Identification Number:
GN 02402 TN 263
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Full Transmittals
Program:All Programs
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM

Part GN – General

Chapter 024 – Checks

Subchapter 02 – Direct Deposit - Title II and Title XVI

Transmittal No. 263, 03/08/2024

Audience

PSC: BA, CA, CCRE, CS, DS, ICDS, IES, ILPDS, IPDS, ISRA, PETE, RECONR, SCPS, TSA, TST;
OCO-OEIO: BIES, BTE, CCRE, CR, CTE, FCR, PETL, RECOVR;
OCO-ODO: BTE, CCE, CR, CST, CTE, EHI, LCC, LSC, PAS, PCS, PETL, RC, RCOVTA, RECONR, RECOVR;
FO/TSC: CS, CS TII, CS TXVI, CSR, CTE, FR, OA, OS, RR, TA, TSC-CSR;

Originating Component

OFPO

Effective Date

Upon Receipt

Background

International Direct Deposit (IDD) service is a joint effort between our agency and the Federal Reserve Bank of Kansas City (FRBKC). We formatted the enrollment instructions per plain language guidelines for accuracy and consistency within out POMS.

Summary of Changes

GN 02402.316 Coding Belgium Bank Data for the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections A, D, and E. The hyperlink in sub-section H was moved to B. References were added to sub-section H for consistency in our IDD POMS.

 

GN 02402.319 Coding Cyprus Bank Data for the MBR

We made formatting changes to sub-sections A, D, and E. The hyperlink in sub-section H was moved to B. References were added to sub-section H for consistency in our IDD POMS.

 

GN 02402.320 Coding Danish Bank Data for the MBR

We made formatting changes to sub-sections A, D, and E. The hyperlink in sub-section H was moved to B. References were added to sub-section H for consistency in our IDD POMS.

 

GN 02402.322 Coding Finland Bank Data for the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections A, D, and E. The hyperlink in sub-section H was moved to B. References were added to sub-section H for consistency in our IDD POMS.

 

GN 02402.376 Coding Peru Bank Data on the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections ,C, D, and E.

 

GN 02402.375 Coding Pakistan Bank Data on the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections ,C and E.

GN 02402.316 Coding Belgium Bank Data for the Master Beneficiary Record (MBR)

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

  • SSA-1199-OP6 International Direct Deposit Signup Form for Belgium; or

  • any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processor bank in Belgium will have 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 “B” assigned for Belgium.

D. Overview of IDD for Belgium

IDD payments sent to Belgium must be in Euro 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 Belgium. The FBU contacts the beneficiary or FI for additional information.

E. Description of Belgium IDD bank data

The data for coding IDD for Belgium will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 16 characters. However, the bank data reflected on the MBR will consist of 19 characters. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

IMPORTANT: Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

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

You must then go to ITS.gov to enter the following data:

  • account ownership

  • account type

  • account number

  • beneficiary address

  • 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 the SWIF-BIC code from the FI

The SWIFT code consists of 8 to 11 alphanumeric characters. When an 8-digit code is given, it refers to the primary office:

  • First 4 characters - bank code (only letters)

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

  • Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second character)

  • Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

2. Process initial award

Secure IBAN and SWIFT-BIC coding from the beneficiary at the time of filing. The FBU inputs an initial IDD claim if the beneficiary elects the option of direct deposit. All initial IDD claims that an FBU takes for Belgium require input into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day. You must complete all initial claims that the International Benefits Office (IBO) takes. You must input all initial claims involving Belgium IDD into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day.

NOTE: If there is dire need or hardship involved, advise 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 and processes 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 ITS.gov 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.

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 will not accept the International Direct Deposit (IDD) information.

If yes, go to step 3.

3

Is the beneficiary's account a Euro account in Belgium? If no, STOP.

REASON: Beneficiaries in Belgium can only receive IDD payments in Euro accounts.

