TN 278 (08-24)

GN 02402.338 Coding Mexico Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Mexico 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 Mexico. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the data as Mexico direct deposit and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the Bank of Mexico to the beneficiary’s 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:

  • Blank check;

  • SSA-1199-SPOP2 International Direct Deposit Signup Form for Mexico; or

  • Any document that contains 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. Description of Mexico Bank Data

There are two possibilities for Mexico bank data: the 18-digit CLABE for a regular bank account, or the 3-digit bank code plus the 16-digit Debit Card information, totaling 19 digits.

The 18-digit CLABE is constructed as follows:

  • 3-digit ABM Bank Number (#ABM de Banco),

  • 3-digit Locality (Plaza),

  • 11-digit Account Number (Número de Cuenta), and

  • 1-digit Check Digit (Digito Verificador).

If the beneficiary requests direct deposit to a Debit Card Account (Tarjeta de Débito), the necessary information is as follows:

  • 3-digit ABM Bank Number (#ABM de Banco),

  • 16-digit Debit Card Number (Tarjeta de Débito). The Debit Card Number is shown on the Debit Card.

D. Procedure for coding Mexico Routing and Account Numbers for IDD

Use this procedure to code direct deposit of Title II benefits to FIs in Mexico.

  1. 1. 

    Are you coding an initial claim?

    • If yes, go to step 3.

    • If no, go to step 2.

  2. 2. 

    Is the beneficiary’s address on the MBR in a foreign country (PCOC = 8)? If not, STOP.

    REASON: The MBR will not accept the International Direct Deposit (IDD) information if the beneficiary has a U.S. address.

  3. 3. 

    Is the beneficiary’s account a Mexican peso checking account at an FI in Mexico, or a debit card account? If not, STOP.

    REASON: Mexico banking rules do not allow deposits from outside the country to a savings account. It is also not legal to have an account in Mexico in U.S. dollars.

  4. 4. 

    Code the Type of Account as Checking. (Mexico savings accounts cannot be reached by direct deposit.)

  5. 5. 

    Is the bank information a CLABE of 18 digits?

    • If yes, go to Step 6.

    • If no, go to Step 8.

  6. 6. 

    When the bank information is a CLABE, code the Routing and Transit Number (RTN) field (9 digits total) as follows:

    • Start with 63, the prefix SSA has designated for Mexico direct deposit.

    • Code the 3-digit ABM de Banco (the first 3 digits of the CLABE).

    • Code two zeros (00).

    • Code the first digit of the ABM de Banco again. (This is the first digit of the 18-digit CLABE.)

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

  7. 7. 

    Code the Depositor Account Number (DAN) field with the 17 remaining digits of the CLABE as follows:

    • The second and third digits of the ABM de Banco,

    • The 3 digits of the Plaza,

    • The 11 digits of the Número de Cuenta, and

    • The 1-digit Digito Verificador. STOP.

  8. 8. 

    When the bank information includes a Debit Card Number (Tarjeta de Débito), code the Routing and Transit Number (RTN) field (9 digits total) as follows:

    • Start with 63, the prefix SSA has designated for Mexico direct deposit.

    • Code the 3-digit ABM de Banco.

    • Code two zeros (00).

    • Code the first digit of the 16-digit Debit Card Number (Tarjeta de Débito).

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

  9. 9. 

    Code the Depositor Account Number (DAN) field with the remaining 15 digits of the Debit Card Number.

E. Examples – Coding Mexico Direct Deposit

EXAMPLE 1: A signup form for Mexico contains the following information:

#ABM de Banco:               541

Plaza:                               123

Número de Cuenta               12345678901

Digito Verificador                3

The coder begins the Routing and Transit Number with 63, followed by the ABM de Banco (541), followed by 00, followed by the first digit of the ABM de Banco (5), followed by the U.S. check digit of 2.

The Routing and Transit Number will be 635410052. (The final digit, 2, is the U.S. check digit for 63541005.)

The coder codes the Depositor Account Number field with the second and third digits of the ABM de Banco (41), the 3-digit Plaza 123), the 11-digit

Número de Cuenta (12345678901) and the 1-digit Digito Verificador (3).

The Depositor Account Number will be 41123123456789013.

EXAMPLE 2: The beneficiary sends the following information by fax to OIO:

“My CLABE is 856345123456789017.”

The Routing and Transit Number will be 638560080. (The final digit, 0, is the U.S. check digit for 63856008.)

The Depositor Account Number will be 56345123456789017.

EXAMPLE 3: The enrollment form has an ABM number of 123 and a Debit Card Number (Tarjeta de Débito) of 4445556667778889.

The coder begins coding the Routing and Transit Number (RTN) with 63, the prefix assigned to IDD for Mexico.

Next the coder codes the 3-digit ABM number, 123, followed by two zeros (00).

Next comes the first digit of the 16-digit Debit Card number, 4, followed by the U.S. Check Digit for 63123004, which is 5.

The RTN will be 631230045.

The coder then codes the Depositor Account Number (DAN) field with the remaining 15 digits of the Debit Card Number, 445556667778889.

The DAN will be 445556667778889.

F. 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/0202402338
GN 02402.338 - Coding Mexico Bank Data on the Master Beneficiary Record (MBR) - 08/29/2024
Batch run: 08/29/2024
Rev:08/29/2024