TN 115 (10-18)

GN 02402.418 Coding El Salvador Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding El Salvador 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 El Salvador. 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 an El Salvador direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in El Salvador 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 detail on IDD requests and forwarding information, see to GN 02402.201, GN 02402.205, GN 01010.255, and GN 01702.310C.

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

  • SSA-1199-OP97 International Direct Deposit Signup Form for El Salvador

  • 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

C. Multi-country contract

The processing FI in El Salvador has a prefix of 72 at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “D” assigned for El Salvador.

D. Overview of IDD for El Salvador

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 El Salvador. The FBU contacts the beneficiary or FI for additional information.

E. Description of IDD Bank Data for El Salvador

The data for coding IDD for El Salvador comes from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The full length of the IBAN for El Salvador consists of 28 characters.

F. Policy to code bank data for El Salvador

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 El Salvador, 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 following information:

  • account ownership;

  • account number

  • account type;

  • beneficiary address

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • IBAN

  • payee indicator;

  • reclamation country

  • 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. Initial award processing

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.

3. Adding or updating bank data using SSA systems

You must update 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 El Salvador within four 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 a USD in El Salvador?

If no, STOP.

REASON: Beneficiaries in El Salvador can only receive IDD payments in USD accounts.


If yes, go to step 4

4 The RTN is 720000050 for all IDD to El Salvador. SSA and FRBKC have designated “72” as the multi-country prefix for El Salvador IDD. The “0” at the end of the RTN represents the U.S. check digit code for all IDD accounts in El Salvador. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.
5 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.

To code the Depositor Account Number (DAN) for El Salvador, code as follows:

  • Start with a country code of “D” designated for El Salvador

  • Code up to 16 characters of the 20-digit Customer Account Number.

NOTE: The full Customer Account Number can contain up to 20 characters, see step 7.


You must take action on the same business day to enter the full Customer Account Number and full SWIFT and IBAN into along with the information listed in the introduction of GN 02402.418F in this section.

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.

G. Example for coding bank data for El Salvador

The customer provides us with a signup form for El Salvador containing the following information: SV62CENR00000000000000700025

The first two characters of a El Salvador IBAN are “SV,” which represents the International Organization for Standardization (ISO) country code and the third and fourth characters of the IBAN are the IBAN check digits. The technicians should never code the IBAN ISO country code or the check digit to the MBR. The next 4 characters of the IBAN represent the 4-digit bank code. The last 20 characters represent the 20-digit account number.

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 720000050

  • 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

Enter the information for the RTN.

  • Code the letter “ D ” designated for El Salvador

  • Code 16 digits of the 20-digit account number “ 0000000000000070 ”

  • Coding in will reflect:

The technician will obtain the following:


RTN: 720000050 Checking

DAN: D0000000000000070

The coding in an SSA System will reflect:






The MBR will reflect the following information:

RTN- 720000050 DAN- D0000000000000070

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GN 02402.418 - Coding El Salvador Bank Data on the Master Beneficiary Record (MBR) - 10/25/2018
Batch run: 01/19/2024