TN 68 (05-16)

GN 02402.382 Coding Bulgaria 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 Bulgaria. The 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 Bulgaria direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Bulgaria to the beneficiary's local 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. 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-OP55 Direct Deposit Sign-Up Form for Bulgaria; or

  • Any document containing 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 for Bulgaria has a prefix of 68 at the beginning of the Routing Transit Number (RTN).

C. Overview of IDD for Bulgaria

IDD payments sent to Bulgaria must be in Bulgarian Lev (BGN) accounts at local FIs. The beneficiary must provide complete information to the Embassy, Consulate, or DIO for input. DIO faxes incomplete forms to the Federal Benefits Unit (FBU) at the U.S. Embassy or Consulate that serves that territory. The FBU will contact the beneficiary or FI for the additional information.

D. Description of Bulgaria IDD bank data

The data for coding IDD for Bulgaria comes from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The full length of the IBAN for Bulgaria consists of 22 characters. However, the bank data on the MBR consists of 19 characters including Bulgaria’s country code of G.

E. Procedure for coding Bulgaria bank data

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 rejects the payment and returns the funds to SSA. When establishing or changing IDD bank data for Bulgaria, you can use an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must go to ITS.gov to enter the full IBAN and Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC). If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA. When using ITS.gov, bank data posts to the MBR within 4 business days.

NOTE: The 13th character of the Bulgarian IBAN cannot be an “8” for beneficiary payments.

The SWIFT code consists of the following 8 to 11 alphanumeric 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 participant have "1" in the second character); and

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

1. Initial award processing

Secure the full IBAN and SWIFT-BIC coding from the beneficiary at the time of filing. 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 receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA.

2. Adding or updating bank data using SSA systems

You must enter the full IBAN and SWIFT-BIC bank information into ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for Bulgaria within 4 business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:

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 Bulgarian Lev (BGN) account in Bulgaria? If no, STOP.

REASON: Beneficiaries in Bulgaria can only receive IDD payments in BGN accounts.

If yes, go to step 4

4

The RTN is 680000035 for all IDD to Bulgaria. SSA and FRBKC have designated 68 as the multi-country prefix for Bulgaria IDD. The “5” at the end of the RTN represents the U.S. check digit code for all IDD accounts in Bulgaria. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.

5

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.

6

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

  • Start with a country code of G designated for Bulgaria

  • Code the eight-digit Customer Account Number.

7

You must take action on the same business day to update the full IBAN and SWIFT into ITS.gov. Do not code the RTN in ITS.gov, as ITS.gov will propagate this information.

If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov. FRBKC will need all of this information in order to process the IDD payment. When this information is not available, FRBKC will reject the payment and return it to SSA.

F. Example of coding Bulgaria direct deposit

The customer provides us with the IBAN BG80 BNBG 9661 1020 3456 78

NOTE: The first two characters of a Bulgaria IBAN are “BG,” which represents the International Organization for Standardization (ISO) country code. The third and fourth characters of the IBAN are the IBAN check digits. The fifth through eighth characters of the IBAN are the Bank Identifier. The ninth through twelfth characters represent the Branch Identifier. The thirteenth through fourteenth characters represent the Basic Bank Account Number (BBAN). The technicians should never code the IBAN ISO country code, the check digit, the Bank Identifier, the Branch Identifier, or the Basic Bank Account Number to the MBR for Bulgaria. The last eight digits of the IBAN represent the eight-digit account number.

The technician should take the following actions:

  1. Derive the RTN as follows:

    • Code an RTN of 680000035

    • 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 as follows:

    • Start with a country code of G designated for Bulgaria; and

    • Code the eight-digit Account Number “20345678.”

The technician obtains the following:

IBAN BG80 BNBG 9661 1020 3456 78

Checking

DAN: G20345678

The coding in an SSA System reflects:

DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 680000035

ACCOUNT TYPE (C/S): C

DEPOSITOR ACCOUNT NUMBER: G20345678

CANCEL DIRECT DEPOSIT (Y):

DIRECT EXPRESS (Y):

The MBR reflects the following information:

RTN-680000035 DAN - CG20345678


To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202402382
GN 02402.382 - Coding Bulgaria Bank Data on the Master Beneficiary Record (MBR) - 05/24/2016
Batch run: 05/24/2016
Rev:05/24/2016