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Online, physical or both?
Use the official online route
Check your PFA statement to identify the exact months for which contributions are missing. Then ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
No mandatory physical visit is stated in the sources we currently use
The current sources for Unremitted pension do not state a compulsory walk-in stage for the standard route.
Find official offices/centres →If this specific process gets stuck
Use PenCom's official support/contact route and quote the reference generated by this application.
View agency guidance →Only authorised routes. We never present an unofficial agent, cybercafé or third-party payment page as an alternative unless the responsible agency authorises it.
What you need to know before you continue
Important service-specific details that affect how you apply, what route to use, or what to avoid.
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.
Verify with PenCom Guidance Note for Employees ↗Documents, details and prerequisites you need
This is the complete pre-start checklist from the verified guide. Each item below explains what it is for, where it enters the process and whether the official source actually specifies an original, copy or upload.
RSA PIN and PFA name
- Why you need it
- Used to identify or trace the correct application, record or transaction.
- Where it is used
- Keep this ready before starting. The verified guide lists it as a prerequisite even though the official source does not tie it to one numbered step.
- Original, copy or upload?
- The official sources used for this guide do not specify original vs copy here. Follow the exact portal or office prompt instead of assuming.
Employer name and address
- Why you need it
- This item is explicitly listed in the verified pre-start requirements for this service. Have it ready before beginning so the application is not interrupted.
- Where it is used
- Most directly connected to step 2: Ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
- Original, copy or upload?
- The official sources used for this guide do not specify original vs copy here. Follow the exact portal or office prompt instead of assuming.
Employment/start-date details
- Why you need it
- This item is explicitly listed in the verified pre-start requirements for this service. Have it ready before beginning so the application is not interrupted.
- Where it is used
- Most directly connected to step 5: Keep the PenCom complaint reference and provide any additional employment or payroll evidence requested.
- Original, copy or upload?
- The official sources used for this guide do not specify original vs copy here. Follow the exact portal or office prompt instead of assuming.
PFA statements or alerts showing the missing contribution periods
- Why you need it
- This item is explicitly listed in the verified pre-start requirements for this service. Have it ready before beginning so the application is not interrupted.
- Where it is used
- Most directly connected to step 1: Check your PFA statement to identify the exact months for which contributions are missing.
- Original, copy or upload?
- The official sources used for this guide do not specify original vs copy here. Follow the exact portal or office prompt instead of assuming.
Payslips or other evidence of deductions where available
- Why you need it
- This item is explicitly listed in the verified pre-start requirements for this service. Have it ready before beginning so the application is not interrupted.
- Where it is used
- Most directly connected to step 2: Ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
- Original, copy or upload?
- The official sources used for this guide do not specify original vs copy here. Follow the exact portal or office prompt instead of assuming.
Step-by-step instructions
Follow the process in order. Each step also shows what to have ready, what to check before continuing and what evidence to keep. Where the agency does not publish an extra requirement, this guide does not invent one.
Check your PFA statement to identify the exact months for which contributions are missing.
- PFA statements or alerts showing the missing contribution periods
Make sure the displayed record is the correct person/entity and that the information matches the evidence you are using.
Keep any reference, confirmation, screenshot or acknowledgement generated by the official route.
Ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
- Employer name and address
- Payslips or other evidence of deductions where available
Confirm the service, applicant/entity details and amount on the official payment screen before paying. Do not continue from an unsolicited payment link.
Keep the official receipt, payment reference or transaction ID.
Contact your PFA so it can confirm whether any uncredited remittance is awaiting data reconciliation.
No additional document is specifically tied to this step in the verified guide. Use the full checklist above and follow the official prompt.
Make sure the displayed record is the correct person/entity and that the information matches the evidence you are using.
Keep any reference, confirmation, screenshot or acknowledgement generated by the official route.
If the employer has failed to remit, submit a complaint to PenCom with the RSA PIN, PFA, employer identity and affected periods.
- Employer name and address
- PFA statements or alerts showing the missing contribution periods
Review names, numbers, dates, contact details and selections before final submission because corrections may require a separate official process.
Keep the application/reference number, acknowledgement or confirmation generated after submission.
Keep the PenCom complaint reference and provide any additional employment or payroll evidence requested.
