Voluntary Contribution

Our voluntary contribution product is designed to improve your savings culture and make your retirement delightful. Voluntary contributions are flexible as no restriction of amount and period of contribution are imposed. We are flexible in the operations of the account by allowing you to decide when to make withdrawal and the amount to withdraw in line with the Pension Reform Act. With voluntary contribution, you take control while we provide professional service.

Paying into a Voluntary Contribution Account

An employee who wishes to make voluntary contributions does not need to open a separate account. All voluntary contributions would be credited to the employee’s RSA.

The following are the steps to make voluntary contributions:

  • Decide a convenient amount and frequency (monthly, quarterly etc.) for your contribution
  • Notify your employer to deduct such amount from your salary and remit with your statutory contribution
  • Your employer will state in the remittance schedule against the appropriate heading; voluntary contribution.
  • On receipt of the payment and the schedule, your account will be credited with both the statutory and the voluntary contribution
  • Voluntary contributions are tax exempted and can be withdrawn anytime. However any withdrawal before five (5) years will be taxable.

T-Alert – Transaction Alert

This is an automated online real-time alert system that gives you information about contributions and remittances we received on your behalf.

Mobile App

You can view/monitor your account on your mobile device using our mobile application. Get the app.

Account Balances Via SMS

To get your current account balance via SMS messages, kindly text Bal PIN to 08097882690 using your registered phone number. E.g Bal PEN100400000000

Call Center

To resolve any issues regarding your account, please feel free to call our toll-free line (IONEPENSION) to speak with any of our call center representatives.


Please be warned that it is against our professional standard and work ethics to demand for or receive any form of gratification for any form of service rendered by any of our Staff, Agent or Organization.