If yes, go to step 4.

4

Code the RTN field as follows:

  • Start with 71, the prefix assigned to the processor bank in Belgium.

  • Code three zeros (000).

  • Code the three-digit bank code. (This will be the first three digits on the signup form.)

  • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

5

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.

6

Code the DAN as follows:

  • Start with a country code of “B” designated for Belgium

  • Code the nine-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.316F.

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

 

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

G. Example coding Belgium IDD

The customer provides us with a signup form for Belgium containing the following information: BE68539007547034

  • The first 2 characters of the IBAN are “BE”, which represents the International Organizational for Standardization (ISO) country code.

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

  • The next three characters represent the bank code.

  • The last nine characters of the IBAN represent the account number.

1. Derive the RTN as follows

The technician enters the information for the RTN.

  • Code the prefix of “71” (SSA designated prefix for IDD).

  • Code the three filler zeros “000”

  • Code the three-digit bank code “539”;

  • Code the one-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

  • 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

The technician codes the DAN.

  • Code the letter “B” designated for Belgium

  • Code the nine-digit account number “007547034”

3. Obtain the following information

  • RTN: 710005398

  • Checking

  • DAN: B0075470-34

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710005398 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: B0075470-34

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 710005398

  • DAN- CB007547034

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.

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

GN 02402.319 Coding Cyprus Bank Data on the Master Beneficiary Record (MBR)

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

  • SSA-1199-OP9 International Direct Deposit Signup Form for Cyprus; or

  • any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processing FI in Cyprus will have 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 “D” assigned for Cyprus.

D. Overview of IDD for Cyprus

IDD payments sent to Cyprus must be in Euro accounts at local FIs. The data for coding IDD for Cyprus will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 28 characters (see Section F). Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

E. Description of Cyprus IDD bank data

The data to code IDD for Cyprus comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of D.

IMPORTANT : Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

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

You must then go to ITS.gov to enter the following data:

  • account ownership

  • account type

  • account number

  • beneficiary address

  • 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 8 to 11 alphanumeric characters. When an 8-digit code is given, it refers to the primary office:

  • First 4 characters - bank code (only letters)

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

  • Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second character)

  • Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

2. Process initial award

You must update ITS.gov 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 ITS.gov when the payment processes, the payment rejects and returns to our agency.

NOTE: If there is dire need or hardship involved, advise 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 and processes 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 ITS.gov 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.

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 will not accept the International Direct Deposit (IDD) information.

If yes, go to step 3.

3

Is the beneficiary's account a Euro account in Cyprus? If no, STOP.

REASON: Beneficiaries in Cyprus can only receive IDD payments in Euro accounts.

If yes, go to step 4.

4

Code the RTN field as follows:

  • Start with 71, the prefix assigned to the processor bank in Cyprus.

  • Code the three-digit bank code

  • Code the first three digits of the branch code

  • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

5

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.

6

Code the DAN as follows:

  • Start with D, designated for Cyprus.

  • Code the last two digits of the branch code.

  • Code the first 14 digits of the 16-digit account number. Be sure to input the full IBAN through ITS.gov. The final digit of the DAN will annotate.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.319F.

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

 

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

G. Example of coding Cyprus direct deposit

The customer provides us with a signup form for Cyprus containing the following information: "CY17002001280000001200527600".

  • The first 2 characters of the Cyprus IBAN are “CY”, which represents the International Organizational for Standardization (ISO) country code.

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

  • The next three characters are the three-digit bank code.

  • The next five-characters are the five-digit branch code.

  • The last sixteen-characters are the sixteen-digit bank account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the prefix of 71(SSA designated prefix for IDD).

  • Code the three-digit bank code “002”

  • Code the first three digits of the branch code “001”

  • Code the one-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

2. Derive the DAN

The technician codes the DAN.

