TN 83 (11-17)

GN 02402.375 Coding Pakistan Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Pakistan 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 Pakistan. We store IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.

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

For detail on IDD requests and forwarding information, see

B. How we receive IDD bank data

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

  • a blank check;

  • an SSA-1199-OP46 (International Direct Deposit Signup Form for Pakistan); or

  • 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 for Pakistan has a prefix of 71 at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for Pakistan

IDD payments sent to Pakistan must be in Pakistani Rupee (PKR) accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO faxes incomplete forms to the FBU that serves that territory. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Pakistan IDD bank data

The data for coding IDD for Pakistan will come from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The IBAN for Pakistan consists of up to 24 characters. The bank data for Pakistan reflected on the MBR consists of up to 27 characters including the country code of P for Pakistan.

F. Procedure for coding Pakistan bank data

The FRBKC relies on us to provide 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 Pakistan, using an SSA system (e.g., Modernized Claims System (MCS), or Manual Adjustment Credit and Award Data Entry (MACADE)).

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

  • account type;

  • account ownership;

  • bank name;

  • bank address;

  • beneficiary address;

  • computerized or smart national identity card (ex. “CNIC 1234567890123” or “SNIC 1234567890123”);

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • IBAN;

  • payee indicator;

  • phone number; and

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

If the beneficiary does not have a CNIC or SNIC, then enter his or her passport number in the “Beneficiary ID” field (Use the prefix of “Passport #). If the beneficiary is a minor child, use the B-Form or Child Registration Certificate (CRC). If the B-form or CRC is unavailable, request the CNIC or SNIC of the parent or guardian.

1. Obtain SWIFT-BIC code from the FI

The SWIFT code contains a minimum of 8 characters and a maximum of 11 characters:

  • First four characters - bank code (only letters);

  • Next two characters - ISO 3166-1 alpha-two country code (only letters);

  • Next two characters - location code (letters and digits) (passive participants have "1" in the second character); and

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

2. Process initial award

You must update ITS.gov using the bank account information prior to processing the initial award to ensure 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.

3. Add or update bank data using an SSA system

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

  • update ITS.gov on the same day;

  • enter all POS direct deposit changes according to normal procedures;

  • use the 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.

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 does not accept the IDD information unless the address is in a foreign country.

If yes, go to step 3.

3

Is the beneficiary's account a PKR account in Pakistan? If no, STOP.

REASON: Beneficiaries in Pakistan can only receive IDD payments in PKR accounts.

If yes, go to step 4

4

The RTN is 710000031 for all IDD to Pakistan. It contains the:

  • Multi-country prefix of “71” for Pakistan IDD.

  • U.S. check digit code of “1” at the end of the RTN for all Pakistan IDD.

No need to obtain the check digit code from Title II Interactive Comps.

5

Code the account type:

  • “S” savings, or

  • “C” checking.

If no indicated account type, use a “C” for checking account.

6

Code the depositor account number (DAN) for Pakistan as follows:

  • “P” for Pakistan

  • 16-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information as listed in GN 02402.375F.

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 SSA.

G. Example of coding Pakistan direct deposit

The customer provides us with the IBAN PK36SCBL0000001123456702

  • The first two characters of a Pakistan IBAN are “PK,” which represents the International Organization for Standardization (ISO) country code and

  • The third and fourth characters of the IBAN are the IBAN check digits.

  • The next four characters of the IBAN represent the 4-digit bank code.

  • The last 16 characters represent the 16-digit account number.

NOTE: The technicians should never code the IBAN ISO country code, the check digit, or the bank code to the MBR.

1. Derive the RTN

The technician must enter the following information for the RTN.

  • Code the RTN of 710000031

  • Code the type of account as a “C” for Checking or an “S” for Savings. If no account type indicated, use a “C” for Checking.

2. Derive the DAN

The technician must code the DAN.

  • Start with a country code of P designated for Pakistan;

  • Code the 16-digit Account Number “0000001123456702”

3. Technician must obtain the following:

  • IBAN PK36SCBL0000001123456702

  • Checking

  • RTN: 710000031

a. POS coding reflects this information :

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000031

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: P0000001123456702

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information:

  • RTN-710000031

  • DAN- CP0000001123456702

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)