Tax Year 2026 Is Open

File Form 1099-INT Online for 2026

Report interest income with a simpler filing process. Upload recipient information in bulk, validate your data, e-file with the IRS, manage state filing, and deliver recipient copies, all with TaxZerone.

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✓IRS-authorized
✓SOC 2 Type II
✓Federal + state
✓Secure Recipient Copies

CORRECTED (if checked)

PAYER'S name, street address, city or town, state or province, country, ZIP or foreign postal code, and telephone no.

​

​

​

PAYER'S TIN

​

RECIPIENT'S TIN

​

RECIPIENT'S name

​

Street address (including apt. no.)

​

City or town, state or province, country, and ZIP or foreign postal code

​

FATCA filing requirement

Account number (see instructions)

​

Payer's RTN (optional)

1 Interest income

$

​

OMB No. 1545-0112

Form1099-INT

(Rev. January 2024)

For calendar year

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2 Early withdrawal penalty

$

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3 Interest on U.S. Savings Bonds and Treasury obligations

$

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4 Federal income tax withheld

$

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5 Investment expenses

$

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6 Foreign tax paid

$

​

7 Foreign country or U.S. territory

8 Tax-exempt interest

$

​

9 Specified private activity bond interest

$

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10 Market discount

$

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11 Bond premium

$

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12 Bond premium on Treasury obligations

$

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13 Bond premium on tax-exempt bond

$

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14 Tax-exempt and tax credit bond CUSIP no.

15 State

16
State identification no.

​

​

Interest
Income

Copy B

For Recipient

This is important tax
information and is
being furnished to the
IRS. If you are
required to file a
return, a negligence
penalty or other
sanction may be
imposed on you if
this income is
taxable and the IRS
determines that it has
not been reported.

17 State tax withheld

$

​

$

Form1099-INT(Rev. 1-2024)(keep for your records)

www.irs.gov/Form1099INT

Department of the Treasury - Internal Revenue Service

Start at just $2.49, with bulk filing prices as low as $0.59 per form.

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✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail✦Bulk upload✦TIN matching✦Data validation✦Federal e-filing✦State filing✦Schedule filing✦ZeroneVault delivery✦Print and mail
1099-INT Basics

What is Form 1099-INT?

Form 1099-INT, Interest Income, is an IRS information return used to report interest paid or credited to a recipient during the calendar year.

Banks, credit unions, and other payers generally use this form when the interest they pay meets the applicable reporting threshold. Filing helps the IRS track interest income and helps recipients report it accurately.

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Form 1099-INT

2026

Recipient

John Doe

TIN

XXX-XX-1234

Box 1, Interest income

$1,250

Box 4, Federal income tax withheld

$0

Box 3, Interest on U.S. Savings Bonds and Treasury obligations

$85

✓ Ready for filing
Filing Basics

Who files Form 1099-INT and who receives it?

Understand when your organization must report interest payments, and who generally receives the form.

Who Must File Form 1099-INT?

Payers generally file Form 1099-INT when they pay or credit reportable interest and meet the applicable reporting requirements.

  • ✓
    Banks and credit unions
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    Other financial institutions paying interest
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    Businesses paying reportable interest in the course of trade or business
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    Payers withholding federal income tax on interest
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    Payers that paid foreign tax on interest

Who Receives Form 1099-INT?

Recipients generally receive Form 1099-INT when they are paid or credited interest that meets the applicable reporting rules.

  • ✓
    Savings and checking account holders
  • ✓
    Certificate of deposit holders
  • ✓
    Holders of U.S. Savings Bonds and Treasury obligations
  • ✓
    Lenders paid interest by a business
  • ✓
    Recipients of tax-exempt interest
Interest paid or creditedDividends and Distributions

A bank, financial institution, or other payer.

A corporation, mutual fund, or other investment payer.

Interest earned on eligible accounts, deposits, or debt investments.

Dividends or other reportable distributions from investments.

A bank credits $200 in interest to a customer's savings account during the year

A company distributes $200 in dividends to a shareholder who owns its stock.

Form 1099-INT

Generally used to report reportable interest income.

Form 1099-DIV

Generally used to report reportable dividends and distributions.
Important Dates

2026 Form 1099-INT filing deadlines

Keep your interest reporting on schedule with these important Tax Year 2026 dates.

