Pensions services in Nigeria
Retirement Savings Account and pension contribution services.
Start with a focused guide collection
Pensions guides
Open a pension RSA
What an RSA is, how to choose a Pension Fund Administrator and the information needed to start pension contributions.
Transfer pension PFA
PenCom's RSA transfer rule and the practical steps to move a retirement account without changing the account's ownership.
Unremitted pension
How to gather evidence, check your PFA records and escalate missing employer pension remittances to PenCom.
25% pension withdrawal
The PenCom rule for eligible RSA holders under 50 who remain unemployed after leaving a job and want to access up to 25% of their Retirement Savings Account balance.
Micro Pension registration
How self-employed and informal-sector workers join the PenCom-regulated Micro Pension Plan through a licensed Pension Fund Administrator and flexible contributions.
PenCom PCC
The current Employer Hub route for Nigerian employers applying for a Pension Clearance Certificate, including employee schedules, remittance evidence and group-life cover.
Pensions questions people commonly ask
Direct answers checked against official agency guidance, with links to the exact MyNigeriaGuide process when you need the full steps.
Do I lose my Retirement Savings Account when I change jobs?
No. PenCom states that the RSA remains the worker's account when employment changes. Give the existing RSA details to the new employer so future contributions continue to the correct account.
Relevant guides: Open a pension RSA
Can I move my pension from one PFA to another?
Yes. PenCom says an RSA holder can transfer from one Pension Fund Administrator to another once in a year without giving a reason, using the regulated RSA transfer process.
Relevant guides: Transfer pension PFA
What should I do if pension is deducted from my salary but not credited to my RSA?
Check the PFA statement first and identify the missing months. Then reconcile with the employer/PFA and, if the employer has not remitted the contribution, complain to PenCom with the RSA PIN, PFA, employer identity and affected periods.
Relevant guides: Unremitted pension
Do I need to open a new RSA when I move to another employer?
No. An RSA is portable between jobs. Keep the same RSA unless you are using the regulated PFA-transfer process; creating another account is not the normal way to handle a job change.
Relevant guides: Open a pension RSA · Transfer pension PFA