Where to Fax Form 433-D (IRS Installment Agreement)
Form 433-D has no single public fax number. The right destination is the address or fax number the IRS gave you — on your notice, your letter, or from the revenue officer working your case. Here is exactly how to send it correctly.
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Fax numbers and addresses were last verified July 17, 2026. The IRS can change them at any time — always confirm against the official source: IRS.gov — Form 433-D (PDF).
There is no general fax number for Form 433-D
Form 433-D is the paperwork the IRS uses to record an installment agreement (a monthly payment plan) after the terms have already been worked out — usually as a direct-debit agreement drawn from your bank account. Because it belongs to a case that is already open, the IRS does not publish a catch-all fax line for it. The correct destination is always the one tied to your specific case: the address or fax number printed on the notice or letter the IRS sent you, or the number given to you by the revenue officer assigned to your account.
If no one has assigned you a fax number and you do not have a notice, that usually means you should not be faxing Form 433-D at all. The modern route is the IRS Online Payment Agreement tool, which sets up most installment agreements in minutes without mailing or faxing any 433-D. Use the sections below to figure out which path applies to you.
All Form 433-D fax numbers and mailing addresses
Every destination is listed below so you can confirm yours directly.
The address or fax number on your IRS notice, letter, or revenue officer contact
Fax number
From your IRS notice or letter
Form 433-D does not have a public fax number. Return the signed agreement to the address on the IRS notice or letter that proposed the installment agreement, hand it to the assigned revenue officer, or use the fax number that officer gives you. If you set up the plan through the IRS Online Payment Agreement tool, you do not file Form 433-D at all — the tool records the agreement for you.
What Form 433-D is and who uses it
Form 433-D, "Installment Agreement," is the document the IRS uses to memorialize the terms of a monthly payment plan for a balance you owe. It is not a request form and it is not where you propose a plan — by the time a 433-D is being signed, the amount, the monthly payment, and the payment date have already been agreed. The form captures your name, address, SSN and/or EIN, phone numbers, the amount you can pay now, the amount you will pay each month, and the day of the month you want the payment pulled. Most 433-D agreements are set up as Direct Debit Installment Agreements (DDIAs), which is why the form has fields for your bank routing and account numbers.
You will typically encounter Form 433-D in one of two situations. Either a revenue officer working your collection case prepared it and asked you to sign and return it, or the IRS mailed it to you as part of finalizing a plan you requested (for example, after you filed Form 9465, Installment Agreement Request, or negotiated terms by phone). In both cases the form is the last step, not the first — which is exactly why it does not have its own public fax number.
How to actually submit Form 433-D
Because Form 433-D is case-specific, you submit it back through the same channel the IRS used to reach you. If a revenue officer gave you the form, return it to that officer — they will tell you whether to mail it, hand it over, or fax it to a number they provide. If the IRS mailed you the 433-D with a notice or letter, send the signed form back to the address on that correspondence (an envelope is often enclosed) or to the fax number printed on it, if one is given.
Do not look up a random IRS service-center fax number and send your 433-D there. Collection agreements are routed to the office handling your account, and a 433-D that lands at the wrong campus can be delayed or lost, which can put your account back into active collection. When in doubt, call the number on your most recent IRS notice and ask exactly where to send the signed agreement.
If you are setting up a brand-new agreement and were not handed a 433-D, the fastest and most reliable path is the IRS Online Payment Agreement (OPA) tool at IRS.gov. If you qualify — generally, individuals who owe $50,000 or less in combined tax, penalties, and interest, and businesses that owe $25,000 or less — OPA lets you establish a direct-debit plan online without ever completing or sending a paper 433-D. The system records the agreement directly, so there is nothing to fax.
Direct debit, fees, and staying in good standing
The IRS strongly prefers direct-debit installment agreements, and they carry the lowest setup fee. A DDIA also protects you from missed payments, because the money is pulled automatically on the date you chose. To set one up on Form 433-D you provide your bank routing and account numbers, and it is good practice to attach a voided check so the IRS can confirm the account. Setup fees are reduced for direct debit and can be waived or reimbursed for low-income taxpayers who meet the IRS criteria; the exact fee depends on how you apply and your income.
Signing the agreement is not the end of your obligations. To keep an installment agreement in good standing you must make every monthly payment on time, file all required tax returns going forward, and pay any new balances that come due — a new unpaid liability can default the entire agreement. Interest and the failure-to-pay penalty continue to accrue on the unpaid balance while you are paying it down, so paying more than the minimum, or paying the balance off early, saves money.
Alternatives when you cannot pay in full
If the monthly amount on a proposed 433-D is more than you can manage, do not simply sign it and hope — the plan will default the first time you miss a payment. Ask the IRS about a lower monthly amount, a longer term, or, if your finances are genuinely strained, other collection alternatives. Depending on your situation these can include being placed in Currently Not Collectible status, or applying for an Offer in Compromise to settle for less than the full amount. A revenue officer or the collection unit on your notice can explain which options you qualify for.
Whatever you decide, respond before the deadline on your notice. Ignoring collection correspondence is what leads to liens and levies; engaging — even to say you need different terms — keeps your options open.
What to include when you fax Form 433-D
- A cover sheet with your name, SSN/EIN, a callback number, and the page count — only if the IRS or your revenue officer gave you a fax number to use.
- A complete, signed Form 433-D with the agreed monthly payment amount and payment date filled in.
- Your bank routing and account numbers for a direct-debit agreement (a voided check helps the IRS confirm the account).
- A copy of the IRS notice or letter that set up the agreement, so it is matched to the right case.
- Both spouses’ signatures if the balance is from a joint return.
Common mistakes that get Form 433-D rejected or delayed
- Faxing Form 433-D to a random IRS service-center number instead of the address or fax number on your notice or from your revenue officer.
- Signing a monthly payment you cannot actually afford, which defaults the agreement at the first missed payment.
- Leaving the bank routing/account fields blank on a direct-debit agreement, or transposing the numbers.
- Missing a signature — a joint-return balance needs both spouses to sign.
- Filing or paying late on a future year, which can default the whole installment agreement.
- Completing a paper 433-D when you actually qualify for the Online Payment Agreement tool, which needs no form at all.
After you fax Form 433-D
- Keep your fax transmission confirmation or certified-mail receipt as proof of when you returned the signed agreement.
- Watch for an IRS confirmation that the installment agreement is in place; if you set up a direct debit, verify the first payment pulls on the date you chose.
- Make every monthly payment on time and file all future returns — a new unpaid balance can default the agreement.
- If your financial situation changes, contact the IRS before you miss a payment to discuss revising the terms rather than defaulting.
Form 433-D fax FAQ
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Last verified July 17, 2026. Official source: IRS.gov — Form 433-D (PDF)