Effective Dates: 8/25/2026 - Present

Identification Number:
GN 02402 TN 327
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM
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 – Payments
Subchapter 02 – Direct Deposit - Title II and Title XVI
Transmittal No. 327, 08/25/2026

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

FM

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). In accordance with instructions from the Department of the Treasury, we implemented a new IDD procedure for the country of Benin. Additionally, for enrollments in Sweden, the International Bank Account Number (IBAN) is now required. To align with new global standards, IDD payments processed through the International Treasury Services (ITS) will also require an updated address format.

Summary of Changes

GN 02402.308 Coding Swedish Bank Data for the Master Beneficiary Record (MBR)

We updated the country name to Sweden for accuracy and consistency within our POMS. We replaced Office of Earnings and International Operations with the International Benefits and Processing.

Subsection E, We update this section per updated enrollment requirements provided by Treasury.

Subsection F, We added the new address format required to enroll individuals into ITS.gov. We reformatted to chart and parts of the subsection to reflect the updated enrolment instructions.

GN 02402.317 Coding British Virgin Islands Bank Data for the MBR

Subsections A, B, C, D, & E, We reformatted the instructions. We update the instructions to enroll individuals into IDD. We replaced Office of Earnings and International Operations with the International Benefits and Processing.

Subsection F, We added the new address format required to enroll individuals into ITS.gov. We added a chart and updated enrolment instructions.

Subsection H, We added references.

GN 02402.337 Coding Israeli Bank Data on the Master Beneficiary Record (MBR)

Subsection F, We added an important note to explain technicians how to differentiate between a Palestinian account and an Israeli account. We added a reference to verify and use the correct consular code. We replaced Office of Earnings and International Operations with the International Benefits and Processing.

GN 02402.406 Coding Palestine Bank Data on the Master Beneficiary Record (MBR)

We replaced Office of Earnings and International Operations with the International Benefits and Processing.

Subsection F, We added an important note to explain technicians how to identify a Palestinian account, and a reference to verify and use the correct consular code. We added the new address format required to enroll individuals into ITS.gov.

GN 02402.486 Coding Benin Bank Data on the Master Beneficiary Record (MBR)

We created a new IDD policy for the country of Benin.

GN 02402.308 Coding Sweden Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Sweden bank data

IMPORTANT: Because of the complexities of banking in Sweden, the Financial Institutions (FIs) sometimes delete essential digits from the bank data or include digits that are not used for electronic funds transfer. The Federal Benefits Unit (FBU) in Norway is experienced in reviewing the data for possible errors and contacting the FI if there is a question. Therefore, all IDD coding for Sweden will be done or reviewed by the FBU in Oslo, Norway.

This section describes how to code bank data for direct deposit of Title II benefits to a bank in Sweden. The bank data will be stored on the MBR in the same fields as are used for U.S. direct deposit. Special coding identifies the data as Sweden IDD and allows benefit payments to route through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Sweden to the beneficiary's FI.

The data for coding Sweden IDD may come from a signup form for Sweden (see GN 02402.308B) or from the equivalent information received by mail, phone, fax, or E-mail.

If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to International Operations (IO), International Benefits and Processing (IBP). IBP will then send the information to the FBU in Oslo, Norway to process the IDD enrollment.

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-SW International Direct Deposit Signup Form for Sweden; or

  • •

    Any document that contains required banking information.

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

C. Multi-country contract

The processing FI in Sweden will have a prefix of 57 at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for Sweden

IDD payments sent to Sweden must be in Swedish krona (SEK) accounts at local FIs. The beneficiary must provide complete information to IBP or the Federal Benefits Unit (FBU) for input. IBP faxes incomplete forms to the FBU that serves Sweden. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Sweden bank data

The data to code IDD for Sweden comes from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The full length of the IBAN for Sweden consists of 24 characters.

F. Procedure for coding Sweden bank data

The FRBKC relies on us to provide the complete bank data to ensure correct posting of payments to a customers 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 Sweden 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:

  • •

    first and last name of the beneficiary;

  • •

    payee indicator;

  • •

    enrollment status;

  • •

    country;

  • •

    account type;

  • •

    account ownership;

  • •

    account number;

  • •

    beneficiary address - NOTE: Enter the beneficiary’s address in this format: SE/Town/Name. Start with the ISO country code for Sweden (SE);

  • •

    reclamation country;

  • •

    IBAN;

  • •

    Society for Worldwide Internet Financial Telecommunication (SWIFT).

1. Obtain SWIFT-BIC code from the FI

The SWIFT code 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).

2. Process initial award

Prior to processing an initial award to ensure that the beneficiary receives payment you must update the bank account information ITS.gov. When the payment is processed, the payment rejects and returns to our agency if the complete bank account information is not in ITS.gov.

