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E-File Form 1099-INT Online for Tax Season 2026-27
File your 2026 Form 1099-INT with the IRS using Form1099Online.
Report interest payments, prepare recipient forms, and complete your IRS filing online with Form1099Online. Enter payer and recipient details, review your interest income information, and submit your forms electronically for the 2027 filing season.
- Easy online preparation: Complete Form 1099-INT without installing tax software.
- IRS electronic filing: Submit your 2026 interest income returns online.
- Multiple filing options: Enter individual forms or import multiple records.
- Pay when you submit: Create an account and prepare forms without upfront payment.
What Is Form 1099-INT?
Form 1099-INT, Interest Income, is an IRS information return used to report certain interest payments made during a tax year.
Banks, credit unions, financial institutions, businesses, and other qualifying payers use Form 1099-INT to report interest paid to recipients. The payer files the form with the IRS and provides a copy to the recipient.
Form 1099-INT commonly reports:
- ✓ Interest paid on savings accounts and certificates of deposit (CDs).
- ✓ Interest on U.S. Savings Bonds and Treasury obligations.
- ✓ Tax-exempt interest from certain municipal bonds.
- ✓ Interest paid on qualifying business debts.
- ✓ Federal income tax withheld from interest payments.
For tax year 2026, Form 1099-INT reports applicable interest paid or credited from January 1 through December 31, 2026. Required information returns are filed in 2027.
Who Must File Form 1099-INT for 2026?
A payer generally must file Form 1099-INT when it makes reportable interest payments that meet IRS reporting requirements.
For tax year 2026, the main filing requirements include:
$10 or more in interest:
File when payments reportable in Boxes 1, 3, or 8 meet the standard $10 reporting threshold.
$2,000 or more in certain business-interest payments:
This threshold applies to specified interest payments made in the course of a trade or business.
Federal backup withholding:
File when federal income tax was withheld under backup withholding rules and was not refunded, regardless of the interest amount.
Foreign tax withholding:
File when foreign tax was withheld and paid on interest under the applicable reporting rules.
The $2,000 threshold applies to certain payments previously subject to a $600 threshold. It does not replace the standard $10 reporting requirement for ordinary interest income.
Some payments and recipients are exempt from Form 1099-INT reporting. Check the applicable IRS instructions to determine whether a return is required.
What Information Do You Need to File Form 1099-INT?
Before preparing Form 1099-INT, gather the payer’s information, recipient details, and interest payment records for the 2026 tax year.
Payer Information
- Legal business or organization name.
- Business address.
- Employer Identification Number (EIN) or other applicable Taxpayer Identification Number (TIN).
Recipient Information
- Recipient’s legal name.
- Mailing address.
- Social Security Number (SSN), EIN, or other applicable TIN.
- Account number, when required.
Interest Payment Information
Enter the applicable amounts in the correct Form 1099-INT boxes.
| Box | Information to Report |
| Box 1 | Interest income |
| Box 2 | Early withdrawal penalty |
| Box 3 | Interest on U.S. Savings Bonds and Treasury obligations |
| Box 4 | Federal income tax withheld |
| Box 6 | Foreign tax paid |
| Box 8 | Tax-exempt interest |
| Box 9 | Specified private activity bond interest |
Additional boxes may apply depending on the type of interest payment.
Review payer and recipient TINs carefully before submitting your return to help prevent incorrect information reporting.
Form 1099-INT Filing Deadlines for Tax Year 2026
Payers must file Form 1099-INT with the IRS and furnish recipient statements by the applicable deadlines.
The following are the general filing deadlines for the 2026 tax year:
| Filing requirement | 2027 Deadline |
| Furnish Copy B to recipients | February 1, 2027 |
| File Form 1099-INT on paper with the IRS, if eligible | March 1, 2027 |
| E-file Form 1099-INT with the IRS | March 31, 2027 |
The standard January 31 recipient deadline and February 28 paper filing deadline move to the next business day because those dates fall on Sunday in 2027. Special recipient reporting rules may apply to trustees and middlemen of widely held fixed investment trusts (WHFITs).
