Who do I need to give my Social Insurance Number (SIN) to?

Do not give your Social Insurance Number (SIN) to just anyone! It is confidential.

Some government organizations or private businesses ask for the SIN because it is a simple way to identify you. Many use it as a client account number so that they don't have to set up their own numbering system.

Only some government departments and programs are allowed to collect and use your SIN. However, there is no law that stops organizations from asking for it.

When to Give Your SIN

Here are some people and government departments or programs that are allowed to collect and use your SIN:

Your employer - After you are hired
Employment Insurance Programs (EI)
Canada Student Loan Program (CSLP)
Canada Pension Plan (CPP)
Canada Revenue Agency (CRA) - When you file income taxes
Financial Institution - Must report interest earned in your accounts to the government

This is not a complete list. You can find more examples in the When to provide your SIN section on the Service Canada website.

When You Do Not Have to Give Your SIN

You do not have to give your SIN when you:

First, apply for a job (but you do after you are hired)
Apply for a rental home (you can if you allow a credit check)
Negotiate a lease with a landlord
Apply for a credit card
Rent a car
Sign up for a cell phone
Apply to a college or university

Can banks ask for my SIN?

You can open a bank account if you don't have a SIN as long as it does not earn interest. If you earn interest on money in your account. According to Service Canada, “Financial institutions must collect your SIN to report your income (such as interest and dividends) to the government for tax purposes.”

For More Information

Social Insurance Number - Answers to questions about the Social Insurance Number. From Service Canada.
Protecting your SIN - How to protect your SIN from inappropriate use, fraud, and theft. From Service Canada.
Your Social Insurance Number - Your Social Insurance Number identifies you. You also need it to work in Canada. Find out if you are eligible for one and how to get it.