National Insurance Number

What it is

A National Insurance Number (NINO) is a unique identifier issued by HM Revenue & Customs. It records your tax and social security contributions. UK universities and Student Finance use it to verify your identity and confirm that you have the right to live or work in the country.

Most UK residents receive a NINO at age 16, but newcomers can apply online and attend an interview, providing evidence such as a biometric residence permit, settled status proof, or passport. Processing can take several weeks, so apply early if you are relocating.

Why it matters

Student Finance England often asks for your NINO to prevent fraud and confirm residency length. Without it, your loan assessment can pause until you provide alternative documents.

Employers and placement providers also need the number before paying you legally. If your degree includes paid placements or part-time work, having a NINO speeds up onboarding and reduces delays in receiving wages.

Common mistakes

• Waiting until enrolment: Application slots can fill quickly, so book your NINO appointment as soon as you arrive in the UK.
• Submitting photocopies: The Department for Work and Pensions needs original ID at the interview, not scans.
• Confusing it with the NHS number: These are separate identifiers; only the NINO links to Student Finance and employment.

How UniStart helps

UniStart sends reminders to apply for a NINO if you mention that you recently moved to the UK. Advisors can review the evidence list with you so you attend the appointment prepared, but issuance remains the government’s decision.

Next steps

• Visit GOV.UK via the UniStart app to start your NINO application.
• Book a call with an advisor if you need help proving residency history for Student Finance.
• Read our guide on the documents to bring to a NINO interview.