  • Code the country code of “D”

  • Code the last two digits of the branch code “28”

  • Code the first 14 digits of the 16-digit account number “00000012005276”

When you input the full IBAN through ITS.gov, the final digit of the DAN will annotate. The MBR will only house up to 17 characters in the DAN field.

3. Obtain the following information

  • RTN: 710020018

  • Checking

  • DAN: D2800000012005276

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710020018 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: D2800000012005276

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 710020018

  • DAN- CD2800000012005276

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.

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

GN 02402.320 Coding Denmark Bank Data on the Master Beneficiary Record (MBR)

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

  • Blank check;

  • SSA-1199-DN International Direct Deposit Signup Form for Denmark; or

  • Any document that contains required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processor bank in Denmark will have a prefix of 71 at the beginning of the routing number (RTN) and an assigned letter in the first position of the Depositor Account Number (DAN). The letter assigned for Denmark is “F.”

D. Overview of IDD for Denmark

IDD payments sent to Denmark must be in Danish Kroner (DKK) 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 Denmark. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Denmark IDD bank data

The data to code IDD for Denmark comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of S.

IMPORTANT : Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

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

You must then go to ITS.gov to enter the following data:

  • account ownership

  • account type

  • account number

  • beneficiary address -

  • beneficiary phone number

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

  • reclamation country

1. Proces initial award

You must update ITS.gov 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 ITS.gov when the payment processes, the payment rejects and returns to our agency.

2. 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 ITS.gov 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.

    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 DKK account in Denmark ? If no, STOP .

     

    REASON: Beneficiaries in Denmark can only receive IDD payments in DKK accounts.

     

    If yes, go to step 4.

    4

    Code the RTN field as follows:

    • Start with 71, the prefix assigned to the processor bank in Denmark.

    • Code 2 zeros.

    • Code the 4-digit bank code/registration number. If only 3 digits are given, code a zero before the 3 digits.

    • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

    5

    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.

    6

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

     

    • Start with F, the letter designated for Denmark.

    • The 10-digit account number.

      NOTE: If fewer than 10 digits are shown, add zeros at the front of the account number to bring the total number of digits to 10.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.320F.

     

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

     

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

G. Examples for coding Denmark direct deposit

EXAMPLE 1: A signup form for Denmark contains the following information:

Bank code 1234. Account Number 1234567890.

  • The RTN will be 710012346. (The final digit, 6, is the U.S. check digit for 71001234.)

  • The DAN will be F1234567890.

EXAMPLE 2: Ms. Lieder calls to request direct deposit. She says her bank's registration number is 123 and her account number is 234567890.

  • The RTN will be 710001234. (The final digit, 4, is the U.S. check digit for 71000123.)

  • The DAN will be F0234567890.

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.

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

GN 02402.322 Coding Finland Bank Data for the Master Beneficiary Record (MBR)

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

  • SSA-1199-OP10 International Direct Deposit Signup Form for Finland; or

  • any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processor bank in Finland will have 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 “G” assigned for Finland.

D. Overview of IDD for Finland

IDD payments sent to Finland must be in Euro 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 Finland. The FBU contacts the beneficiary or FI for additional information.

E. Description of Finland IDD bank data

The data for coding IDD for Finland will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be18 characters. However, the IDD bank data reflected on the MBR will consist of 21 characters. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

IMPORTANT : Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

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

You must then go to ITS.gov to enter the following data:

  • account ownership

  • account type

  • account number

  • beneficiary address -

  • 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 the SWIFT-BIC code from the FI

The SWIFT code consists of 8 to 11 alphanumeric characters. When an 8-digit code is given, it refers to the primary office:

  • First 4 characters - bank code (only letters)

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

  • Next 2 characters - location code (letters and digits) (passive participant will have "1" in the second character)

  • Last 3 characters - branch code, optional ('XXX' for primary office) (letters and digits)

2. Process initial award

You must update ITS.gov 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 ITS.gov when the payment processes, the payment rejects and returns to our agency.

