How to Find / Get My National Insurance Number (2026 Guide)
- 2 days ago
- 4 min read
Have you forgotten your National Insurance number? Or are you planning to get one but unsure about the process?
Below is a simple and friendly guide explaining everything -- how to find your National Insurance number, how to apply if you don’t have one yet, and who needs one.
What is National Insurance Number?
Your National Insurance number are unique numbers for personal reference used in the UK to:
make sure your tax and National Insurance contributions are recorded against your name;
help you work, pay tax and build entitlement to benefits like the State Pension.
It is made up of two letters and six numbers, and a final letter. Your NI Number stays with you for life so it is important to keep it with you.
HOW TO FIND YOUR NATIONAL INSURANCE NUMBER?
If you already have one but couldn't remember it, here are ways to help you:
Check documents you already have.
Your National Insurance number might be printed on your payslips, P60 tax summaries, official benefit letters, or letters from HMRC.
Use your online government gateway.
You can log in to your HMRC Personal Tax Account or the HMRC app to view and download a confirmation letter showing your National Insurance number.
This service requires you to sign in using your Government Gateway details. If you do not already have sign-in details, you will need to create a Government Gateway account first.
If HMRC cannot verify your identity online, they will send your National Insurance number to your registered address by post.
If you live abroad, you cannot use the online service. Instead, you will need to contact HMRC directly to request a letter confirming your National Insurance number.
Get HMRC to Send It by Post
If you can’t locate your NI numbers on your documents or online, you may contact HMRC to get a letter containing your NI number and it will be sent by post to your address. This can take up to 10 working days in the UK or 21 working days if you live abroad.
Always remember, HMRC won’t give your NI number over the phone or webchat for security reasons.
HOW TO GET YOUR NATIONAL INSURANCE NUMBER?
If you’ve never been issued a NI number, for example, you’ve just moved to the UK or turned 16, you need to apply for one:
Who can apply for a National Insurance Number?
You can apply for NI number if you live in the UK, have the right to work in the UK, or you are working, looking for work or have an offer to start work.
How to apply for National Insurance Number?
Applying for NI Number is online, and the only requirement is to prove your identity.
STEP 1. Go to the official GOV.UK Apply for a National Insurance number online service.
STEP 2. Have identity documents ready.
You may need to have the following documents ready before you start:
Passport
National Identity Card
If you do not have the above documents, you may still apply but you may need to attend an appointment in person to prove your identity.
STEP 3. Prove your Identity
Upload Photos: You'll need to take and upload a photo of yourself holding your passport or photos of any other identity documents.
If You Cannot Upload Photos: You can still apply online but,
your application will take longer
you may need to attend an appointment or post copies of your documents
you'll get an email telling you what to do after you've submitted your application.
STEP 4: After you apply
After applying, you will get an email with your application reference number. They will also state in the email if you need to provide further proof of your identity.
NOTE: It can take up to 4 weeks to get your National Insurance number after you've proved your identity.
Frequently Asked Questions
Can I get my National Insurance number online?
Yes. Log in to your HMRC Personal Tax Account or use the HMRC app to view and download a letter that confirms your National Insurance number.
Can I get my National Insurance number over the phone?
No. For security reasons, HMRC will not give your National Insurance number over the phone or through webchat. If you cannot access it online, they will send it to you by post.
How long does it take to receive my National Insurance number?
If you request it online and need it posted, it usually arrives within 10 working days. If you are applying for a National Insurance number for the first time, it can take up to 4 weeks after your identity has been verified.
My personal details changed, do I need to apply for a new NI number?
No. Your National Insurance number stays with you for life. You do not need to apply for a new one if your personal details change. However, you should inform HMRC if you change your name, address, and marital status.
Can I start work without my National Insurance number?
Yes. You can start working while waiting for your National Insurance number, as long as you have the right to work in the UK. Just let your employer know that you have applied.
Is my National Insurance number the same as my UTR?
No, they are different. Your National Insurance number tracks your National Insurance contributions and benefits while your Unique Taxpayer Reference (UTR) is used for Self Assessment tax returns.
How much is National Insurance?
The amount you pay depends on whether you are employed or self-employed and how much you earn. For employees in 2025/26, you usually pay 8% on earnings between £242 and £967 per week, and 2% on earnings above £967 per week. Read our full blog about it here.
Tips from DUO Accountants
Always store your National Insurance number safely once you find it.
Don’t share it unless necessary. It's a personal identifier.
If you’ve recently moved house or changed your name, make sure HMRC has your correct address -- that helps them post your NI number without delay.
If in doubt, stick to the official GOV.UK services -- there’s no need to pay third parties for help.
Whether you’re starting your first job, moving to the UK, or simply misplaced your number, getting or finding your National Insurance number is straightforward when you know where to look:
➡️ Check old payslips or letters
➡️ Use your HMRC tax account or app
➡️ Apply online if it’s your first time
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