TN 97 (02-18)
GN 02402.400 Coding Kenya Bank Data on the Master Beneficiary Record (MBR)
A. Introduction to coding Kenya 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 Kenya. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.
Special coding identifies the data as a Kenya direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Kenya to the beneficiary's local FI.
If you receive an IDD request in a U.S. domestic (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 more 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 form of:
If you receive information with discrepancies, see the following instructions:
C. Multi-country contract
The processing FI for Kenya has a “66” at the beginning of the Routing Transit Number (RTN).
D. Overview of IDD for Kenya
IDD payments sent to Kenya must be in Kenya Shillings (KES) 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 Kenya. The FBU contacts the beneficiary or FI for the additional information.
E. Description of IDD bank data for Kenya
The data to code IDD for Kenya comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 27 characters including the country code of “X” for Kenya.
F. Policy to code IDD bank data for Kenya
The FRBKC relies on us to provide the complete bank data to post payments correctly to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to us.
When you establish or change IDD bank data for Kenya through one of our systems (Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.), you must go to ITS.gov to enter the:
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 alpha);
next two characters - ISO 3166-1 alpha 2 country code (only alpha);
next two characters - location code (alpha and numeric) (passive participants have a "1" in the second character); and
last three characters - branch code, optional ('XXX' for primary office) (alpha and numeric).
2. Process initial award
Before you process the initial award, you must update ITS.gov with the bank account information 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 our systems
When you add or update IDD bank data using one of our systems (Post Entitlement Online System (POS), and MACADE), you must:
update ITS.gov on the same day;
enter all POS direct deposit changes according to normal procedures;
use procedures outlined in the chart in this section when you process the bank data 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 yes, go to step 3.
If no, STOP.
REASON: The MBR will not accept the IDD information.
Is the beneficiary's account a KES account in Kenya?
If no, STOP.
REASON: Beneficiaries in Kenya can only receive IDD payments in KES accounts.
If yes, go to step 4
The RTN is 660000026 for all IDD to Kenya. It contains the:
Multi-country prefix for Kenya “66.”
U.S. check digit code of “6” at the end of the RTN for all IDD accounts in Kenya.
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 no account indicated, use a “C” for checking account.
To code the Depositor Account Number (DAN) for Kenya, code:
You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.400F in this section.
You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.
When information is not available, FRBKC rejects the payment and returns it to our agency.
G. Example of coding direct deposit for Kenya
The customer provides us with a signup form for Kenya with the account number: 12345678901122334455667788990
Code the RTN
The technician enters the information for the RTN.
Code the DAN
The technician codes the DAN:
Technician obtains this information
POS reflects the direct deposit information
DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000026
ACCOUNT TYPE (C/S): C
DEPOSITOR ACCOUNT NUMBER: X1234567890112233
CANCEL DIRECT DEPOSIT (Y):
DIRECT EXPRESS (Y):
MBR reflects the direct deposit information