POMS Reference

Table of contents Recent changes
Contact
Back
This change was made on Nov 16, 2017. See latest version.
Text removed
Text added

GN 02402.375: Coding Pakistan Bank Data on the Master Beneficiary Record (MBR)

changes
← * →
  • Effective Dates: 10/24/2016 - Present
  • Effective Dates: 11/16/2017 - Present
  • TN 65 (09-15)
  • TN 83 (11-17)
  • GN 02402.375 Coding Pakistani Bank Data on the Master Beneficiary Record (MBR)
  • GN 02402.375 Coding Pakistan 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 Pakistan. 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 Pakistani direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Pakistan to the beneficiary's local FI.
  • A. Background for coding Pakistan bank data
  • 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.
  • This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Pakistan. We store IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.
  • A. How we receive IDD bank data
  • Special coding identifies the bank data as a Pakistan direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Pakistan 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) DIO) for processing.
  • For detail 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 following formats:
  • * a blank check;
  • * an SSA-1199-OP46 (International Direct Deposit Signup Form for Pakistan) (For the link to the form see GN 02402.375G in this section); or
  • * an SSA-1199-OP46 (International Direct Deposit Signup Form for Pakistan); or
  • * any document that contains the required banking information.
  • NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.
  • If you receive information with discrepancies, see the following instructions:
  • * GN 00203.020 Identity of Claimants
  • * GN 02402.025 Direct Deposit Post Entitlement Interview
  • B. Multi-country contract
  • C. Multi-country contract
  • The processing FI for Pakistan has a prefix of 71 at the beginning of the Routing Transit Number (RTN).
  • C. Overview of IDD for Pakistan
  • D. Overview of IDD for Pakistan
  • IDD payments sent to Pakistan must be in Pakistani Rupee (PKR) accounts at local FIs. The beneficiary must provide complete information to the Embassy, Consulate, or DIO for input. DIO faxes incomplete forms to the Federal Benefits Unit (FBU) at the U.S. Embassy or Consulate that serves that territory, to contact the beneficiary or FI for additional information.
  • IDD payments sent to Pakistan must be in Pakistani Rupee (PKR) accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO faxes incomplete forms to the FBU that serves that territory. The FBU contacts the beneficiary or FI for the additional information.
  • D. Description of Pakistani IDD bank data
  • E. Description of Pakistan IDD bank data
  • The data for coding IDD for Pakistan will come from the International Bank Account Number (IBAN) provided to the beneficiary by his or her FI. The IBAN for Pakistan consists of up to 24 characters. The bank data for Pakistan reflected on the MBR consists of up to 27 characters including the country code of P for Pakistan.
  • E. Policy for coding Pakistani IDD 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 Pakistan, 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 ITS.gov to enter the full IBAN, bank name and address. Do not code the RTN in ITS.gov, as ITS.gov will propagate this information. If the complete bank account information is not in ITS.govITS.gov when the payment processes, the payment rejects and returns to SSA. When using ITS.gov, bank data posts to the MBR within four business days.
  • F. Procedure for coding Pakistan bank data
  • 1. Initial award processing
  • The FRBKC relies on us to provide 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.
  • Secure the full IBAN, bank name, and bank address from the beneficiary at the time of filing. If you are working on an initial award, you must update ITS.gov 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 ITS.gov when the payment processes, the payment rejects and returns to SSA.
  • You may establish or change IDD bank data for Pakistan, using an SSA system (e.g., Modernized Claims System (MCS), or Manual Adjustment Credit and Award Data Entry (MACADE)).
  • NOTE: If there is dire need or hardship involved, tell 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 the initial claim.
  • You must then go to ITS.gov to enter the following data:
  • * account type;
  • * account ownership;
  • * bank name;
  • * bank address;
  • * beneficiary address;
  • * computerized or smart national identity card (ex. “CNIC 1234567890123” or “SNIC 1234567890123”);
  • * country;
  • * enrollment status;
  • * first and last name of the beneficiary;
  • * IBAN;
  • * payee indicator;
  • * phone number; and
  • * Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).
  • If the beneficiary does not have a CNIC or SNIC, then enter his or her passport number in the “Beneficiary ID” field (Use the prefix of “Passport #). If the beneficiary is a minor child, use the B-Form or Child Registration Certificate (CRC). If the B-form or CRC is unavailable, request the CNIC or SNIC of the parent or guardian.
  • 1. Obtain SWIFT-BIC code 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 participants 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 ITS.gov using the bank account information prior to processing the initial award to ensure 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 an SSA system
