SSA - POMS: GN 02402.357 - Coding Croatian Bank Data on the Master Beneficiary Records (MBR)

A. Background for coding Croatia 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 Croatia. The Social Security Administration (SSA) stores bank data on the Master Beneficiary Record (MBR) in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Croatia direct deposit and allows SSA to route benefit payments through the Federal Reserve Bank of Kansas (FRBKC) and the processor bank in Croatia to the beneficiary's 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

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GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.
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GN 02402.205, Direct Deposit Enrollment Outside the U.S.
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GN 01010.255, Adjudication of Foreign Claims
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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:

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Blank check;
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SSA-1199-OP50 International Direct Deposit Sign-up Form for Croatia; or
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Any document containing required banking information.

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

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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 Croatia will have a prefix of 66 at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “Q” assigned for Croatia.

D. Overview of IDD for Croatia

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 Croatia. The FBU contacts the beneficiary or FI for additional information.

E. Description of Croatia direct deposit data

The data for coding Croatia IDD will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 21 characters including the country code of “Q” for Croatia.

F. Procedure for coding Croatia routing and 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 Croatia 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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beneficiary address
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country;
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enrollment status;
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first and last name of beneficiary;
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IBAN;
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payee indicator; and
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Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).

1. SWIFT-BIC code obtained 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 (only letters);
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Next two characters - ISO 3166-1 alpha-two country code (only letters);
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Next two characters - location code (letters and digits) (passive participant have "1" in the second character); and
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Last three 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.

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 ITS.gov on the same day;
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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. 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 IDD information. If yes, go to step 3.
3	Is the beneficiary's account a Euro account in Croatia? If no, STOP. REASON: Beneficiaries in Croatia can only receive IDD payments in Euro accounts. If yes, go to step 4.
4	To derive the 9-digit RTN for Croatia, code as follows: • prefix of 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Croatia), • first 6 digits of the 7-digit bank code, and • 1-digit check code, (obtained 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 Type of Account as follows: • “S” for savings or • “C” for checking. If no indicated account type, use a “C” for checking account.
6	Code the DAN for Croatia as follows: • “Q” designated for Croatia, • last digit of the bank code, and • 10-digit account number.
7	You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.457F. 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 Croatian bank data

The customer provides us with a signup form for Croatia containing the following information: "HR1210010051863000160".

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The first 2 characters of a Croatian IBAN “HR,” represent the International Organization for Standardization (ISO) country code
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The third and fourth characters of the IBAN are the IBAN check digits. The technicians should never code these to the MBR.
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mThe next 7 characters of the IBAN represent the 7-digit bank code.
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The last 10 characters of the IBAN represent the 10-digit account number.

1. Derive the RTN

The technician enters the information for the RTN

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prefix of “66” (the multi-country prefix for Croatia),
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first 6 digits of the 7-digit bank code “100100”,
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1-digit check digit code (i.e., 8) (obtained from the Title II Interactive Comps from the Main Menus 07/Sub Menu 16), and
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type of account as a “C” for checking or an “S” for savings. If no indicated account type, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN

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“Q” (for Croatia),
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last digits of the bank code“5”, and
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10-digit Customer Account Number “1863000160”.

3. Obtain the following information

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RTN: 661001008
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Checking
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DAN: Q51863000160

a. POS reflects the direct depsit information

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DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 661001008 ACCOUNT TYPE (C/S): C
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DEPOSITOR ACCOUNT NUMBER: Q51863000160
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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-661001008
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DAN-CQ51863000160

H. References

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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)

Social Security

Program Operations Manual System (POMS)

GN 02402.357 Coding Croatian Bank Data on the Master Beneficiary Records (MBR)