Registering for online access to your CRA account

The CRA provides online account access for registered users through one of three portals: “My Account,” “My Business Account” and “Represent A Client.” Topic 163 provides a listing of some of the available services for My Account and My Business Account users. Similarly, topic 164 lists some of the services available to authorized representatives accessing tax accounts through Represent A Client.

Regardless of which portal is used, the individual seeking access must first register with the CRA in order to obtain online access credentials, as more fully explained under the heading “Individual registration.” In addition, individuals wishing to act as authorized representatives and to use the Represent A Client portal to access the account of another individual or a business not owned by them also need to obtain a RepID, as more fully covered under the heading “Representative registration.”

Although this initial registration process appears quite complex, it achieves the following security-related objectives:

  • It confirms the identity of the individual.
  • It confirms that the individual has authorization to access the individual or business account.

Individual registration

Anyone wishing to access their personal account, the accounts of a business they own or the individual or business accounts of other taxpayers must register with the CRA, at which time they will have the choice of obtaining a CRA user ID or using their existing online banking credentials (provided they bank with one of the CRA’s Sign-in Partners). Currently, those partners include BMO Financial Group, TD Banking Group, Tangerine, Choice Rewards MasterCard and Scotiabank, but more are likely to sign on in the future. An individual can have multiple CRA user IDs, as well as using their banking credentials. This might be useful, for example, where they want to maintain separate log-in credentials for their personal and business accounts or a separate set of credentials when accessing accounts as an authorized representative.

Registration is a three-step process:

(1) Confirm identity (and link to sign-in credentials): Where the individual wishes to obtain access to their personal tax account or the business accounts where they are the business owner, they will need to provide their SIN, their date of birth, their current postal code and an amount from a random line on either their current or previous year’s tax return (and the BN of the business, if applicable). Where the individual is only registering to be able to act as a representative, they will need to provide the eight-character access code from their most recent personal Notice of Assessment and their current postal code.

(2) Initial access setup: Individuals have the option of creating a CRA user ID and password or using their existing online banking credentials (limited to the Sign-in Partners noted above).

(3) Validation for CRA user ID only: Once the entered information is confirmed, the CRA will send a Security Code by mail to the individual. The Security Code must be entered on the first log-in to validate the user ID or banking credentials and provide access.

Representative registration

Individuals are considered representatives in relation to the personal tax accounts of other individuals or business tax accounts where they are not one of the owners of the business. This means that in addition to individuals traditionally defined as representatives, such as third-party tax preparation providers, employees of a business can also be considered a representative.

After registering as a representative, the individual will receive a unique seven-character RepID that they must provide to any individual or business that they wish to represent. The individual or business owner enters the RepID in the appropriate area in their online account to authorize the representative or on a third-party authorization form that is filed with the CRA (Form T1013).

Where the representative is a business itself, it registers using its BN, which becomes its RepID. In turn, employees of the representative must then obtain individual RepIDs that they will provide to the firm to link to the firm’s BN.