TN 227 (10-22)

GN 02402.405 Coding Liberia Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Liberia 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 Liberia. 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 Liberia direct deposit. The coding allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Liberia to the beneficiary's local FI.

Forward IDD requests received in a U.S. domestic (non-border) field office (FO) 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:

  • Blank check;

  • SSA-1199-OP83 International Direct Deposit Signup Form for Liberia; or

  • A document with 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 in Liberia has a 68 at the beginning of the routing transit number (RTN).

D. Overview of IDD for Liberia

IDD payments sent to Liberia must be in Liberian dollar (LRD) 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 Liberia. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Liberia IDD bank data

The data to code Liberia IDD originates from banks determined by the FRBKC. The bank data on the MBR consists of 27 characters including the country code “Y” designated for Liberia.

F. Procedure to code Liberia 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 us. When you establish or change IDD bank data in one of our systems for Liberia (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to to enter:

  • account number;

  • account ownership;

  • account type;

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

  • country;

  • enrollment status;

  • first and last name of beneficiary;

  • payee indicator;

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

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 with the bank account information before you process the initial award to ensure the beneficiary receives payment. If the complete bank account information is not in when the payment processes, the payment rejects and returns to us.

3. Add or update bank data using our systems

When you add or update IDD bank data using one of our systems (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 chart in this section 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 LRD account in Liberia?

If no, STOP.

REASON: Beneficiaries in Liberia can only receive IDD

payments in LRD accounts.


The RTN is 680000161 for all IDD to Liberia. It contains the:

  • Multi-country prefix for Liberia IDD of “68.”

  • U.S. check digit code for all IDD accounts in Liberia is “1” (at the end of the RTN).

Do not obtain the check digit code from Title II Interactive Comps.


Code the account type:

  • “S” savings, or

  • “C” checking.

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


Code depositor account number (DAN):

  • “Y” for Liberia

  • 16-digit account number


You must enter all the information on the same business day into as listed in GN 02402.405F.

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

FRBKC rejects the payment and returns it to us when we do not send all required information.

G. Example of coding Liberia direct deposit

The customer provides us with a signup form for Liberia containing the account number: 1234567890123456

1. Derive the RTN

Enter the information for the RTN.

  • Code RTN as 680000161

  • Code the account type as “C” for checking or “S” for savings. If no account type indicated, use “C” for checking.

2. Derive the DAN

Code the DAN for Liberia:

  • Start with country code “Y” designated for Liberia; and

  • Code the 16-digit Customer Account Number “1234567890123456”

a. Technician obtains the bank data

  • Checking

  • DAN: Y1234567890123456

b. POS coding reflects



  • DEPOSITOR ACCOUNT NUMBER: Y1234567890123456



c. The MBR reflects

  • RTN 680000161

  • DAN CY1234567890123456



To Link to this section - Use this URL:
GN 02402.405 - Coding Liberia Bank Data on the Master Beneficiary Record (MBR) - 10/28/2022
Batch run: 10/28/2022