Update Request: Incorrect ITIN Checksum in Apple Card Application

I’ve been trying to apply for the Apple Card using my ITIN instead of an SSN, in the last step, I received an error: “The SSN you entered is not in the proper format.”


I firmly believe that utilizing an ITIN as an alternative to an SSN for the purpose of applying for an Apple Card is a viable and acceptable option. Because my friends applied for an Apple Card successfully by using ITIN.


After conducting research, I have identified two articles that provide valuable insights. One is sourced from IRS(https://www.irs.gov/pub/irs-pdf/p1915.pdf), while the other originates from Microsoft(https://learn.microsoft.com/en-us/purview/sit-defn-us-individual-taxpayer-identification-number).


These articles explain what an ITIN is.

An ITIN is a tax processing number, issued by the Internal Revenue Service, for certain resident and nonresident aliens, their spouses, and their dependents. It is a nine-digit number beginning with the number “9”, has a range of numbers from "50" to "65", "70" to "88", “90” to “92” and “94” to “99” for the fourth and fifth digits and is formatted like a SSN (i.e. 9XX-7X-XXXX).


Upon attempting to apply for the Apple Card once more by altering the fourth and fifth digits to "70", I no longer met with the error(The SSN you entered is not in the proper format).


I am certain that the checksum for the ITIN needs to be updated, as the IRS has revised the format of the ITIN. Numbers from "50" to "65" are also being acceptable.


MacBook Air 15″

Posted on Aug 6, 2025 7:38 AM

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6 replies

Aug 6, 2025 7:55 AM in response to jiali729

Are you trying to apply on the web? If so use the Wallet app on an iPad/iPhone. Not sure if the web application allows ITIN, and there are many more requirements for verification and acceptance.


Eligibility depends on these requirements and applying on the web without an iPad/iPhone limits the use of the card:

  • To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
  • You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
  • You need an iPhone or iPad with the latest iOS or iPadOS. 
  • You need to be signed in to your Apple Account and use two-factor authentication.
  • If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
  • You might need to verify your identity with a Driver's License or State-issued photo ID.


Aug 6, 2025 8:41 AM in response to jiali729

jiali729 wrote:

If I use the Wallet app, it will show: “Apple Card services are currently unavailable.”
After altering the fourth and fifth digits, I can successfully submit the application in iPad/iPhone.
So I think the checksum for ITIN is out of date, apple need to update it as the IRS has revised the format of the ITIN.

It's possible, you can send feedback to Apple here and under Product Category, choose Apple Card.

Feedback - Apple Pay - Apple


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Update Request: Incorrect ITIN Checksum in Apple Card Application

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