{"id":12352,"date":"2026-05-04T18:42:00","date_gmt":"2026-05-04T18:42:00","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=829"},"modified":"2026-05-04T18:45:33","modified_gmt":"2026-05-04T18:45:33","slug":"sin-lost-stolen-what-to-do","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/tax-tips\/sin-lost-stolen-what-to-do\/","title":{"rendered":"What to do if your SIN is Lost or Stolen"},"content":{"rendered":"\n<p>You have to be careful who you give the number to and where you keep it because it can easily be used to steal your identity. So what happens when you can\u2019t find this card? Well, whether it is lost or stolen, you want to prevent someone from using it to identify where it has been used as soon as possible.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Does Your SIN Tell You About You?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/services\/sin\/reports\/code-of-practice.html#h2.1\">Social insurance numbers<\/a> have been around since 1964, and were originally created to identify people applying for employment insurance (EI), known as unemployment insurance at the time. Since it is possible for people to have the same name, a SIN is different.<\/p>\n\n\n\n<p>Each SIN is a unique nine-digit number that is only given out once, even after the person is deceased. The government keeps track of all the numbers in a Social Insurance Registry, and linked to each number is your name, date of birth, place of birth, and parents\u2019 names. The date of death is also recorded to help avoid fraud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What it Means When Your SIN Starts With 9?<\/h2>\n\n\n\n<p>If your SIN starts with 9, this means that your SIN is temporary. These numbers are for temporary residents. Canadian citizens and permanent residents have cards that begin with a different number. Once you\u2019re approved, you\u2019ll get your sin card or confirmation of SIN letter.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Temporary SINs for Newcomers and Work Permit Holders<\/h2>\n\n\n\n<p>If you receive a temporary SIN you\u2019re either an international student, foreign worker, or temporary resident who\u2019s able to work in Canada. These numbers are valid until the expiry date of your immigration document. This could be either a work or study permit, and can be renewed for a permit extension. This can be done with the required documentation and a new SIN application form.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Where to Find Your Social Insurance Number<\/h2>\n\n\n\n<p><strong>If you have a SIN number but you can\u2019t find it, or you have forgotten it,<\/strong> there are a few different places it can be found:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On your income tax return or NOA included with tax refunds<\/li>\n\n\n\n<li>Tax Slips like T4S<\/li>\n\n\n\n<li>Record of Employment (ROE) from your employer<\/li>\n\n\n\n<li>RRSP contribution slips<\/li>\n\n\n\n<li>Submitting an application for confirmation to the CRA (Canada Revenue Agency)<\/li>\n<\/ul>\n\n\n\n<p>All of these different methods will help you get your SIN number if you can\u2019t seem to find your card. However, if none of these are an option, you may have to go to your local Service Canada branch in person.<\/p>\n\n\n\n<p>You are unable to do it online because you need to prove your identity before the number will be issued. They will likely ask for proof of address as well as any immigration documents if applicable. In order to avoid thi,though, it is usually a good idea to keep your SIN in a safe place where you can remember it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Getting a Replacement SIN Card<\/h2>\n\n\n\n<p>If you have a plastic card that does not have an expiry date, the federal government is no longer issuing these. If you submit a SIN request, they will issue you a SIN confirmation letter in paper format. This is mainly because a card isn\u2019t needed. You only need to know your SIN number. Whether you memorize it or have it on other documents, such as the SIN letter, as long as you have it, that is all that you need.<\/p>\n\n\n\n<p>In some instances, if your SIN has been stolen, you can get a new SIN but it does not erase the old one. So even after you do all the required things, it is important to still keep an eye out.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can You Get a New SIN Number Twice?<\/h3>\n\n\n\n<p>While you can get a new SIN number twice, it\u2019s usually under extenuating circumstances. The only way you can get the second one is by providing clear evidence that your current SIN is being used for fraudulent activity. If your number is lost, stolen, or damaged, then you can\u2019t get a new number, but you can get a replacement confirmation letter.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Find a SIN for Your Child<\/h2>\n\n\n\n<p>Once you register your child\u2019s birth, you should receive a SIN number for them. If they are under a year and have not registered their birth, you can apply online. Each Province has a Newborn Registration Service. If you live in a territory, though, you will not be able to register online and have to go directly into a Service Canada centre to apply.<\/p>\n\n\n\n<p>The number should be issued within 5 business days of the birth registration being completed. If you have already gotten your child\u2019s SIN number but you have lost or forgotten it, then you would just go through the same process through the Service Canada offices that are mentioned above. Both processes are the same if you lost or forgot your or your child\u2019s SIN number.