TN 224 (10-22)

GN 02402.379 Coding Nigeria Bank Data on the Master Beneficiary Record (MBR)

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Nigeria. 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 Nigeria direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Nigeria to the beneficiary's local FI.

NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing. For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C.

A. 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-OP53 Direct Deposit Sign-Up Form for Nigeria; or

  • Any document containing required banking information

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.

B. Multi-country contract

The processing FI for Nigeria has a prefix of 68 at the beginning of the Routing Transit Number (RTN).

C. Overview of IDD for Nigeria

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

D. Description of Nigeria IDD bank data

The data for coding IDD for Nigeria comes from banks determined by the FRBKC. The bank data reflected on the MBR consists of 21 characters including Nigeria’s country code of D.

E. Procedure for coding Nigeria 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 Nigeria, you can use an SSA system (i.e. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must go to to enter the full Society for Worldwide Interbank Financial Telecommunication- Business Identifier Code (SWIFT-BIC) and the 10 digit Uniform Bank Account Number (NUBAN). You must enter the NUBAN into the account field in If the complete bank account information is not in when the payment processes, the payment rejects and returns to SSA. When using, bank data posts to the MBR within 4 business days.

NOTE: No P.O. box address is allowed when enrolling individuals into IDD for Nigeria.

The SWIFT code consists of the following 8 to 11 alphanumeric 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 participant have "1" in the second character); and

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

1. Initial award processing

Secure the full SWIFT-BIC and NUBAN from the beneficiary at the time of filing. If you are working on an initial award, you must update using the bank account information prior to processing the award to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in when the payment processes, the payment rejects and returns to SSA.

2. Adding or updating bank data using SSA systems

You must enter the full SWIFT-BIC and NUBAN information into on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for Nigeria within 4 business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:







Are you coding an initial claim?

If yes, go to step 3.

If no, go to step 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.


Is the beneficiary's account an NGN account in Nigeria? If no, STOP.

REASON: Beneficiaries in Nigeria can only receive IDD payments in NGN accounts.

If yes, go to step 4


The RTN is 680000022 for all IDD to Nigeria. SSA and FRBKC have designated 68 as the multi-country prefix for Nigeria IDD. The “2” at the end of the RTN represents the U.S. check digit code for all IDD accounts in Nigeria. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.


Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.


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

  • Start with a country code of D designated for Nigeria

  • Code the 10-digit Customer Account Number.


You must enter the full SWIFT-BIC and NUBAN into on the same business day. Do not code the RTN in, as will propagate this information.

If you do not have access to , ask a co-worker who has access to update the required information into FRBKC will need all of this information in order to process the IDD payment. When this information is not available, FRBKC will reject the payment and return it to SSA.

F. Example of coding Nigeria direct deposit

The customer provides us with a signup form for Nigeria containing the Account Number (ex.1234567890).

The technician should take the following actions:

  1. 1. 

    Derive the RTN as follows:

    • Code an RTN of 680000022

    • 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. 2. 

    Derive the DAN as follows:

    • Start with an alpha country code of “D” designated for Nigeria;

    • Code the 10-digits of the Account Number “1234567890”.

The technician obtains the following:

RTN: 680000022


DAN: D1234567890

The coding in an SSA System reflects the following information:






The MBR reflects the following information:

RTN-680000022 DAN-CD1234567890

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GN 02402.379 - Coding Nigeria Bank Data on the Master Beneficiary Record (MBR) - 10/14/2022
Batch run: 10/14/2022