NOTE: If there is dire need or hardship involved, advise 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 and processes 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 ITS.gov 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.

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 will not accept IDD unless the address is in a foreign country.

If yes, go to step 3.

3

Is the beneficiary's account a Euro account at an FI in Finland? If yes, STOP.

REASON: Beneficiaries in Finland can only receive IDD payments in Euro accounts.

If no, go to step 4.

4

Code the RTN field as follows:

  • Start with 71, the prefix assigned to the processor bank in Finland.

  • Code three zeros “000”

  • Code the three digit of bank code.

  • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

5

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.

6

Code the DAN as follows:

  • Start with G, the letter designated to Finland.

  • Code the 11-digit bank account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.322F.

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

 

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

G. Example of coding Finland direct deposit

The customer provides us with a signup form for Finland containing the following information: "FI2112345600000785".

  • The first 2 characters of the Finland IBAN are “FI”, which represents the International Organizational for Standardization (ISO) country code.

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

  • The next three characters of the IBAN represent the 3-digit bank code.

  • The last 11 characters represent the 11-digit account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the prefix of 71 (SSA designated prefix for IDD).

  • Code three zeros “000”

  • Code the three digit bank code “123”;

  • Code the one-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

2. Derive the DAN

The technician codes the DAN.

  • Code the letter “G” for Finland

  • Code the 11-digit account number “45600000785”

3. Obtain the following information

  • RTN: 710001238

  • Checking

  • DAN: G45600000785

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710001238 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: G45600000785

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN-710001238

  • DAN- CG45600000785

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.

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

GN 02402.375 Coding Pakistan Bank Data on the Master Beneficiary Record (MBR)

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

For detail 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-OP46 (International Direct Deposit Signup Form for Pakistan); or

  • any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processing FI for Pakistan 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 “P” assigned for Pakistan.

D. Overview of IDD for Pakistan

IDD payments sent to Pakistan must be in Pakistani Rupee (PKR) 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 that territory. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Pakistan IDD bank data

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

IMPORTANT: Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

F. Procedure for coding Pakistan 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 our agency.

You may establish or change IDD bank data for Pakistan, using an SSA system (e.g., Modernized Claims System (MCS), or Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

  • account type;

  • account ownership;

  • bank name;

  • bank address;

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

  • computerized or smart national identity card (ex. “CNIC 1234567890123” or “SNIC 1234567890123”);

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

    NOTE: Technicians must annotate the entire middle name instead of the initial in the payee legend field on the MBR.

  • IBAN;

  • payee indicator;

  • phone number; and

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

If the beneficiary does not have a CNIC or SNIC, then enter his or her passport number in the “Beneficiary ID” field (Use the prefix of “Passport #). If the beneficiary is a minor child, use the B-Form or Child Registration Certificate (CRC). If the B-form or CRC is unavailable, request the CNIC or SNIC of the parent or guardian.

1. Obtain SWIFT-BIC code from the FI

The SWIFT code for Pakistan contains 8 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

2. Process initial award

You must update ITS.gov using the bank account information prior to processing the initial award 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 an SSA system

When you add or update IDD bank data using an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

  • update ITS.gov on the same day;

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

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

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 PKR account in Pakistan? If no, STOP.

REASON: Beneficiaries in Pakistan can only receive IDD payments in PKR accounts.

If yes, go to step 4

4

The RTN is 710000031 for all IDD to Pakistan. It contains the:

  • Multi-country prefix of “71” for Pakistan IDD.

  • U.S. check digit code of “1” at the end of the RTN for all Pakistan IDD.

No need to obtain the check digit code from Title II Interactive Comps.

5

Code the account type:

  • “S” savings, or

  • “C” checking.

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

6

Code the depositor account number (DAN) for Pakistan as follows:

  • “P” for Pakistan

  • 16-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information as listed in GN 02402.375F.