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 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 SEK account in Sweden? If no, STOP.

     

    REASON: Beneficiaries in Sweden can only receive IDD payments in SEK accounts.

     

    If yes, go to step 4.

    4

    The RTN is 570000006 for Sweden. It contains the:

     

    • –

      ·Multi-country prefix of “57” for Sweden IDD;

    • –

      ·US check digit code of “6” at the end of the RTN for all IDD accounts in Benin.

    NOTE: No need to obtain the check digit code from Tittle 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 DAN as follows:

     

    • –

      17 digit account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.308F.

     

    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 Sweden direct deposit

The customer provides us with a signup form for Sweden containing the following account number: "SE4550000000058398257466".

  • •

    The first character of the IBAN is "SE", it represents the International Organization for Standardization (ISO) country code.

  • •

    The third and fourth characters of the IBAN are the IBAN check digit. Never code the IBAN country code or check digit to the MBR.

  • •

    The fifth through seventh characters of the IBAN represents the bank code.

  • •

    The last 17 digits of the IBAN represent the account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the RTN: 570000006

  • •

    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 enters the DAN.

  • •

    Code the last 17 digits of the IBAN: 00000058398257466

3. Obtain the following information

  • •

    RTN: 570000006

  • •

    Checking

  • •

    DAN: 00000058398257466

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 570000006 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: 00000058398257466

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 570000006

  • •

    DAN- C00000058398257466

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 02402.317 Coding British Virgin Islands Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding British Virgin Islands bank data

This section describes how to code bank data for direct deposit of Title II benefits to a financial institution (FI) in British Virgin Islands. The bank data will be stored on the MBR in the same fields as are used for U.S. direct deposit.

Special coding identifies the data as direct deposit for the British Virgin Islands. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in British Virgin Islands 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 International Operations (IO), International Benefits and Processing (IBP) 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-OP7 International Direct Deposit Signup Form for the British Virgin Islands; or

  • •

    Any document that contains the required banking information.

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

C. Multi-country contract

Citibank serves as the processor bank for IDD to several countries, including British Virgin Islands. All Caribbean countries for which Citibank is the processor bank have a prefix of 70 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 British Virgin Islands is "G".

D. Overview of IDD for the British Virgin Islands

IDD payments sent to the British Virgin Islands must be in U.S. dollar (USD) accounts at local FIs. The beneficiary must provide complete information to IBP or the Federal Benefits Unit (FBU) for input. IBP faxes incomplete forms to the FBU that serves the British Virgin Islands. The FBU contacts the beneficiary or FI for additional information.

E. Description of British Virgin Islands Bank Data

The data for coding IDD for the comes from banks determined by the FRBKC. The bank data on the MBR consists of 22 characters including the British Virgin Islands country code of "G".

  • •

    A bank code of 9 digits (a zero, a 3-digit bank code, and a 5-digit branch code); and

  • •

    An account number of up to 12 characters.

F. Procedure for coding British Virgin Islands IDD 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 our agency.

You may establish or change IDD bank data for British Virgin Islands 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:

  • •

    first and last name of the beneficiary;

  • •

    payee indicator;

  • •

    enrollment status;

  • •

    country;

  • •

    account type;

  • •

    account ownership;

  • •

    Society for Worldwide Interbank Financial Telecommunication - Business Identifier Code (SWIFT-BIC);

  • •

    beneficiary address – NOTE : Enter the beneficiary’s address in this format: VG/Town/Name . Start with the ISO country code for the British Virgin Islands (VG);

  • •

    bank name;

  • •

    bank address.

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

Prior to processing an initial award to ensure that the beneficiary receives payment you must update the bank account information ITS.gov. When the payment is processed, the payment is rejected and returns to our agency if the complete bank account information is not in ITS.gov.

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 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 USD account in the British Virgin Islands? If no, STOP.

     

    REASON: Beneficiaries in British Virgin Islands can only receive IDD payments in XOF accounts.

     

    If yes, go to step 4.

    4

    Code the RTN as follows:

     

    • –

      Start with 70, the prefix assigned to countries for which Citibank is the processor bank;

    • –

      Code a zero (0);

    • –

      Code the 3-digit bank code;

    • –

      Code the first two digits of the 5-digit branch/transit 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: No need to obtain the check digit code from Tittle 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 DAN as follows:

     

    • •

      Start with the country code of "G" designated for the British Virgin Islands;

    • •

      Code the remaining 3 digits of the Branch/Transit Code;

    • •

      Code the account number. Do not include any dashes or spaces.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.317F.

     

    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 British Virgin Islands direct deposit

The customer provides us with a signup form for the British Virgin Islands containing the account number: "123456789012", Bank Code (123), and Branch/Transit Code (45678).

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the RTN 700123452 - (The final digit, 2, is the U.S. check digit for 70012345);

  • •

    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 co9des the DAN.