- Employment/start-date details
- Payslips or other evidence of deductions where available
Confirm the service, applicant/entity details and amount on the official payment screen before paying. Do not continue from an unsolicited payment link.
Keep the official receipt, payment reference or transaction ID.
What exactly happens next?
Keep the application/reference number, payment receipt, acknowledgement or downloadable record produced by this service.
Keep the PenCom complaint reference and provide any additional employment or payroll evidence requested.
Resolution varies with the employer's records, outstanding periods and recovery process.
Use PenCom's official support channel with the application/reference details.
Quick answers about Unremitted pension
Direct answers to the questions people commonly search for, using the same verified fee, requirements, route and timeline shown in this guide.
How much does Unremitted pension cost in 2026?
No complaint fee stated — Use your PFA and PenCom's official complaint channels.
What do I need for Unremitted pension?
The current verified checklist includes RSA PIN and PFA name, Employer name and address, and Employment/start-date details. Open the requirements section below for the complete list and any service-specific evidence.
Can I do Unremitted pension online?
Mostly online. Check your PFA statement to identify the exact months for which contributions are missing. Then ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available. The current sources for Unremitted pension do not state a compulsory walk-in stage for the standard route.
How long does Unremitted pension take?
Resolution varies with the employer's records, outstanding periods and recovery process.
Where do I start Unremitted pension?
Check your PFA statement to identify the exact months for which contributions are missing. Then ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
Important notes
- PenCom guidance tells employees with contribution problems to provide enough employer/RSA information for the account to be identified.
- A deduction shown on a payslip is not the same as a contribution credited to the RSA; verify the PFA statement.
- PenCom can pursue recovery from defaulting employers under the pension compliance process.
Common questions
These answers are generated from the verified requirements, route, fee, timeline and official-source notes for this specific service.
What should I prepare before I start?
Prepare before you begin by gathering every item below. The detailed checklist above explains why each one is needed, where it is used, and whether the official source specifies an original, copy or upload.
- RSA PIN and PFA name — Identity / account detail
- Employer name and address — Identity / account detail
- Employment/start-date details — Other requirement
- PFA statements or alerts showing the missing contribution periods — Document
- Payslips or other evidence of deductions where available — Document
Can I do this online, or do I need to visit an office?
Mostly online. Check your PFA statement to identify the exact months for which contributions are missing. Then ask the employer/payroll unit to confirm whether the contributions were remitted and obtain any payment schedule or explanation available.
The current sources for Unremitted pension do not state a compulsory walk-in stage for the standard route.
How much does this service cost?
No complaint fee stated — Use your PFA and PenCom's official complaint channels.
Pay only through the responsible agency or the official payment channel linked in this guide.
How long should it take?
Resolution varies with the employer's records, outstanding periods and recovery process.
Processing can still take longer where identity checks, document corrections, payment confirmation or manual review are required.
What happens after I submit or complete the main step?
Keep the evidence for Unremitted pension: Keep the application/reference number, payment receipt, acknowledgement or downloadable record produced by this service.
Complete the final published step: Keep the PenCom complaint reference and provide any additional employment or payroll evidence requested.
What should I do if the portal, payment or application gets stuck?
Use PenCom's official support/contact route and quote the reference generated by this application.
Keep any application number, receipt, acknowledgement, transaction reference or screenshot that can help the agency trace the request.
What should I be careful about?
- PenCom guidance tells employees with contribution problems to provide enough employer/RSA information for the account to be identified.
- A deduction shown on a payslip is not the same as a contribution credited to the RSA; verify the PFA statement.
How do I verify that these instructions are current?
This guide was last checked on 2026-10-01. The official government or agency sources used to verify it are listed directly below this section.
Where an agency changes a fee, deadline or procedure, the official source takes priority over this independent guide.
Is MyNigeriaGuide the government website for this service?
No. MyNigeriaGuide is an independent information service. Applications, payments, approvals and final decisions remain with the responsible government agency.
Official sources
These are the government or agency pages used to verify this guide. Open them directly whenever you want to confirm the source.
See something outdated?
Correction reporting is checked only when you choose to report an issue, keeping normal guide loads lighter.