TN 226 (10-22)

GN 02402.389 Coding Laos 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 Laos. 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 Laos direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Laos 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 detail on IDD requests and forwarding information, see to GN 02402.201, GN 02402.205, 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-OP64 (Direct Deposit Sign-up Form (Laos)), 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 in Laos will have a prefix of 68 at the beginning of the Routing Transit Number (RTN).

C. Overview of IDD for Laos

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 Laos. The FBU contacts the beneficiary or FI for additional information..

D. Description of Laos IDD bank data

The data for coding IDD for Laos comes from banks determined by the FRBKC. The bank data for Laos consists of 29 characters. However, the bank data on the MBR will reflect 27 characters including the country code of N.

E. Procedure for coding Laos 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 Laos, 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 to enter the following:

  • account number

  • account ownership;

  • account type;

  • beneficiary address; (no P.O. box address allowed)

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator; and

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

1. SWIFT-BIC code obtained from the FI

The SWIFT-BIC 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 participant have "1" in the second character); and

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

2. Initial award processing

If you are working on an initial award, you must update 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 when the payment processes, the payment rejects and returns to SSA.

3. Adding or updating bank data using SSA systems

You must update 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 Laos within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:




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 USD account in Laos? If no, STOP.

REASON: Beneficiaries in Laos can only receive IDD payments in USD accounts.


The RTN is 680000080 for all IDD to Laos. SSA and FRBKC have designated 68 as the multi-country prefix for Laos IDD. The “0” at the end of the RTN represents the U.S. check digit code for all IDD accounts in Laos. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.


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.


To code the Depositor Account Number (DAN) for Laos, code as follows:

  • Start with a country code of N

  • Code 16 digits of the 18 digit Customer Account Number.


You must take action on the same business day to enter full SWIFT and DAN into, along with the information listed in the introduction of GN 02402.389 E in this section.

If you do not have access to, ask a co-worker who has access to update the required information into 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 - Coding Laos Direct Deposit

The customer provides us with a signup form for Laos containing the following information:

Account Number: 123456789012345678

1. Derive the RTN as follows

  • Code the RTN of 680000080

  • 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.

  1. 2. 

    Derive the DAN as follows

    • Start with a country code of N designated for Laos; and

    • Code 16 digits of the18-digit Account Number 1234567890123456

    The technician will obtain the following:

    RTN: 680000080


    DAN: N1234567890123456

    The coding in an SSA system will reflect:



    DEPOSITOR ACCOUNT NUMBER: N1234567890123456



    The MBR reflect the following information

    RTN-680000080 DAN- CN1234567890123456

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GN 02402.389 - Coding Laos Bank Data on the Master Beneficiary Record (MBR) - 10/27/2022
Batch run: 10/27/2022