Any US Social security recipients out there doing direct deposits?

[Thailandbuckeye]

1 minute ago, Pib said:

 

Since you said your original DD form showed a "SWIFT" code that means you were signed up for DD via the International Direct Deposit (IDD) program which uses the SWIFT system (uses SWIFT codes to identify the bank); you were not signed up for the standard DD program that uses the Automated Clearing House (ACH) system which uses "routing numbers" to identify the bank.   Direct deposit via IDD and ACH are two completely separate funds transfer systems....two different animals....it like riding in a taxi vs a bus...riding a train vs a plane....two different funds transfer systems.

 

The SWIFT code for Bangkok Bank is:  BKKBTHBK "or" BKKBTHJBKXXX.   Either one works fine....the XXX is just an extended version of the basic code...either one works fine. Most people probably just use the basic code without the XXX added on.  

 

The ACH Routing Number for Bangkok Bank is: 026008681

 

 

 

Thanks, I agree but SSA in the U.S. does not. My deposits come in like clock work so Swift codes/routing numbers must be correct. My problem is as stated above that I can’t get by the security question. SSA shows a different routing number than Bangkok Bank and giving them the Swift code doesn’t help. 
 

I tend to think at this point the routing number they have in their system is a Citibank routing number and since Citibank has numerous routing numbers I am unsure which to try next.

 

 

[Thailandbuckeye]

Sorry forgot to mention that my bank book codes the deposits as BAHTNET.

[soisanuk]

The BAHTNET system is for funds sent through the Bank of Thailand's Bahtnet system.  Per Wise, their Swift code is  BOTHTHBPTS1  (https://wise.com/us/swift-codes/BOTHTHBPTS1)

[Pib]

17 minutes ago, soisanuk said:

The BAHTNET system is for funds sent through the Bank of Thailand's Bahtnet system.  Per Wise, their Swift code is  BOTHTHBPTS1  (https://wise.com/us/swift-codes/BOTHTHBPTS1)

For IDD the BAHTNET system is only used as the last leg of the SWIFT transfer to the Thai receiving bank which for Thailandbuckeye is Bangkok Bank whose SWIFT code is   BKKBTHBK.    Plus the Wise SWIFT code above is for sending money to Bank of Thailand in those cases where someone would need to send funds to the Bank of Thailand (probably for companies and other central banks).    Now "if" Thailandbuckeye is using the IDD system which means Citibank is handling the transfer as the US Treasury contractor bank for US govt payment to Thailand banks, then Citibank might be using the Bank of Thailand SWIFT as a "correspondent/intermediary bank" address on the way to its final destination at Bangkok. 

 

But that really neither here or there in Thailandbuckeye case and the issue he's having.   Assuming Thailandbuckeye is currently on the IDD system then he will probably "not" be able to change from the IDD system that uses the International SWIFT system to the U.S. ACH system that uses routing numbers because the SSA "interactive computerized" system is geared for making direct deposit changes between U.S. banks...that is, changing from one routing number to another.  Right now Thailandbuckeye if on the IDD system has a SWIFT code loaded as his bank identifier and does not have a U.S. bank routing number, therefore he could never pass the security question since the system is looking for a routing "number" (as is 0-9) vs a SWIFT code consisting of "letters."

 

 

 

 

[Pib]

3 hours ago, Thailandbuckeye said:

Sorry forgot to mention that my bank book codes the deposits as BAHTNET.

OK, that confirms your direct deposit is on the International Direct Deposit (IDD) funds transfer  system that uses the SWIFT system and therefore using SWIFT codes to identify the bank....codes consisting of "letters" and maybe occasionally a number or two mixed it..   The U.S. Automated Clearing House (ACH) uses routing "numbers"...a nine digit number.

 

So, assuming you are using the SSA Automated Phone System to try to change your DD bank....the automated system  expects your current US bank "routing number" that you are currently using for your DD (what loaded in your profile right now)....you will never get past that because you are "not" currently using an routing number...you are using a SWIFT code plus you are on the IDD system vs ACH system.

 

The SSA Automated Phone System is geared for changing from one U.S. bank to another US on the ACH system....it's routing number based.  You are currently on the IDD system trying to change over to the ACH system....trying to mix apples and oranges.  Seriously doubt the Automated System can accomplish the switch between IDD and ACH (or vice versa); instead you'll will have to talk to a "human" SSA representative who still may ask you to send in the ACH DD form since you are switching from IDD to ACH.  Probably best to just do that thru the Manila SSA....they can enroll you in the ACH or IDD system.

