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The short answer
Your RSA statement comes from your Pension Fund Administrator (PFA), not from PenCom or your employer. Most PFAs let you get it through their app or web portal using your PIN, by email request to customer service, or at a branch, and your data must be recaptured with your NIN before some services work. If the statement shows missing months, you can raise it with your employer, your PFA and then PenCom.
Who holds your statement
Under the Contributory Pension Scheme each worker has one Retirement Savings Account (RSA) with a licensed Pension Fund Administrator. The PFA keeps the record of every contribution your employer remits and every investment return credited, so the PFA is the only body that can produce an RSA statement. PenCom supervises PFAs but does not issue individual statements, and your employer can show you what it remitted but not what reached your account.
If you are not sure which PFA you are with, check an old payslip, your employment letter pack or your RSA welcome letter. Our guide to retrieving your PEN covers what to do if you have lost the PIN.
The usual routes
PFAs differ in the channels they offer, and each one's website lists its own. The common routes are these:
| Route | What you usually need | Good for |
|---|---|---|
| PFA mobile app or web portal | PIN, registered phone or email, a password you create | Checking balance and downloading a statement yourself |
| Email to customer service | Email from your registered address, PIN, full name | A dated statement for a visa, loan or mortgage file |
| Branch or walk-in office | PIN and a valid ID | When your phone or email on file is out of date |
| Periodic statements | Up-to-date email and phone on your record | Routine monitoring |
The registration details for an app are set by each PFA. If the portal says your details do not match, that usually means the phone number or email on the PFA's file is not the one you are typing.
Data recapture comes first
PenCom's 2023 FAQ says RSA holders registered before 1 July 2019 must complete data recapture, which is free and links the RSA to your NIN. Until it is done, the FAQ warns, you may be unable to access benefits, to update your record or to transfer to another PFA. If an app login or statement request keeps failing, ask your PFA whether your recapture is complete. See RSA data recapture.
Steps to request a statement
- Find your PIN (it starts with "PEN") and your PFA's name.
- Try the PFA's app or portal first and choose the statement period you need.
- If you need a stamped or dated copy for a third party, email customer service from the address on your record and state the period and purpose.
- If your contact details are outdated, visit a branch with a valid ID to update them; PenCom's FAQ says recapture cannot be done by proxy.
- Save the statement as a PDF and note the date you received it.
How to read it
A statement usually shows, month by month, the employer and employee contributions received, any voluntary contributions, the fund your money is in, the units held and the unit price, and the closing balance. Three checks matter most.
- Gaps: compare the months listed with your payslips. A month on your payslip that is not on the statement means the deduction did not arrive.
- Amounts: the combined figure should equal at least 18% of your monthly emoluments (10% employer, 8% you), the minimum under the PRA 2014 as summarised by PwC.
- Timing: PenCom's FAQ says employers must remit within seven working days of paying salary. A consistent lag of several months is a warning sign.
Worked example
Example only. Your payslip shows ₦20,000 pension deducted each month from January to June and your monthly emoluments are ₦250,000. Your statement should show ₦45,000 a month arriving (₦25,000 employer plus ₦20,000 you), or ₦270,000 over six months. If it shows only four months, ₦90,000 is missing and you have a specific complaint to make.
If contributions are missing
- Ask HR or payroll for the remittance schedule for the missing months.
- Send it to your PFA and ask them to trace the payment.
- If the employer did not remit, PenCom's 2023 FAQ says you can complain directly to PenCom and your identity is kept confidential.
Our step-by-step guide to complaining to PenCom about a PFA or employer covers the next stage, and checking remittance history shows how to build the evidence.
Keeping a record that lasts
Pension disputes are often settled years later, when an employer has closed or payroll staff have moved on. A little filing now saves a great deal of chasing then.
- Download a statement at least once a year and keep it with that year's payslips.
- Keep copies of your employment letters for every job; they show which employer owed contributions for which months.
- When you change jobs, give the new employer your existing PIN so contributions go to the same RSA rather than a new one.
- Check the fund your money sits in each time; the statement should name it, and moving to a different RSA fund explains what that choice means.
- Note any change of PFA; after a transfer, the old PFA's statements and the new one's should join without a gap.
Where Pryme fits
If you are saving beside your pension, Pryme's Naira Savings Boxes keep that money separate from spending, and a verifiable statement from VerifyDoc.ai can sit next to your RSA statement in a loan or visa file.
Questions people ask
How can I check my RSA statement online?
Use your PFA's app or web portal with your PIN and the phone number or email on your record. If login fails, your contact details or data recapture may need updating.
Can PenCom send me my RSA statement?
No. PenCom supervises PFAs; the statement comes from your PFA.
Why can't I get my pension statement?
Often your phone or email on file is outdated, or your data recapture is incomplete. PenCom's FAQ says recapture is free but must be done in person.
What if my statement does not show my deductions?
Get the remittance schedule from your employer, ask your PFA to trace it, and if the employer has not remitted, complain to PenCom.
Sources
- PenCom, Frequently Asked Questions (2023 edition) · accessed Oct 2026
- PwC Nigeria, Tax Bites: Pension Reform Act 2014 (July 2014) · accessed Oct 2026
- National Pension Commission (PenCom) website: operators by category and complaints · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.