FEBRUARY 2027

MONDAY

1

Filing Deadline

Recipient Copies

February 1, 2027

Furnish Form 1099-INT copies to recipients by the applicable deadline.

Electronic filing

March 31, 2027

Applicable deadline for e-filing Form 1099-INT with the IRS.

Stay ahead of the 2026 filing season by preparing recipient information and reviewing payments before the deadline.

Explore 1099-INT deadlines

Need an Extension to File with the IRS?

Request an extension to file Form 1099-INT with the IRS electronically using Form 8809.

Need an Extension to Furnish Recipient Copies?

Request an extension to furnish Form 1099-INT recipient copies using Form 15397.

Get an Extension now
Filing Requirements

What information do you need?

Gather these details before preparing your Form 1099-INT returns.

Payer Information

  • Business or payer name
  • Employer Identification Number (EIN)
  • Business address
  • Contact information

Recipient Information

  • Recipient's legal name
  • Recipient's taxpayer identification number (TIN), such as an EIN or SSN, as applicable
  • Recipient's address
  • Tax classification, when relevant

Payment Information

  • Interest amounts for each applicable box
  • Federal income tax withheld, if applicable
  • Foreign tax paid, if applicable
  • Applicable state information
  • State income tax withheld, if applicable
How it Works

How to e-file Form 1099-INT

File your forms through a simple prepare-to-deliver workflow

STEP 01

Enter or Upload

Enter payer and recipient details manually or upload your 1099-INT data in bulk using supported Excel or CSV files.

STEP 02

Review & Validate

Review payment amounts, recipient details, and taxpayer identification information. Correct missing or inaccurate information before submission.

STEP 03

E-file & Deliver

Electronically file your forms with the IRS, manage applicable state filing, and securely deliver recipient copies electronically through ZeroneVault or by mail

Start filing Now

Filing Tips

Common Form 1099-INT Filing Mistakes

Avoid errors before you submit your forms.

Incorrect amounts: Review interest figures against your financial records.

Recipient details: Check names, addresses, and TINs.

Wrong reporting boxes: Report each amount in the appropriate box.

Missed requirements: Check thresholds, withholding rules, and deadlines.

1099-INT Filing Features

Everything you need for 1099-INT filing

Tools that make reporting interest income easier, more accurate, and more convenient.

Bulk upload

Upload multiple contractor records using supported Excel or CSV files instead of entering each form manually.

Data Validation

Check payer details, recipient information, and payment amounts for missing or potentially incorrect data before filing.

TIN Matching

Verify taxpayer identification information to help reduce mismatches between recipient names and TINs.

1099-INT Corrections

Prepare and submit corrected forms when previously filed information needs to be updated.

Federal filing

Electronically submit Form 1099-INT to the IRS and manage your filing status.

State filing

Prepare and manage applicable state 1099 filing requirements alongside your federal filing

Schedule filing

Prepare forms in advance and schedule submissions for a later date, where available.

Employee Copies

Deliver recipient copies electronically through ZeroneVault or choose postal mailing for physical copies.

State Filing

Handle 1099-INT state filing alongside federal filing

Manage applicable federal and state Form 1099-INT reporting requirements through one workflow.

Federal Filing

IRS

+

State Filing

Applicable State Agency

One workflow for your filing requirements

TaxZerone helps you prepare and manage applicable federal and state filing information without switching between multiple workflows.

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Prepare state information

✓

Review state reporting data

✓

Manage applicable state filing

✓

Track filing status

Explore State filing
Schedule filing

Prepare Today. Schedule Your Filing.

Prepare your Form 1099-INT returns before the deadline and schedule filing for a later date.

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Prepare contractor forms ahead of deadlines

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Reduce last-minute work

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Keep filing activities organized

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Manage multiple filing dates

Filing Schedule

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Recipient Copies

Share 1099-INT copies with recipients

Complete your filing workflow by providing recipients with their required copies.

ZeroneVault

Secure Delivery via ZeroneVault

✓

Convenient access: Recipients can securely access their 1099-INT forms online, eliminating the need for printing or mailing.

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Data Security: ZeroneVault keeps sensitive data safe during electronic sharing.