  • When you add or update IDD bank data using an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:
  • * update ITS.gov on the same day;
  • * enter all POS direct deposit changes according to normal procedures;
  • * use the procedures outlined in the following chart when processing within four business days of the current operational month (COM) cutoff date.
  • 2. Adding or updating bank data using SSA systems
  • You must enter the full IBAN into ITS.gov 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 Pakistan within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:
  • 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 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 PKR account in Pakistan? If no, STOP.
  • REASON: Beneficiaries in Pakistan can only receive IDD payments in PKR accounts.
  • If yes, go to step 4
  • 4
  • The RTN is 710000031 for all IDD to Pakistan. SSA and FRBKC have designated 71 as the multi-country prefix for Pakistan IDD. The 1 in the RTN represents the U.S. check digit code for all IDD accounts in Pakistan. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.
  • The RTN is 710000031 for all IDD to Pakistan. It contains the:
  • * Multi-country prefix of “71” for Pakistan IDD.
  • * U.S. check digit code of “1” at the end of the RTN for all Pakistan IDD.
  • 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.
  • Code the account type:
  • * “S” savings, or
  • * “C” checking.
  • If no indicated account type, use a “C” for checking account.
  • 6
  • Code the Depositor Account Number (DAN) for Pakistan as follows:
  • * Start with a country code of P designated for Pakistan
  • * Code the Customer Account Number (up to 16 digits).
  • Code the depositor account number (DAN) for Pakistan as follows:
  • * “P” for Pakistan
  • * 16-digit account number.
  • 7
  • You must enter the full IBAN, bank name and bank address intoITS.gov on the same business day. Do not code the RTN into ITS.govITS.gov, as ITS.gov will propagate this information.
  • If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov 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 Pakistani direct deposit
  • The customer provides us with the IBAN PK36SCBL0000001123456702
  • NOTE: The first two characters of a Pakistani IBAN are “PK,” 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 16 characters represent the 16-digit account number.
  • * Derive the RTN as follows
  • * Code the RTN of 710000031
  • * 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.
  • * Derive the DAN as follows
  • * Start with a country code of P designated for Pakistan;
  • * Code the 16-digit Account Number “0000001123456702”
  • The technician obtains the following:
  • IBAN PK36SCBL0000001123456702
  • The coder will obtain the following:
  • RTN: 710000031
  • Checking
  • DAN: P0000001123456702
  • The coding in an SSA System reflects:
  • You must take action on the same business day to enter into ITS.gov all the information as listed in GN 02402.375F.
  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000031
  • You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.
  • ACCOUNT TYPE (C/S): C
  • REMINDER: When information is not available, FRBKC rejects the payment and returns it to SSA.
  • DEPOSITOR ACCOUNT NUMBER: P0000001123456702
  • G. Example of coding Pakistan direct deposit
  • CANCEL DIRECT DEPOSIT (Y):
  • DIRECT EXPRESS (Y):
  • The MBR reflects the following information:
  • RTN-710000031 DAN- CP0000001123456702
  • G. Exhibit of form SSA-1199 IDD Enrollment Form for Pakistan
  • To view this form go to SSA-1199-OP46
  • The customer provides us with the IBAN PK36SCBL0000001123456702
  • * The first two characters of a Pakistan IBAN are “PK,” 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 next four characters of the IBAN represent the 4-digit bank code.
  • * The last 16 characters represent the 16-digit account number.
  • NOTE: The technicians should never code the IBAN ISO country code, the check digit, or the bank code to the MBR.
  • 1. Derive the RTN
  • The technician must enter the following information for the RTN.
  • * Code the RTN of 710000031
  • * 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 must code the DAN.
  • * Start with a country code of P designated for Pakistan;
  • * Code the 16-digit Account Number “0000001123456702”
  • 3. Technician must obtain the following:
  • * IBAN PK36SCBL0000001123456702
  • * Checking
  • * RTN: 710000031
  • a. POS coding reflects this information :
  • * DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000031
  • * ACCOUNT TYPE (C/S): C
  • * DEPOSITOR ACCOUNT NUMBER: P0000001123456702
  • * CANCEL DIRECT DEPOSIT (Y):
  • * DIRECT EXPRESS (Y):
  • b. The MBR reflects the following information:
  • * RTN-710000031
  • * DAN- CP0000001123456702
  • 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)
The materials available at this web site are provided free of charge, for informational purposes only, and without warrant by True Link Financial, Inc., and are not legal advice or Social Security benefits advice. You should contact your attorney to obtain advice with respect to any particular issue or problem, or the Social Security Administration with any general inquiries. Click here to view this section of the POMS on the Social Security Administration website.