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

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

G. Example of coding Pakistan direct deposit

The customer provides us with the IBAN PK36SCBL0000001123456702

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

  • The third and fourth characters of the IBAN are the IBAN check digits.

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

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

NOTE: The technicians should never code the IBAN ISO country code, the check digit, or the bank code to the MBR.

1. Derive the RTN

The technician must enter the following information for the RTN.

  • Code the RTN of 710000031

  • 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 must code the DAN.

  • Start with a country code of P designated for Pakistan;

  • Code the 16-digit Account Number “0000001123456702”

3. Technician must obtain the following:

  • IBAN PK36SCBL0000001123456702

  • Checking

  • RTN: 710000031

a. POS coding reflects this information :

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000031

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: P0000001123456702

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information:

  • RTN-710000031

  • DAN- CP0000001123456702

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.

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

GN 02402.376 Coding Peru Bank Data on the Master Beneficiary Record (MBR)

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

For more detail 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-OP43 International Direct Deposit Signup Form for Peru; or

  • Any document that contains the required banking information.

If upon receipt of the information, there are any discrepancies, follow instructions

C. Multi-country contract

The processing FI for Peru has a prefix of 70 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 Peru.

D. Overview of IDD for Peru

IDD payments sent to Peru must be in Peruvian sol (PEN) 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 Peru. The FBU contacts the beneficiary or FI for additional info.

E. Description of Peru IDD bank data

The data for coding IDD for Peru comes from banks determined by the FRBKC. The bank data for Peru reflected on the MBR consists of up to 27 characters including the country code of Q for Peru.

IMPORTANT : Because the DAN field can only hold up to16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

F. Policy for coding Peru 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 Peru, you can use an SSA system (i.e. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must go to ITS.gov to enter the following:

  • account number

  • account ownership;

  • account type;

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

  • beneficiary ID (enter the 8-11 digit tax ID required in "Beneficiary ID" field as TAX IDXXXXXXXX)

  • CCI (20-digit Codigo de Cuenta Interbancario in "Country Bank Info" field)

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

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

1. The SWIFT code should consist 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

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 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.

3. Add or update bank data using SSA systems

When you add or update IDD bank data using an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

  • update on the same day ITS.gov ;

  • 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.

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 PEN account in Peru? If no, STOP.

REASON: Beneficiaries in Peru can only receive IDD payments in PEN accounts.

If yes, go to step 4

4

The RTN is 700000025 for all IDD to Peru. It contains the:

  • multi-country prefix of “70” for Peru IDD;

  • U.S. check digit code of “5” at the end of the RTN for all IDD in Peru.

No need to obtain the check digit code from Title II Interactive Comps.

5

Code the Type of Account as:

  • “S” for savings; or

  • “C” for checking.

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

6

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

  • Start with a country code of Q designated for Peru

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

7

You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.376F in this section

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

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

G. Example of coding Peru direct deposit

The customer provides us with a signup form for Peru containing the Account Number 1234567890123456.

1. Derive the RTN

The technician must code the RTN as follows:

  • Code an RTN of 700000025;

  • 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

To derive the DAN, code as follows:

  • Start with an alpha country code of “Q” designated for Peru;

  • Code up to 16-digits of the Account Number “1234567890123456”.

  1. a. 

    The technician must obtain the following :

    • RTN: 700000025

    • Checking

    • DAN: Q1234567890123456

  2. b. 

    The coding in an SSA System reflects:

    • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000025

    • ACCOUNT TYPE (C/S): C

    • DEPOSITOR ACCOUNT NUMBER: Q1234567890123456

    • CANCEL DIRECT DEPOSIT (Y):

    • DIRECT EXPRESS (Y):

  3. c. 

    The MBR reflects the following information:

    • RTN- 700000025

    • DAN- CQ1234567890123456

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.

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


GN 02402 TN 263 - Direct Deposit - Title II and Title XVI - 3/08/2024