  • •

    Start with the country code of "G" designed for the British Virgin Islands;

  • •

    Code the remaining 3 digits of the Branch/Transit Code "678";

  • •

    Code the account number "123456789012".

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 02402.337 Coding Israel Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Israel 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 Israel. 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 Israel direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Israel 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 International Operations, (IO), International Benefits and Processing (IBP) 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-OP14 International Direct Deposit Signup Form for Israel; 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 Israel 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 Israel is R.

D. Overview of IDD for Israel

IDD payments sent to Israel must be in Israeli new shekel (ILS) accounts at local FIs. The beneficiary must provide complete information to IBP or the Federal Benefits Unit (FBU) for input. IBP faxes incomplete forms to the FBU that serves Israel. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Israel IDD bank data

Israeli bank data consists of a total of up to 15 digits, as follows:

  • •

    A Bank Code of 6 digits, beginning with zero (0).

  • •

    An Account Number up to 9 digits.

F. Procedure for coding Israel bank data

The FRBKC relies on us to provide the complete bank data to ensure correct posting of payments to a customers 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 Comoros 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:

IMPORTANT: If the five digit bank code starts with any of the following two-digit prefixes - 37, 38, 49, 66, 74, 76, 81, 84, or 89, it is an IDD account for Palestine, and not Israel. Technicians must verify and use the correct consular code as specified in NL 01510.100.

  • •

    account ownership

  • •

    account type

  • •

    account number

  • •

    6-digit bank code

  • •

    up to 9-digit account number

  • •

    bank address

  • •

    beneficiary address

  • •

    beneficiary phone number

  • •

    country

  • •

    enrollment status

  • •

    first and last name of the beneficiary

  • •

    payee indicator

  • •

    reclamation country

1. 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.

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 an ILS account in Israel ? If no, STOP .

     

    REASON: Beneficiaries in Israel can only receive IDD payments in ILS accounts.

     

    If yes, go to step 4.

    4

    Code the RTN field as follows:

     

    • –

      Start with 71, the prefix assigned to countries for which the FI in Israel is the processor bank;

    • –

      Code the 6-digit bank code, which always begins with 0 (zero). If only 5 digits are provided, add a zero at the front to make a total of 6 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 as follows:

    • •

      Start with R, the letter assigned to show that the FI is in Israel.

    • •

      Code up to 9 digits for the account number . Do not code any dashes.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.337F.

    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 for coding Israel direct deposit

A signup form for Israel contains the following information:

Bank code 123456. Account Number 123456789.

  • •

    The RTN will be 710124564. (The final digit, 4, is the U.S. check digit for 71012456.)

  • •

    The DAN will be R123456789

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 02402.406 Coding Palestine Bank Data on the Master Beneficiary Record (MBR)

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

Forward IDD requests received in a U.S. domestic (non-border) field office (FO) to International Operations (IO), International Benefits and Processing (IBP) 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-OP70 International Direct Deposit Signup Form for Palestine; or

  • •

    Any document containing required banking information.

If you receive information with discrepancies, see:

C. Multi-country contract

The processing FI in Palestine has a 68 at the beginning of the routing transit number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter V assigned for Palestine.

D. Overview of IDD for Palestine

IDD payments sent to Palestine must be in Israeli Shekel (ILS) accounts at local FIs. The beneficiary must provide complete information to IBP or the federal benefits unit (FBU) for input. IBP faxes incomplete forms to the FBU that serves Palestine. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Palestine IDD bank data

The data to code Palestine IDD originates from banks determined by the FRBKC. The bank data on the MBR consists of 19 characters including the country code V designated for Palestine.

F. Procedure to code Palestine bank data

The FRBKC relies on us to provide complete bank data to ensure correct posting of payments to a customers account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to us. When you use one of our systems to establish or change IDD bank data for Palestine (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:

IMPORTANT: If the five digit bank code starts with any of the following two-digit prefixes - 37, 38, 49, 66, 74, 76, 81, 84, or 89, it is an IDD account for Palestine. Technicians must verify and use the correct the consular code as specified in NL 01510.100.

  • •

    account ownership;

  • •

    account type;

  • •

    beneficiary address - NOTE: Enter the beneficiary’s address in this format: PS/Town/Name. Start with the ISO country code for Palestine (PS);

  • •

    beneficiary identification;

  • •

    country;

  • •

    enrollment status;

  • •

    first and last name of beneficiary;

  • •

    payee indicator;

  • •

    bank address - NOTE: Enter the bank address in this format: PS/Town/Name. Start with the ISO country code for Palestine (PS).

  • •

    5-digit bank code.

    NOTE: Bank codes are usually 5 digits (2n-bank and 3n-branch). Bank code entered in ITS must be 6-digits. If a bank code is less than 6-digits, the technician must add leading zeros.