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Identity Theft With Your SIN Number<\/h2>\n\n\n\n<p>It is very important to keep your SIN number safe. If it falls in the wrong hands, it can be used to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Invade your privacy<\/li>\n\n\n\n<li>Steal your identity<\/li>\n<\/ul>\n\n\n\n<p>Because your SIN number is used for anything credit-related as well, it can also lead to loss of any government benefits that you have or hurt your credit score.<\/p>\n\n\n\n<p>If someone else gets hold of your SIN number, it can be used to make big purchases in your name. It can also be used to obtain new credit cards, loans and even open bank accounts. Someone who has stolen your identity can also use it to start a new job under your name, which may require you to pay back taxes. You can also lose any tax credits you may have received otherwise.<\/p>\n\n\n\n<p>All of the other information needed for someone to steal your identity can usually be found quite easily; that is why it is so important to guard your SIN number. If it gets stolen and used, it can be quite a headache to get everything rectified.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Difference Between Identity Theft and Identity Fraud<\/h2>\n\n\n\n<p>While identity theft and identity fraud both involve your identity, they are very different things. Identity theft involves stealing someone else\u2019s personal information and using it for criminal purposes. It usually involves techniques like dumpster diving, mail theft, phishing or even database breaches.<\/p>\n\n\n\n<p>Identity fraud is what occurs when the stolen information is used. Whoever stole your identity can commit fraud in a number of ways including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accessing your computer\/email<\/li>\n\n\n\n<li>Accessing your bank accounts<\/li>\n\n\n\n<li>Opening new bank accounts<\/li>\n\n\n\n<li>Transferring bank balances<\/li>\n\n\n\n<li>Applying for loans and credit cards<\/li>\n\n\n\n<li>Buying good and services<\/li>\n\n\n\n<li>Hiding criminal activities<\/li>\n\n\n\n<li>Getting passports or receiving government documents<\/li>\n<\/ul>\n\n\n\n<p>You can protect your own SIN by being wary of any unsolicited e-mails, text messages, and mail that is asking for your personal information. You can also check your credit reports and bank statements regularly, shed personal documents, retrieve your mail on a regular basis, and notify financial institutions and relative institutions when you move.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=sin-lost-stolen-what-to-do\"><img decoding=\"async\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dealing With a Stolen SIN Card<\/h2>\n\n\n\n<p>If your SIN is stolen, you actually do have a few different options. The first thing you want to do is call Service Canada. It is important to have it reported that your number was stolen. You also want to call the Canadian Anti-Fraud Centre and report the theft. This can help them figure out who stole your SIN. You should also report it to the police.<\/p>\n\n\n\n<p>Another thing you can do to protect yourself is to report it to the credit bureaus. When a lender uses your SIN number or tries to run your credit report at all, they have to validate the check before they can make an approval. They will usually contact you via phone. You should also keep an eye on your credit report yourself to verify that everything on there was done by you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens if You Give Your SIN to Scammers?<\/h2>\n\n\n\n<p>If this happens, you are at high risk for identity theft. Your SIN can be used to open fraudulent bank accounts\/credit cards, claim government benefits, or even work legally in your name. This can ruin your credit score and even create legal issues or tax issues.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ways You Can Protect Your SIN Number<\/h2>\n\n\n\n<p>A few ways you can prevent your SIN from being stolen are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Don\u2019t carry your card on your person<\/li>\n\n\n\n<li>Don\u2019t use it as a piece of Identification<\/li>\n\n\n\n<li>Only provide it if you know it is legally required<\/li>\n\n\n\n<li>Don\u2019t give it out via phone call unless you made the call, and it is also legally required<\/li>\n\n\n\n<li>Don\u2019t reply to emails asking for it<\/li>\n\n\n\n<li>Shred any documents that have your SIN instead of saving them<\/li>\n\n\n\n<li>Make updates when any of your personal information changes, such as your name<\/li>\n\n\n\n<li>Make any necessary reports as soon as you suspect any fraudulent activity with your card<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Signs Your Card Has Been Compromised<\/h2>\n\n\n\n<p>If your SIN has been compromised, there are many signs to consider. These include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Unexplained credit inquiries<\/li>\n\n\n\n<li>Unexplained new accounts<\/li>\n\n\n\n<li>Unfamiliar employers on your T4 list<\/li>\n\n\n\n<li>Fraudulent collection calls<\/li>\n\n\n\n<li>Unexpected account charges<\/li>\n\n\n\n<li>Receiving data breach notices<\/li>\n\n\n\n<li>Receiving suspicious calls about \u201csuspended\u201d SINs<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">When Should You Supply Your SIN Number?