To Ease Discomfort, PenCom Unveils Online Data Recapture Application for RSA Holders

James Emejo in Abuja

The National Pension Commission (PenCom) has launched a self-service online data recapture application to ease pressure on Retirement Savings Account (RSA) holders who are hitherto required to present themselves physically for recapture.

The new platform, Data Recapture Self-Service Platform (PENCAP) which was unveiled in collaboration with Pension Fund Administrators (PFAs) became effective on February 1, 2026, PenCom noted in a statement.

The initiative marks another key step by the commission to enhance data integrity, improve service delivery, and modernise pension administration through responsible digitalisation.

The deployment of aligns with PenCom’s broader commitment to innovation, transparency, and operational efficiency within the country’s pension industry.

By embracing technology-driven solutions, the commission continues to enhance public confidence in the Contributory Pension Scheme (CPS) and ensure seamless access to retirement benefits.

Before now, RSA holders were required to physically visit their PFAs in order to recapture. This approach has not achieved the needed outcome, with many eligible RSA holders yet to be recaptured for over six years.

However, RSA holders who prefer physical recapture may still visit their PFA branches, as the self-service platform is designed to complement existing service channels, PenCom further noted.

Essentially, the platform enables RSA holders to remotely update their personal records (recapture) without necessarily visiting their PFAs.

The solution targets RSA holders who joined the Contributory Pension Scheme (CPS) on or before July 1, 2019 and have not undergone the data recapture process.

According to PenCom, “Accurate and up-to-date data remains fundamental to the efficient administration of retirement savings under the CPS. Over time, data inconsistencies arising from legacy records and incomplete documentation have posed challenges during verification and benefit processing.

“PENCAP provides a proactive solution by offering contributors a secure and convenient channel to recapture their data. By improving the quality and reliability of contributor records across PFAs, the platform will support faster benefit processing, smoother verification exercises, and an overall improvement in service experience for RSA holders.

The recapture process remains fully online and requires a phone, a computer, or other devices with a camera and internet access to enable live image capture.

The statement explained that “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.