TN 48 (02-13)
GN 02402.352 Coding Singapore Bank Data on the Master Beneficiary Record (MBR)
This section describes how to code bank data for international direct deposit (IDD) of title II benefits to a financial institution (FI) in Singapore. Social Security Administration (SSA) stores bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as a Singapore direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Singapore to the beneficiary's FI.
NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing (For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C).
A. Where to obtain data
We receive requests to input bank data by mail, phone, or fax in the following formats:
a blank check,
an International Direct Deposit Signup Form for Singapore (SSA-1199-OP35) (see GN 02402.352F in this section), or
any document that contains the required banking information.
NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.
B. Multi-country contract
The processing FI in Singapore will have a prefix of 66 at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “S” assigned for Singapore.
C. Overview of IDD for Singapore
IDD payments sent to Singapore must be in Singapore Dollar accounts to local FIs. The beneficiary must provide complete information to the Embassy, Consulate or DIO for input. DIO will fax incomplete forms to the Federal Benefits Unit (FBU) at U.S. Embassy or Consulate that serves that territory, to contact the beneficiary or FI for additional information.
D. Description of Singapore direct deposit bank data
The data for coding IDD for Singapore will come from banks the FRBKC has determined can handle the IDD process. The FRBKC identified and listed the participating FIs on the International Treasury Services (ITS.gov) website as part of the ITS help file. If you do not have access to ITS.gov, you should refer to the listing in GN 02402.352G to verify bank codes when processing direct deposit to Singapore banks.
The IDD coding for Singapore bank data consists of up to 21 characters, including the country code of “S” for Singapore. The account number contains a:
nine-digit RTN 6600BBBBX: where 66 is the country code field, position three and four are always zeros, BBBB = four-digit bank code based on FI name (see ITS.gov help file for assistance or the listing in GN 2402.352G), X = the check digit code of the Foreign Routing Number (FRN); and
12-digit or less DAN SAAAAAAAAAAAA that consists of a one-digit country code of “S,” for Singapore, followed by an account number of 11-digits or less.
NOTE: Account type when enrolling in International Treasury Services (ITS.gov) should default to checking.
E. Procedure for coding Singapore routing and account numbers
The FRBKC relies on SSA to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC will reject the payment and return the funds to SSA. You can code bank data for Singapore through ITS.gov when establishing or changing international direct deposit (IDD) or use an SSA system (i.e., POS, MACADE, etc.). When using ITS.gov, bank data will post to the MBR within four business days.
1. Initial Award Processing
If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure that the beneficiary will receive his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment will reject and return to SSA.
2. Updating bank data using SSA systems
If you use an SSA system (i.e., POS, MACADE) to add or update bank data to an MBR, do not input the bank account information into ITS.gov as the information will transfer to ITS.gov on the next business day.
NOTE: If it is within four business days of the current operational month (COM) cut-off date, use the procedure outlined below to code bank data to the MBR using an SSA system.
Are you coding an initial claim?
If yes, go to step 3.
If no, go to step 2.
Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)?
If yes, go to step 3.
If no, STOP.
REASON: The MBR will not accept the IDD information.
To derive the 9-digit RTN for Singapore:
Start with 66 (the multi-country prefix SSA and FRBKC have designated to use for Singapore IDD),
Code the two filler zeros “00”,
Code the four-digit bank code based on FI name after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.352G.
Code the check digit code of the RTN, 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.
Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.
For the first character of the DAN field, code an “S” followed by an account number of up to 11 digits.
NOTE: SSA does not have IDD for U.S. dollar accounts in Singapore.
F. Example of coding Singapore direct deposit
The customer provides us with a signup form for Singapore containing the following information:
Bank Name: AFC Merchant Bank
No Bank Code has been provided
Account Number: 34567890123
1. Derive the RTN as follows
Code the prefix of 66 (the multi-country prefix for Singapore);
Code two filler zeros “00”;
Code the four-digit bank code “1009” based on FI name after checking the ITS.gov help file or the listing in GN 02402.352G of Singapore Bank Codes)
Code the one-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16)
Code the type of account as a “C” for Checking or an “S” for Savings. If no indicated account type, use a “C” for Checking.
2. Derive the DAN as follows
The coder will obtain the following:
The coding in POS will reflect:
DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660010098
ACCOUNT TYPE (C/S): C
DEPOSITOR ACCOUNT NUMBER: S34567890123
CANCEL DIRECT DEPOSIT (Y):
DIRECT EXPRESS (Y):
The MBR will reflect the following information:
RTN-660010098 DAN- CS34567890123
G. Exhibit of Form SSA-1199–OP35
International Direct Deposit Signup Form for Singapore
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H. Singapore Bank Codes
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