1. Process initial award

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

2. 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 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 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 an ILS account in Palestine?

If no, STOP.

REASON: Beneficiaries in Palestine can only receive IDD

payments in ILS accounts.

4

The RTN is 680123456 for all IDD to Palestine contains:

  • •

    Multi-country prefix of 68 for Palestine;

  • •

    6-digit bank code - (bank code entered in ITS must be six-digits. If Bank Code is less than 6-digits, add leading zeros;

  • •

    U.S. check digit code for all IDD accounts in Palestine is the last digit of the RTN).

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 depositor account number (DAN):

  • •

    V for Palestine;

  • •

    Code up to a 10-digit account number.

7

You must enter all bank information into ITS.gov on the same business day as listed in GN 02402.406F.

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 us.

G. Example of coding Palestine direct deposit

The customer provides us with a signup form for Palestine with the account number:"1234567890".

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code RTN as 680123456 ;

  • •

    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

The technician codes the DAN:

  • •

    Start with country code V designated for Palestine; and

  • •

    Code the 10-digit account number 1234567890.

3. Technician obtains the bank data

  • •

    RTN: 680123456

  • •

    Checking

  • •

    DAN: V1234567890

a. POS coding reflects the bank data

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 680123456

  • •

    ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: V1234567890

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the bank data

  • •

    RTN 680123456

  • •

    DAN CV1234567890

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.

  • •

    NL 01510.100 Alphabetical List of Foreign Countries/Places

  • •

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

GN 02402.486 Coding Benin Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Benin 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 Benin. 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 Benin direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Benin 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 International Operations, (IO), International Benefits and Processing (IBP) 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 International Direct Deposit Signup Form for Benin; 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 Benin has a prefix of "73" at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “U” assigned for Benin.

D. Overview of IDD for Benin

IDD payments sent to Benin must be in West African franc (XOF) accounts at local FIs. The beneficiary must provide complete information to IBP or the Federal Benefits Unit (FBU) for input. IBP faxes incomplete forms to the FBU that serves Benin. The FBU contacts the beneficiary or FI for additional information.

E. Description of Benin IDD bank data

The data for coding IDD for Benin comes from banks determined by the FRBKC. The bank data on the MBR consists of 29 characters including Benin country code of U.

F. Procedure for coding Benin IDD 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 our agency.

You may establish or change IDD bank data for Benin 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:

  • •

    first and last name of the beneficiary;

  • •

    payee indicator;

  • •

    enrollment status;

  • •

    country;

  • •

    account type;

  • •

    account ownership;

  • •

    Society for Worldwide Interbank Financial Telecommunication - Business Identifier Code (SWIFT-BIC);

  • •

    beneficiary address – NOTE : Enter the beneficiary’s address in this format: BJ/Town/Name . Start with the ISO country code for Benin (BJ);

  • •

    bank name;

  • •

    bank address.

1. Obtain SWIFT-BIC code from FI

The SWIFT code contains a minimum of 8 characters and a maximum of 11 characters - NOTE: If known, it is highly recommended to use all 11 digits..

  • •

    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

Prior to processing an initial award to ensure that the beneficiary receives payment you must update the bank account information in ITS.gov. When the payment is processed, the payment rejects and returns to our agency if the complete bank account information is not in ITS.gov.

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 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 XOF account in Benin? If no, STOP.

REASON: Beneficiaries in Benin can only receive IDD payments in XOF accounts.

If yes, go to step 4
4

The RTN is 730000134 for Benin. It contains the:

  • •

    Multi-country prefix of “73” for Benin IDD;

  • •

    US check digit code of “4” at the end of the RTN for all IDD accounts in Benin.

NOTE: No need to obtain the check digit code from Tittle 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 DAN as follows:

  • •

    Start with a country code of "U" designated for Benin.

  • •

    16 digits of the up to 29-digit account number.
7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.486F.

NOTE: If the account number has more than 16 digits, you must code the entire account number in ITS.gov.

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 Benin direct deposit

The customer provides us with the signup form for Benin containing the account number: "12345678901122334455667788990"

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the RTN of 730000134 ;

  • •

    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 technicians codes the DAN.

  • •

    Start with a country code of "U" designated for Benin;

  • •

    Code 16 digits of the up to 29-digit account number “1234567890112233”

3. Obtain the following information

  • •

    RTN: 730000134

  • •

    Checking

  • •

    DAN: U1234567890112233

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 730000134

ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: U1234567890112233

  • •

    CANCEL DIRECT DEPOSIT (Y):

b. The MBR reflects the following information

  • •

    RTN-730000134

  • •

    DAN- CU1234567890112233

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 327 - Direct Deposit - Title II and Title XVI - 8/25/2026