TN 244 (10-23)

GN 02402.396 Coding Montenegro Bank Data on the Master Beneficiary Record (MBR)

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

  • Blank check;

  • SSA-1199-OP100 Direct Deposit Signup Form for Montenegro; or

  • Any document containing required banking information.

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

  • GN 00203.020, Identity of Claimants

  • GN 02402.025, Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Montenegro will have a prefix of “70” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “W” assigned for Montenegro.

D. Overview of IDD for Montenegro

IDD payments sent to Montenegro must be in Euro accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefit Unit (FBU) for input. DIO faxes incomplete forms to the FBU that serves Montenegro. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Montenegro IDD bank data

The data for coding IDD for Montenegro comes from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The full length of the IBAN for Montenegro consists of 22 characters. The bank data on the MBR consists of 24 characters including the country code of W.

F. Procedure for coding Montenegro 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 Montenegro using an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must go to to enter the following data:

  • account ownership;

  • account type;

  • beneficiary address

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • IBAN

  • payee indicator; and

  • 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:

  • 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).

2. Process initial award

You must update using 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 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 an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

  • update 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.




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 a Euro account in Montenegro?

If no, STOP.

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

If yes, go to step 4.


The RTN is 700000054 for Montenegro. It contains the:

  • multi-country prefix of “70” for Montenegro IDD;

  • U.S. check digit code of “4” at the end of the RTN for all IDD accounts in Montenegro.

No need to obtain the check digit code from Title II Interactive Comps.


Code the Type of Account as follows:

  • “S” for savings, or

  • “C” for checking.

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


To code the Depositor Account Number (DAN) for Montenegro, code :

  • “W” designated for Montenegro,

  • 13-digit account number.


You must take action on the same business day to enter into all the information listed in GN 02402.396F.

You must access or ask a co-worker to update the required information into

REMINDER: When information is not available, FRBKC rejects the payment and returns it to our agency.

G. Example for coding Montenegro direct deposit

The customer provides us with a signup form for Montenegro containing the account number information: "ME25505000012345678951".

  • The first two characters of a Montenegro IBAN are “ME,” which represents the International Organization for Standardization (ISO) country code.

  • The third and fourth characters of the IBAN are the IBAN check digits.

  • The fifth through seventh characters of the IBAN are the Bank Identifier.

  • The eight through twentieth characters represent the thirteen-digit account number.

  • The last two digits of the IBAN represent the check digit for the account number.

The technicians should never code the IBAN ISO country code, the Bank Identifier, or the check digits to the MBR for Montenegro.

1. Derive the RTN

The technician enters the information for the RTN :

  • Code the RTN of 700000054

  • 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

To technician codes the DAN:

  • Start with a country code of W designated for Montenegro; and

  • Code digits of the Customer Account Number “0000123456789”

3. Obtain the following information:

  • RTN: 700000054

  • Checking

  • DAN: W0000123456789

a. POS reflects the direct deposit information






b. The MBR reflects the following information

  • RTN-700000054

  • DAN-CW0000123456789

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.

  • International Treasury Services (U.S. Treasury system)

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GN 02402.396 - Coding Montenegro Bank Data on the Master Beneficiary Record (MBR) - 10/18/2023
Batch run: 01/29/2024