How to Apply for a PENCOM Compliance Certificate Online in Nigeria (2025 Guide)

Are you a Nigerian company preparing to bid for a government contract? Or a company with minimum of 15 employees? Then you need to secure a PENCOM Compliance Certificate.

As of April 1, 2025, the National Pension Commission (PENCOM) now requires all applications for the Pension Compliance Certificate (PCC) to be submitted through its online portal. This move aims to improve efficiency, reduce delays, and eliminate manual errors.

In this article, we’ll walk you through the exact steps to apply for your PENCOM Compliance Certificate online plus the required documents, common mistakes to avoid, and how our legal team can support you through the process.

What Is a PENCOM Compliance Certificate?

The PENCOM Compliance Certificate is a document confirming that your company is compliant with the Pension Reform Act, 2014. It’s required for:

  • Bidding on federal or state contracts
  • Obtaining or renewing key licenses
  • Proving employee pension remittance compliance
  • It also serves as evidence of compliance with the Pension Reform Act.

Documents Required for PENCOM Certificate Application (2025)

  • CAC Certificate – Proof of registration (Certificate of incorporation, Memorandum and Article of Association and Status Report)
  • Employee Staff List – With RSA PINs and PFAs showing Names, RSA PINs, job titles, and salaries
  • Pension Contribution Schedule – Past 12 months showing Names, RSA PINs, gross salaries, monthly contributions
  • Valid Group Life Insurance Documents
    • Certificate of cover
    • Payment receipt
    • Schedule of employees (must match the staff list)
  • Pension Remittance Receipts – Made through a PENCOM-approved PSSP

Step-by-Step: How to Apply for a PENCOM Compliance Certificate Online

Step 1: Register on the PENCOM Portal

Go to https://pcc.pencom.gov.ng/login

  • Click “Register”
  • Fill in: Employer Code, RC number (auto-filled), Official company address, Contact and email information
  • Once submitted, you’ll be redirected to your company dashboard.

Step 2: Complete Your Company Profile

  • Upload your CAC Certificate
  • Review and confirm all company info
  • Click “Update Profile”

Step 3: Upload Staff List

  • Download the staff list template
  • Fill in: Full names (as registered with PFA), RSA PINs, Position, Date of employment, Monthly salary
  • Ensure this list matches the pension contribution schedule

Step 4: Upload Pension Contribution Schedule

  • Input for each employee: Salary, Contribution breakdown, Dates of remittance
  • Upload for each year separately (for renewals)
  • Avoid duplicate schedules—it will cause rejection.

Step 5: Upload Group Life Insurance Documents

  • Insurance provider
  • Certificate of coverage
  • Employee list (must match staff list)
  • Premium receipt
  • Policy period and sum assured

Step 6: Upload Pension Payment Evidence

  • Payment slips or receipts for all months
  • Penalty receipts if any
  • Specify: Amount, Period covered, Date of payment, Fund Custodian used

A MUST READ: Why PENCOM Compliance Certificate Applications Get Rejected in Nigeria And How to Fix Yours

Final Step: Review and Submit

  • Review all uploads for accuracy
  • Confirm staff lists, RSA PINs, and remittance data
  • Click “Submit”
  • After submission, no edits can be made until PENCOM reviews your file.

Why Accuracy Matters

The PENCOM portal does not allow corrections after submission. Any mismatch or omission can lead to automatic rejection.

  • Employee names vs PFA data
  • Amounts declared vs receipts
  • Staff list vs group life coverage

How Our Law Firm Can Help

We help Nigerian businesses:

  • Apply or re-apply for PENCOM Compliance Certificates
  • Liaise with PFAs, insurers, and PENCOM officers
  • Provide legal due diligence for your pension and insurance documentation
  • Prevent rejection by conducting a pre-application compliance review

SEE THIS: How to get SEC license for Digital Asset Companies in Nigeria (2025)

Frequently Asked Questions (FAQs)

How long does it take to get a PENCOM certificate?

It typically takes 2–3 weeks if all documents are accurate and complete.

Can I apply with fewer than 3 employees?

No. PENCOM only issues certificates to employers with at least 3 active employees.

What happens if I submit the wrong staff list?

Your application will be rejected. Always double-check that employee details match your PFAs’ records.

Can I use bank transfers for pension payments?

No. You must use PENCOM-approved Payment Solution Service Providers (PSSPs).

Can I apply for Pencom with business name?

Yes you can.

Whether you’re applying for the first time or fixing a rejected application, our legal compliance team is ready to assist.

Book a Consultation Today
Offices in Abuja & Lagos Serving businesses across Nigeria

akujobinoble@gmail.com
akujobinoble@gmail.com
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