, and set up as a temporary deposit account. Once your SIN arrives, add it to your KOHO account and then open your full bank account at TD, RBC, or Scotiabank for mortgages and investments.
Disclaimer: Information is for general guidance only and subject to change. Verify current requirements with relevant authorities. Not financial or immigration advice. Bremo.io may earn referral compensation from partner links.