Effective Dates: 03/04/2024 - Present Previous | Next

TN 259 (03-24)

GN 02402.349 Coding Luxembourg Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Luxembourg 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 Luxembourg. Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Luxembourg direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Luxembourg 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.

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    GN 01010.255 Adjudication of Foreign Claims

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    GN 01702.310 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-OP29 International Direct Deposit Signup Form for Luxembourg; or

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    any document that contains the required banking information.

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

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    GN 00203.020 Identity of Claimants

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    GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Luxembourg will have a prefix of 66 at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “M” assigned for Luxembourg.

D. Overview of IDD for Luxembourg

IDD payments sent to Comoros must be in Euro accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves Luxembourg. The FBU contacts the beneficiary or FI for additional information.

E. Description of Luxembourg IDD bank data

The data for coding IDD for Luxembourg will come from the International Bank Account Number (IBAN) provided to the beneficiary from FI. The IBAN for Luxembourg consists of up to 20 characters. However, the bank data reflected on the MBR will consist of 23 characters. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

F. Policy for coding Luxembourg 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 Luxembourg 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. Obtiain the 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?

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    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 at an FI in Luxembourg? If yes, STOP.

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

If no, go to step 4.

4

To derive the nine-digit RTN for Luxembourg:

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    Start with 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Luxembourg),

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    Code three filler zeros “000,”

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    Code the three-digit bank code,

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    Code the check digit code, which you will obtain through 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

To code the DAN for Luxembourg:

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    Start with a country code of “M” designated for Luxembourg, and

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    Code the 13-digit account number,

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.349F.

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 Luxembourg IDD

The customer provides us with a signup form for Luxembourg containing the account number: "LU360029152460050000".

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    The first two characters of a Luxembourg IBAN are “LU,” which represent the International Organization for Standardization (ISO) country code (never coded to the MBR).

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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 the check code to the MBR.

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    The next three characters of the IBAN represent the three-digit bank code.

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    The next 13 characters of the IBAN represent the 13-digit account number.

1. Derive the RTN

The technician enters the information for the RTN.

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    Code the prefix of 66 (the multi-country prefix for Luxembourg).

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    Code three filler zeros “000”.

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    Code the three-digit bank code “002”.

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    Code the one-digit check code (i.e., 8).

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    Code the type of account as a “C” for checking or an “S” for savings. If no indication of account type, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN.

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    Use the letter “M” (for Luxembourg); and

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    The 13-digit account number “9152460050000”.

3. Obtain the following information

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    RTN: 660000028

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    Checking

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    DAN: M9152460050000

a. POS reflects the direct deposit information

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    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000028 ACCOUNT TYPE (C/S): C

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    DEPOSITOR ACCOUNT NUMBER: M9152460050000

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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-660000028

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    DAN- CM9152460050000

H. References

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    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.

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

To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202402349
GN 02402.349 - Coding Luxembourg Bank Data on the Master Beneficiary Record (MBR) - 03/04/2024
Batch run: 03/04/2024
Rev:03/04/2024