 

 

https://ph.usembassy.gov/services/social-security/faq/

Edited April 5 by Pib

[Thailandbuckeye]

I actually called SSA 3 times last night….all to a rep not an automated system. I agree that I need to go through Manila.

Thanks for the help.

 

I may get stuck with Bangkok Bank.

Edited April 5 by Thailandbuckeye

[Pib]

Just use Manila SSA to change your DD info....use the Manila SSA website inquiry form.  They have a specific inquiry heading/topic just for that purpose.

[Thailandbuckeye]

Just a follow up to changing my DD from Bangkok Bank to a U.S. Credit Assn. 

 

I submitted the change to Manila, two weeks later they responded that my bank info has been changed. A day or so later MySSA showed the new bank account as requested (shows only last few digits but enough to verify).

 

So bottom line is to change back to the US it’s best to go through Manila.

[Charlie D.]

My SS direct deposit should have arrived in Thailand 3 days ago and today is Sept. 6, 2024. This is a first for me so I do not know how many days it takes the Thai bank to clear a Direct Deposit and the money deposited into my account. Does anyone know how many days before I see the money in my account? Thanks for the reply back to me.

CD

[Pib]

9 minutes ago, Charlie D. said:

My SS direct deposit should have arrived in Thailand 3 days ago and today is Sept. 6, 2024. This is a first for me so I do not know how many days it takes the Thai bank to clear a Direct Deposit and the money deposited into my account. Does anyone know how many days before I see the money in my account? Thanks for the reply back to me.

CD

 

If your direct deposit was via "IDD" (i.e., uses the SWIFT system) it "typically posts on the 3rd of the month"....but sometimes it might be on the 1st to the 4th. And the SSA says it could be up to 3 days later depending on the policies of the receiving bank.   Like this month's IDD posting date occurred the morning of 4 Sep as my wife has been getting  her SS direct deposit via IDD for years now.    And a poster I sometimes message with also got his IDD direct deposit for September on 4 Sep.   But typically, it's the 3rd plus or minus a day or two if using IDD. 

 

Now if  your direct deposit was via "ACH" and depending on if you have your Thailand address or a U.S. address on-file with the SSA then the payment/payment date could be o/a the 3rd of the month (plus or minus a few days just like for IDD) if you have a Thailand address "or" later in the month depending on your date of birth during the month if you have a U.S. address.

 

 

[Pib]

@Charlie D.

    Which DD deposit method are you using?   ACH or IDD?      And have you been receiving SS payments for a while to another bank OR is this you first SSA pension payment.  If your first payment are you sure the payment was suppose to be made for this month?

 

 If IDD, the payment can go to "any" Thai bank and does "not" have to be a restricted account.   

 

But if using ACH the payment can only go to Bangkok Bank with a "special restricted" account specifically for U.S. govt reoccurring payments like SSA [pension.  Bangkok Bank is the only Thai bank with ACH receiving capability. 

 

If you are using ACH and trying to send it to a "unrestricted" Bangkok Bank acct then Bangkok Bank at some point will block the payment since it's not going into a restricted acct.  Sometimes Bangkok Bank will catch this attempt right off the bat and in some cases it could be months or years before they catch it.   I sure know over a decade ago when I attempted to have one of my govt pensions sent to  my "unrestricted/regular" Bangkok Bank saving acct via ACH my Bangkok Bank branch caught it on the 2nd payment and I got a letter from them they had the payment on-hold and I needed to come in and open a "restricted" acct to receive reoccurring U.S. govt payment via ACH.   

 

 

[Charlie D.]

My SS direct deposit should have arrived in Thailand 3 days ago and today is Sept. 6, 2024. This is a first for me so I do not know how many days it takes the Thai bank  

 

Pib, I will give you a reply with detail when I return home from the city of KamphangPhet.

[Charlie D.]

Pib, went to the bank to ask about the DD and had them to update my bank book, Yep the money was in my account on the 4th and was sent by SSA on the 3rd. I have a notice on my phone when there is any money taken out or on deposit and I did not have the money from SSA listed on my phone. This has never happened to me for 15 years using this notification from the bank. 

Good news from the Bank and good news from CAT working out my issues with the HP.

Sleep Good tonight.

Thanks for your replies back to me. I know who to come to if and when issues come up.

Charlie KP Provence.