Can I Get Social Security Direct Deposited to a Foreign Bank Account?
The Social Security Administration offers International Direct Deposit (IDD) to bank accounts in over 30 countries, sending payments in the local currency at competitive exchange rates (SSA: International Direct Deposit). If your country is not on the IDD list, payments can be made to a U.S. bank account or by paper check.
Countries with IDD availability include:
| Region | Countries |
| Europe | Belgium, Finland, France, Germany, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, U.K. |
| Asia-Pacific | Australia, Hong Kong, Japan, New Zealand, Philippines |
| Americas | Argentina, Brazil, Canada, Dominican Republic |
| Other | Israel, South Africa |
How to enroll:
- New recipients abroad: complete SSA-1199 (International Direct Deposit enrollment) at your nearest U.S. Embassy or consulate
- Switching from U.S. bank: contact SSA at +1-410-965-9334 or visit an embassy
- Information needed: bank name, branch, account number, and local routing identifier (IBAN in Europe, BSB in Australia, sort code in the U.K.)
- Processing time: typically 30 to 60 days after enrollment
Key details:
- Currency conversion: SSA uses the prevailing exchange rate, not a commercial markup
- Payment date: same schedule as U.S. payments (second, third, or fourth Wednesday depending on birth date)
- Fees: SSA does not charge for IDD, though your foreign bank may charge an incoming wire fee
- Non-IDD countries: you must maintain a U.S. bank account or accept checks mailed to your foreign address
If your country is not on the IDD list, many expats use a U.S.-based online bank (such as Charles Schwab or Wise) to receive payments and then transfer locally.
For more on receiving benefits abroad, see U.S. Expat Taxes and Social Security.
Last updated on April 29, 2026