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User-Friendly: Recipients can download or print their forms at their convenience.

Traditional Postal Mailing

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Physical copy: For those who prefer paper, TaxZerone offers postal mailing services for 1099-INT forms.

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Timely Delivery: Recipient copies are mailed promptly to meet deadlines, ensuring compliance.

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Convenience: You can focus on your business while we handle the mailing process for you.

Form 1099-INT Pricing

Calculate Your Form 1099-INT Filing Cost

Enter your number of Form 1099-INT forms and see your estimated filing cost instantly. Add optional services if needed.

Form 1099-INT E-filing

Price per form
Number of FormsPrice per form
1 to 25$2.49
26 to 50$1.99
51 to 100$1.59
101 to 250$1.29
251 to 500$1.09
501 to 1000$0.79
1001 and above$0.59

How many forms are you filing?

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State Filing

File Form 1099-INT forms with applicable states

$0.99/form

$0.99

Print & Mail

Mail physical Form 1099-INT copies to employees.

$1.75/form

$1.75

ZeroneVault

Securely deliver employee Form 1099-INT copies electronically.

$0.50/form

$0.50

Forms

1 × $2.49

Selected add-ons

None

Add-on cost

$0.00

Total Price

Based on your selected services

$2.49

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FAQs

Your Form 1099-INT questions, answered

Find answers to common questions about IRS Form 1099-INT, including its purpose, Tax Year 2026 deadlines, interest income reporting requirements, and the differences between Forms 1099-INT and 1099-R.

IRS Form 1099-INT is used by banks, financial institutions, and government agencies to report interest income earned by a taxpayer during the tax year.

Key Uses and Details

  • Reporting Threshold: Financial institutions must issue this form if they pay you at least $10 in interest (or if they withheld federal taxes under backup withholding rules).
  • Income Tracking: The Internal Revenue Service (IRS) uses a copy of the form to verify that the interest income you report on your federal tax return matches what your bank or broker reported.
  • Tax Filing: You use the figures on the form to report taxable interest (like savings account earnings) and informational interest (like tax-exempt municipal bonds) on your tax return.

The due dates for Form 1099-INT (Interest Income) for the most recent tax year (Tax Year 2025, filed in 2026) are February 2, 2026, for recipients, March 2, 2026, for paper IRS filing, and March 31, 2026, for electronic IRS filing.

For the upcoming Tax Year 2026 (filed in early 2027), the standard deadlines are:

Form 1099-INT Deadlines (Tax Year 2026)

  • To Recipients: February 1, 2027 (shifted from Jan 31 because it falls on a Sunday)
  • IRS Paper Filing: March 1, 2027 (shifted from Feb 28 because of the weekend)
  • IRS Electronic Filing (E-file): March 31, 2027

Form 1099-INT is a document that financial institutions and banks use to report interest income paid to an individual or entity over the course of the tax year.

As an account holder or bank customer, you do not fill out Form 1099-INT yourself. Your bank or financial institution is responsible for filling out and issuing this form to you (usually by January 31) if they paid you $10 or more in taxable interest on accounts like a standard savings account, certificate of deposit (CD), or certain types of bonds.

Form 1099-INT reports taxable or tax-exempt interest income, while Form 1099-R reports distributions from retirement accounts, pensions, and annuities

FeatureForm 1099-INT (Interest Income)Form 1099-R (Retirement Distributions)
PurposeReports interest paid on bank deposits, savings accounts, certificates of deposit (CDs), U.S. savings bonds, and loans.Reports payouts or distributions from IRAs, pensions, profit-sharing plans, annuities, and insurance contracts.
Issued byBanks, credit unions, brokerage firms, and other financial institutions.Plan administrators, IRA custodians, and insurance companies.
Reporting ThresholdGenerally required if the interest paid is at least $10 (or $600 for certain business interest).Generally required for distributions of $10 or more.
Key DetailsBox 1 shows ordinary taxable interest, and Box 3 shows U.S. savings bond interest.
For more details learn about Form 1099-INT Instructions
Shows the gross distribution, the taxable amount, federal/state tax withheld, and a distribution code (in Box 7) that explains if the payout is normal, an early withdrawal, or a direct rollover.