The National Pension Commission (PenCom) said it will, from February 1, 2026, roll out a self-service online platform that allows Retirement Savings Account (RSA) holders to update their personal records without visiting their Pension Fund Administrators (PFAs).
A statement issued by the Commission on Friday, said the platform, known as the Data Recapture Self-Service Platform (PENCAP), is aimed at clearing long-standing data gaps in the pension system and speeding up access to retirement benefits.
PenCom said the initiative targets RSA holders who joined the Contributory Pension Scheme (CPS) on or before July 1, 2019 and are yet to complete the mandatory data recapture exercise.
The move marks a major shift in pension administration, as contributors can now recapture their data remotely using a phone or computer with internet access, eliminating the need for physical visits to PFA offices.
According to PenCom, inaccurate and incomplete legacy records have continued to delay verification and benefit processing for many contributors. The new platform is designed to improve data integrity, enhance service delivery, and modernise the pension system through responsible digitalisation.
“The Data Recapture Exercise (DRE) commenced in August 2019 for both active contributors and retirees. The DRE complies with the Federal Government’s directive that all data-generating organisations should harmonise their databases with the National Identity Management Commission (NIMC). It is also consistent with the need for a credible database of all RSA holders in Nigeria with the National IdentificationNumber (NIN) as the unique identifier. In that regard, PenCom designed, developed and deployed an Enhanced Contributor Registration System (ECRS), which has been integrated with the NIMC database to authenticate the uniqueness of individuals seeking to register under the CPS and existing RSA holders who have not recaptured.
“Before now, RSA holders were required to physically visit their PFAs in order to recapture. This has not achieved the needed outcome with many eligible RSA holders yet to be recaptured for over six years.
“The recapture process is fully online and requires a phone, a computer or other devices with a camera and internet access to enable live image capture. RSA holders will access the portal at https://pensionrecap.pencom.gov.ng/ and create a secure user profile using a personal email address.
“Contributors will then complete the online Data Recapture Form and, where applicable, upload supporting documents to validate requested updates.The process also involves biometric verification through live facial capture and the provision of a digital signature to confirm authenticity.
“Following submission, the contributor’s PFA reviews the application and takes appropriate action within the defined processing period. Throughout this stage, RSA holders receive email notifications acknowledging receipt of their request and providing updates on approval or rejection, including reasons where applicable. This ensures transparency, accountability, and continuous communication.
“The rollout of PENCAP, aims to speed up the Data recapture process which has been ongoing since the launch of the ECRS but without significant progress. By providing the self-service option, it is expected that more RSA holders will be encouraged to participate due to its convenience,” it stated.
