TN 252 (01-24)

GN 02402.377 Coding Romania Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Romania 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 Romania. 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 Romania direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Romania 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:

  • a blank check;

  • an SSA-1199-OP99 International Direct Deposit Signup Form for Romania; 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 Romania has 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 “Q” assigned for Romania.

D. Overview of IDD for Romania

IDD payments sent to Romania must be in Romanian Leu (ROM) 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 Romania. The FBU contacts the beneficiary or FI for additional information.

E. Description of Romania IDD bank data

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

F. Policy for coding Romania 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 Romania using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to to enter the following data:

  • account ownership

  • account type

  • account number

  • beneficiary address - (no P.O. Box address allowed)

  • beneficiary phone number

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

  • reclamation country

  • IBAN

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

1. Obtain SWIFT-BIC code from the FI

The SWIFT code consists of 11 alphanumeric characters:

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

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

  • Next two characters - location code (letters and digits) (passive participant 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 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 when the payment processes, the payment rejects and returns to our agency.

NOTE: If there is dire need or hardship involved, tell 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 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:

  • update on the same day;

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

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




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 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.


Is the beneficiary's account a RON account in Romania? If no, STOP.

REASON: Beneficiaries in Romania can only receive IDD payments in RON accounts.

If yes, go to step 4


The RTN is 710000044 for all IDD to Romania. SSA and KRBKC have designated 71 as the multi-country prefix for Romania IDD. The 4 in the RTN represents the U.S. check digit code for all IDD accounts in Romania. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.



Code the account type:

  • · “S” for savings, or

  • · “C” for checking.

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


Code the Depositor Account Number (DAN) for Romania as follows:

  • Start with a country code of Q designated for Romania

  • Code the Customer Account Number (up to 16 digits).


You must take action on the same business day to enter into all the information listed in GN 02402.377F.

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


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

G. Example of coding Romania direct deposit

The customer provides us with a signup form for Mauritius containing the account number: RO49AAAA1B31007593840000

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

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

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

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

1. Derive the RTN

The technician enters the information for the RTN.

  • Code an RTN of 710000044

  • 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 codes the DAN

  • Start with a country code of Q designated for Romania;

  • Code the 16-digit Account Number “1B31007593840000”

3. Obtain the following information:

  • RTN: 710000044

  • Checking

  • DAN: Q1B31007593840000

a. POS reflects the direct deposit information





b. The MBR reflects the following information

  • RTN-710000044

  • DAN- CQ1B31007593840000

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.

  • International Treasury Services (U.S. Treasury system)

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GN 02402.377 - Coding Romania Bank Data on the Master Beneficiary Record (MBR) - 01/16/2024
Batch run: 01/29/2024