Effective Dates: 03/08/2024 - Present Previous | Next

TN 263 (03-24)

GN 02402.319 Coding Cyprus Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Cyprus bank data

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Cyprus. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the bank data as a Cyprus direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Cyprus to the beneficiary's local FI.

If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to the Office of Earnings and International Operations, (OEIO), Division of International Operations (DIO) to process.

For detailed instructions on IDD requests and forwarding information, see

  • •

    GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • •

    GN 02402.205, Direct Deposit Enrollment Outside the U.S.

  • •

    GN 01010.255, Adjudication of Foreign Claims

  • •

    GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

B. How we receive IDD bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

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    a blank check,

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    SSA-1199-OP9 International Direct Deposit Signup Form for Cyprus; or

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    any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

  • •

    GN 00203.020 Identity of Claimants

  • •

    GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Cyprus will have a prefix of 71 at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “D” assigned for Cyprus.

D. Overview of IDD for Cyprus

IDD payments sent to Cyprus must be in Euro accounts at local FIs. The data for coding IDD for Cyprus will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 28 characters (see Section F). Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

E. Description of Cyprus IDD bank data

The data to code IDD for Cyprus comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of D.

IMPORTANT : Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

F. Policy for coding Cyprus IDD bank data

The FRBKC relies on us to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to our agency.

You may establish or change IDD bank data for Cyprus using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

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    account ownership

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    account type

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    account number

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    beneficiary address

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    beneficiary phone number

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    country

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    enrollment status

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    first and last name of the beneficiary

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    payee indicator

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    reclamation country

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    IBAN

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    Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC)

1. Obtain SWIFT-BIC code from the FI

The SWIFT code consists of 8 to 11 alphanumeric characters. When an 8-digit code is given, it refers to the primary office:

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    First 4 characters - bank code (only letters)

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    Next 2 characters - ISO 3166-1 alpha-2 country code (only letters)

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    Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second character)

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    Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

2. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that the beneficiary receives payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to our agency.

NOTE: If there is dire need or hardship involved, advise the beneficiary of the option of initiating payment via a paper check. Inform the beneficiary that the bank may charge for cashing the check. If the beneficiary chooses the option of paper check, the FBU documents and processes the initial claim.

3. Add or update bank data using SSA systems

When you add or update IDD bank data using SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

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    update ITS.gov on the same day;

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    enter all POS direct deposit changes according to normal procedures;

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    use procedures outlined in the following chart when processing within four business days of the current operational month (COM) cutoff date.

STEP

ACTION

1

Are you coding an initial claim?

  • •

    If yes, go to step 3.

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    If no, go to step 2.

2

Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)? If no, STOP.

REASON: The MBR will not accept the International Direct Deposit (IDD) information.

If yes, go to step 3.

3

Is the beneficiary's account a Euro account in Cyprus? If no, STOP.

REASON: Beneficiaries in Cyprus can only receive IDD payments in Euro accounts.

If yes, go to step 4.

4

Code the RTN field as follows:

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    Start with 71, the prefix assigned to the processor bank in Cyprus.

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    Code the three-digit bank code

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    Code the first three digits of the branch code

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    Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

5

Code the account type:

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    · “S” for savings, or

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    · “C” for checking.

If the beneficiary does not indicate an account type, use a “C” for checking account.

6

Code the DAN as follows:

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    Start with D, designated for Cyprus.

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    Code the last two digits of the branch code.

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    Code the first 14 digits of the 16-digit account number. Be sure to input the full IBAN through ITS.gov. The final digit of the DAN will annotate.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.319F.

You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.

 

REMINDER: When information is not available, FRBKC rejects the payment and returns it to our agency.

G. Example of coding Cyprus direct deposit

The customer provides us with a signup form for Cyprus containing the following information: "CY17002001280000001200527600".

  • •

    The first 2 characters of the Cyprus IBAN are “CY”, which represents the International Organizational for Standardization (ISO) country code.

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    The third and fourth characters of the IBAN are the IBAN check digits. The technician should never code the IBAN ISO country code or check digit to the MBR.

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    The next three characters are the three-digit bank code.

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    The next five-characters are the five-digit branch code.

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    The last sixteen-characters are the sixteen-digit bank account number.

1. Derive the RTN

The technician enters the information for the RTN.

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    Code the prefix of 71(SSA designated prefix for IDD).

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    Code the three-digit bank code “002”

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    Code the first three digits of the branch code “001”

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    Code the one-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

2. Derive the DAN

The technician codes the DAN.

  • •

    Code the country code of “D”

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    Code the last two digits of the branch code “28”

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    Code the first 14 digits of the 16-digit account number “00000012005276”

When you input the full IBAN through ITS.gov, the final digit of the DAN will annotate. The MBR will only house up to 17 characters in the DAN field.

3. Obtain the following information

  • •

    RTN: 710020018

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    Checking

  • •

    DAN: D2800000012005276

a. POS reflects the direct deposit information

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    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710020018 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: D2800000012005276

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    CANCEL DIRECT DEPOSIT (Y):

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    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

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    RTN- 710020018

  • •

    DAN- CD2800000012005276

H. References

  • •

    GN 00203.020 Identity of Claimants

  • •

    GN 01010.255 Adjudication of Foreign Claims

  • •

    GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

  • •

    GN 02402.025 Direct Deposit Post Entitlement Interview

  • •

    GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • •

    GN 02402.205 Direct Deposit Enrollment Outside the U.S.

  • •

    ITS.gov International Treasury Services (U.S. Treasury system)

To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202402319
GN 02402.319 - Coding Cyprus Bank Data on the Master Beneficiary Record (MBR) - 03/08/2024
Batch run: 03/08/2024
Rev:03/08/2024