How to E-File Form 1099-INT Online with Form1099Online
Form1099Online provides an online filing process for preparing and submitting Form 1099-INT.
Step 1: Create Your Account
Visit Form1099Online and register for an account. You can begin preparing your forms without providing payment details upfront.
Step 2: Select Form 1099-INT
Choose Form 1099-INT and select tax year 2026 to report interest payments made during that year.
Step 3: Enter Payer, Recipient, and Interest Details
Enter the payer’s business information, recipient details, and reportable interest amounts. If you’re filing multiple forms, use the available bulk import feature to upload payer and recipient information through a supported Excel or CSV template.
Step 4: Review and Submit Your Forms
Verify the information entered on each form. Check recipient names, TINs, addresses, and interest amounts before proceeding.
Complete the required payment and submit your forms electronically to the IRS.
Step 5: Track Filing Status and Obtain Copies
Access your submitted forms, check filing status, and download available form copies from your account. Provide recipient copies by the applicable deadline using an IRS-compliant delivery method.
Why Choose Form1099Online for 1099-INT Filing?
Prepare Forms Online
Enter payer information, recipient details, and interest amounts directly into the online filing system. No software installation is required.
File Multiple Forms with Bulk Import
Upload multiple payer and recipient records using the available bulk import feature. This reduces the need to enter each record individually.
Check Recipient TIN Information
Use the available TIN matching service to check recipient name and TIN combinations against IRS records before filing.
Access Filed Forms and Submission Status
Review your submitted forms, track filing status, and download available copies for your business records.
Choose Recipient Delivery Options
Form1099Online offers recipient copy options, including printing, downloading, and USPS mailing services. Electronic recipient delivery must meet applicable IRS consent and disclosure requirements.
Prepare Now, Pay When You Submit
Create an account and enter form information without an upfront filing payment. Review the available filing prices before submitting.
Frequently Asked Questions
What is Form 1099-INT used for?
Form 1099-INT is an IRS information return used to report interest income paid or credited during a tax year. It includes taxable interest, interest on U.S. Treasury obligations, tax-exempt interest, and applicable tax withholding.
Who is responsible for filing Form 1099-INT?
Banks, credit unions, financial institutions, businesses, and other qualifying payers are responsible for filing Form 1099-INT with the IRS when their interest payments meet the applicable reporting requirements.
What is the Form 1099-INT reporting threshold for 2026?
The general reporting threshold for Form 1099-INT is $10 or more in interest reportable in Boxes 1, 3, or 8. For certain interest payments made in the course of a trade or business under Section 6041, the 2026 reporting threshold is $2,000. Special withholding rules may require reporting regardless of the payment amount.
What types of interest are reported on Form 1099-INT?
Form 1099-INT reports qualifying interest from savings accounts, certificates of deposit (CDs), U.S. Savings Bonds, Treasury obligations, certain business debts, and tax-exempt municipal bonds.
What information is required to file Form 1099-INT?
Form 1099-INT requires the payer’s name, address, and Taxpayer Identification Number (TIN), along with the recipient’s name, address, TIN, and reportable interest amounts. Additional information includes applicable tax withholding and other amounts required in specific form boxes.
What is the Form 1099-INT e-filing deadline for tax year 2026?
The IRS electronic filing deadline for 2026 Form 1099-INT is March 31, 2027. The general recipient statement deadline is February 1, 2027, and the paper filing deadline for eligible filers is March 1, 2027.
What is the difference between Form 1099-INT Copy A and Copy B?
Copy A is submitted to the IRS to report interest income paid to recipients. Copy B is furnished to the recipient and contains the interest income and withholding information reported by the payer.
What is the difference between Form 1099-INT and Form 1099-OID?
Form 1099-INT reports interest income, including interest paid or credited on qualifying accounts and debt instruments. Form 1099-OID primarily reports original issue discount, which is a form of interest income associated with certain debt instruments issued at a discount.