Effective Dates: 05/09/2018 - Present Previous | Next

TN 259 (03-24)

GN 02402.345 Coding Estonia Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Estonia 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 Estonia. 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 Estonia direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Estonia 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, fax, or email in the following formats:

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    a blank check,

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    SSA-1199-ES International Direct Deposit signup form for Estonia; or

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    any documents that contain the required banking information.

 

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

  • •

    GN 00203.020 Identity of Claimants

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    GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Estonia will have a prefix of “66” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “F” assigned for Estonia.

D. Overview of IDD for Estonia

IDD payments sent to Estonia 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 Estonia. The FBU contacts the beneficiary or FI for additional information.

E. Description of Estonia IDD bank data

The data for coding IDD for Estonia comes from the International Bank Account Number (IBAN) provided to the beneficiary from FI. The IBAN is 20 characters. However, the IDD bank data reflected on the MBR consists of 22 characters. Technicians use the IBAN to derive the RTN and DAN when processing an IDD request.

F. Policy for coding Estonia 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 Estonia 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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    account ownership

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    account type

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    account number

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    beneficiary address

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    beneficiary phone number

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    country

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    enrollment status

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    first and last name of the beneficiary

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    payee indicator

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    reclamation country

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    IBAN

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

1. Obtain the SWIFT-BIC code

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

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    First 4 characters - bank code (only letters);

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

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

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    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 Estonia require input into ITS.gov and an SSA system (MCS, MACADE) on the same day. You must complete all initial claims that the International Benefits Office (IBO) takes. You must input all initial claims involving Estonia IDD into ITS.gov and an SSA system (MCS, MACADE) 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:

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    update on the same day ITS.gov ;

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    enter all POS direct deposit changes according to normal procedures;

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    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.

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    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 Euro account at an FI in Estonia?

If no, STOP.

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

If yes, go to step 4.

4

To derive the RTN (a total of nine digits ) for Estonia:

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    Start with 66 (the multi-country prefix SSA and FRBKC have designated to use for Estonia IDD),

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    Code the two-digit bank code,

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    Code the two-digit branch code,

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    Code two filler zeros “00,” and

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    Code the check digit value of the RTN, which you will obtain through 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:

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    “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 Depositor Account Number (DAN) for Estonia, code:

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    Start with “F”, the letter assigned to show that the FI is in Estonia; and

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    Code the 12-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.345F.

You must access 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 Estonia IDD

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

"EE382200221020145685".

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

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

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    The next two characters of the IBAN represent the two-digit bank code.

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    The next two digits represent the branch code.

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    The last 12 characters represent the account number.

1. Derive the RTN

The technician enters the information for the RTN:

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    Code the prefix of 66 

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    Code the two-digit bank code, “22”

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    Code the two-digit branch code, “00”

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    Code a two filler of zeros; “00”

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    Code the one-digit check code (i.e., 7) (obtained from Title II Interactive Comps from Main Menu 07/Sub Menu 16);

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    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 codes the DAN:

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    Use the letter “F” (for Estonia); and

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    The 12-digit account number “221020145685”.

3. Obtain the following information

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    RTN: 662200002

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    Checking

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    DAN: F221020145685

a. POS refelcts the direct deposit information

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    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 662200002ACCOUNT TYPE (C/S): C

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    DEPOSITOR ACCOUNT NUMBER: F221020145685

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    CANCEL DIRECT DEPOSIT (Y):

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    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

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    RTN-662200002

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    DAN-CF221020145685

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/0202402345
GN 02402.345 - Coding Estonia Bank Data for the Master Beneficiary Record (MBR) - 05/09/2018
Batch run: 05/06/2025
Rev:05/09/2018