<\/h3>\n\n\n\n<p>When it comes to your SIN number, there are only a few times when you actually need to supply it. A few of these times are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>When you get hired for a new job<\/li>\n\n\n\n<li>Completing your income tax information or for other tax purposes<\/li>\n\n\n\n<li>Opening an account with a bank or credit union where you incur interest<\/li>\n\n\n\n<li>Trying to access government programs and benefits like the Canada Pension Plan<\/li>\n<\/ul>\n\n\n\n<p>There are many other instances where you may be asked to supply your SIN number. These instances aren\u2019t illegal, but they also aren\u2019t a legal requirement. Some of these are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To prove your identity<\/li>\n\n\n\n<li>Apply for a job<\/li>\n\n\n\n<li>Rent a property<\/li>\n\n\n\n<li>Cash a cheque<\/li>\n\n\n\n<li>Get a loan or a mortgage<\/li>\n\n\n\n<li>Rent a Car<\/li>\n\n\n\n<li>Sign up for a cell phone, internet or cable<\/li>\n\n\n\n<li>Write a will<\/li>\n\n\n\n<li>Complete a medical questionnaire<\/li>\n\n\n\n<li>Apply to a university or college<\/li>\n<\/ul>\n\n\n\n<p>While the person who asks for your SIN in these cases may make it seem like you need to supply them with it, it is actually not recommended. They are able to get the information that they need without your SIN number, and supplying it for cases like this could end up in the wrong hands.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Employers Verify Your SIN With Service Canada<\/h2>\n\n\n\n<p>Once an employer has your SIN, it\u2019s verified using a math algorithm known as the Luhn algorithm.\u00a0 Sometimes, they may also confirm them with Service Canada. Another way employers are able to verify employee details is by calling a division of Service Canada and providing their CRA business number.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Place Fraud Alerts With Equifax and TransUnion<\/h2>\n\n\n\n<p>In order to place a fraud alert with both credit bureaus, you only need to contact one of them. Each bureau is required to notify the other if a fraud alert is reported. You can alert them by calling the bureau or notifying them through their website. You can also send in a fraud alert via mail if you choose. Once you\u2019ve filed an alert, it will stay on your credit report for 6 years.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reporting SIN Fraud to the CRA<\/h2>\n\n\n\n<p>If you feel your SIN has been compromised, the best thing you can do is contact the CRA right away to secure your account. Then you should contact Service Canada to report the theft, and file a report with the Canadian Anti-Fraud Centre.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Long it Takes to Recover from Fraud<\/h2>\n\n\n\n<p>How long it takes to recover from fraud depends on the type of fraud that occurred, the severity of the incident, and how fast the fraud is detected. It can range anywhere from a day to over a year.&nbsp;<\/p>\n\n\n\n<p>If you report the fraud within 72 hours, this increases the likelihood of a fast recovery from fraud. Delays in the process can increase how long it takes to get your money back. If the fraud is with a credit card, the fraud is often resolved quickly. More complex cases can take months or even years to investigate; however, only time will tell how long it will take.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your social insurance number (SIN) is super important in regards to your identity. It is used to identify yourself to the federal government, receive pay from employment, apply and receive credit lines as well as many other things. <\/p>\n","protected":false},"author":23,"featured_media":3453,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[],"class_list":["post-12352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-tips"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What to do if your SIN is Lost or Stolen - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/fr\/blog\/tax-tips\/sin-lost-stolen-what-to-do\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What to do if your SIN is Lost or Stolen - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"Your social insurance number (SIN) is super important in regards to your identity. It is used to identify yourself to the federal government, receive pay from employment, apply and receive credit lines as well as many other things.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/springfinancial.ca\/fr\/blog\/tax-tips\/sin-lost-stolen-what-to-do\/\" \/>\n<meta property=\"og:site_name\" content=\"Spring Financial\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/springfinancial\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-04T18:42:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-04T18:45:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2022\/11\/636417a1b454c.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"680\" \/>\n\t<meta property=\"og:image:height\" content=\"380\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jessica Steer\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jessica Steer\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/\"},\"author\":{\"name\":\"Jessica Steer\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#\\\/schema\\\/person\\\/33a6ea920a4b1c4924d6b2de718e5c2b\"},\"headline\":\"What to do if your SIN is Lost or Stolen\",\"datePublished\":\"2026-05-04T18:42:00+00:00\",\"dateModified\":\"2026-05-04T18:45:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/\"},\"wordCount\":2051,\"publisher\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/springfinancial.ca\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/636417a1b454c.jpg\",\"articleSection\":[\"Tax Tips\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/\",\"url\":\"https:\\\/\\\/springfinancial.ca\\\/fr\\\/blog\\\/tax-tips\\\/sin-lost-stolen-what-to-do\\\/\",\"name\":\"What to do if your SIN is Lost or Stolen - 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