Effective Dates: 04/25/2024 - Present Previous | Next

TN 268 (04-24)

GN 02402.297 Coding Morocco Bank Data on the Master Beneficiary Record (MBR)

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

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    SSA-1199-OP58 International Direct Deposit Sign-Up Form for Morocco; or

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    Any document that contains required banking information.

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

  • •

    GN 00203.020, Identity of Claimants

  • •

    GN 02402.025, Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Morocco has prefix "68" at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “R” assigned to Morocco.

D. Overview of IDD for Morocco

IDD payments sent to Morocco must be in Moroccan Dirham (MAD) 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 Morocco. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for Morocco

The data for coding IDD for Morocco comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of R.

IMPORTANT: Because the DAN field can only hold up to 16 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 Morocco 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.

You may establish or change IDD bank data for Morocco 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:

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    first and last name of the beneficiary

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    payee indicator

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    enrollment status

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    country

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    account type

  • •

    account ownership

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    24-digit Relevé d'Identité Bancaire (RIB)

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

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    beneficiary address

1. RIB format description

The format for the 24-digit RIB consists of the following information used for the foreign routing number:

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    3-digit bank code

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    3-digit location or branch code

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    16-digit account number

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    2-digit check number

The technician must enter the entire 24-digit RIB into the Account Number field in ITS.gov.

Additionally, enter the bank code in the bank code field and the branch code in the branch code field in ITS.gov.

2. Obtain SWIFT-BIC code from the FI

The SWIFT code contains a minimum of 8 characters and a maximum of 11 characters:

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    First four characters - bank code (alpha only);

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    Next two characters - ISO 3166-1 alpha-two country code (alpha only);

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    Next two characters - location code (alpha and numeric) (passive participant have "1" in the second character); and

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    Last three characters - branch code, optional ('XXX' for primary office) (alpha and numeric).

3. 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.

4. 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 MAD account in Morocco?

If no, STOP.

REASON: Beneficiaries in Morocco can only receive IDD payments in MAD accounts.

4

To derive the 9-digit RTN for Morocco, code as follows:

  • •

    Multi-country prefix of "68" for Morocco IDD;

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    3-digit bank code (digits 1 through 3 of the RIB);

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    3-digit branch code (digits 4 through 6 of the RIB); and

  • •

    U.S. check digit code obtained through Title II Interactive Comps.

5

Code the account type:

  • •

    “S” for savings; or

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    “C” for checking.

If the beneficiary does not indicate an account type, use a “C” for checking account.

6

To code the DAN for Morocco, code as follows:

  • •

    Start with a country code of "R"

  • •

    16 digits of the 24-digit account number (from the RIB)

7

 You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.297F.

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 Morocco direct deposit

The customer provides us with a signup form for Morocco containing the account number: 123456789012345678901234 (entire RIB).

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the prefix of 68;

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    Code the 3-digit bank code: 123 (from RIB);

  • •

    Code the 3-digit branch code: 456 (from RIB);

  • •

    Code the U.S. check digit (i.e., 4) (obtained from the Title II interactive comps from the Main Menus 07/Sub Menu 16); and

  • •

    Code the account type 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 codes the DAN.

  • •

    Start with a country code of "R" designated for Morocco; and

  • •

    Code 16 digits of the 24-digit account number: 7890123456789012.

3. Obtain the following information:

  • •

    RTN: 681234564

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    Checking

  • •

    DAN: R7890123456789012

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 681234564

  • •

    ACCOUNT TYPE (C/S): C

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    DEPOSITOR ACCOUNT NUMBER: R7890123456789012

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    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 681234564

  • •

    DAN- CR7890123456789012

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)

To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202402297
GN 02402.297 - Coding Morocco Bank Data on the Master Beneficiary Record (MBR) - 04/25/2024
Batch run: 04/25/2024
Rev:04/25/2024