Steps To Take Prior To Retirement To Start Receiving Your Pal Pension Savings

  • Retirees are all expected to contact their PFA six (6) months to retirement.
  • Retirees are also expected to enroll for the bond registration with the National Pension Commission (PENCOM)(applicable to Federal government employees).
  • Retirees are to forward their Bond slips to PAL (applicable to Federal Government employees).
  • Upon receipt of the bond slip, PAL forwards the Retirees’ bond registration details to PENCOM (applicable to Federal Government employees).
  • The retiree shall also send the following documents to PAL for sighting at any of our regional offices.
    1. A notification of retirement issued by his/her employer
    2. Passport photographs (four)
    3. Proof of age i.e. Birth certificate or sworn declaration of age
    4. Pay slip (any of three months prior to month of retirement) or evidence of total annual remuneration.
  • Retiree will complete the Indemnity Form (applicable to Federal government employees).
  • Once all the above documents have been received and the Retirement Savings Account (RSA) is fully funded
  • The retiree determines the mode of payment, e.g. annuity, programmed withdrawal.
  • For programmed withdrawal, PAL will compute the lump sum and amount of monthly pension based on the payment template provided by PENCOM.
  • PAL informs client of lump sum and programmed withdrawal.
  • PAL forwards Standard Notice of Retirement with the above documents to PENCOM for approval.
  • Upon approval, UBA Pension Fund Custodian credits clients account.
  • PAL executes Programmed Withdrawal Agreement with the Retiree.

Pal Pension Website:

Pal Pension Customer Care:    01-2776900, 0700palpensions

Pal Pension Office Address In Nigeria

Pal Pension Divisional Office

Head Office
9th Floor UBA House, 57 Marina, Lagos
2nd Floor, Essay Plaza,Plot 22, Trans Amadi Road,Port Harcourt Rivers
Suite G07-G09, Ground Floor, Kano House,Ralph Sodeinde Street,Central Business District, Abuja FCT
1st Floor, 10 Hughes Avenue, Alagomeji Yaba, Lagos.

Eastern Offices

Umuahia Office
47 Aba road, opposite Felina Hotels Umuahia.
Aba Office
UBA PLC, Factory Road Branch, No. 5 Factory Road Aba, Abia State. Abia
Akwa-Ibom Office
UBA Plc, Abak Road branch, Plot 15 Block 1 Abak Road, Uyo
Awka Office
UBA Plc, Plot 1 UBA building, Bank Avenue, Nnamdi Azikiwe University, Awka
Bayelsa Office
C/O UBA PLC,Plot A 59 CENTRAL Business District,Swali Road Yenagoa Bayelsa
Cross-River Office
C/o UBA Plc Branch, Calabar
Asaba Office
8A+B TITICOM Plaza 5 Illah Road, Asaba
Warri Office
2 Waico Street, Behind Airtel Office Water Resources, Effurun-Warri, Delta State
Enugu Office
Bethel Plaza, No. 36 Garden Avenue, Opposite Diamond Bank, Enugu State
Nsukka Office
1st Floor UC Network House, Nsukka
Abakaliki Office
UBA Plc 4 Ogoja Road, Abakaliki
Owerri Office
c/o UBA, No 3 Assompta Avenue, Bank Road, Owerri

Western Office

Benin Office
UBA Plc 100 Textile Mill Road, Benin
Osogbo Office
33 Etisalat Building Gbongan Ibadan Road, Osogbo
Akure Office
33B Oyemekun Road, Akure
Ibadan Office
1st Floor Okin Likoye House 42 Kenneth Dike Way Bodija, Ibadan
Abeokuta Office
1st Floor Laderin House, 23 Quarry Road, Abeokuta
Kwara Office
c/o UBA Plc 137 Murtala Mohammed Way Akewushola Plaza, Challenge Ilorin

Northern Office

Bauchi Office
UBA Plc Murtala Mohammed Way, Bauchi
Benue Office
UBA Plc Opposite CBN Old G.R.A, Makurdi
Bornu Office
UBA Plc Monday Market Branch, Maiduguri
Gombe Office
UBA Plc New Market Road, Biu
Plateau Office
42 Tafawa Balewa Street, Jos
Kaduna Office
Suite 3, Ground Floor Investment House, 27 Ali Akilu Road, Kaduna.
Kano Office
Suite 14, First Floor, No 15, Bank Road, Kano
Adamawa Office
33 Atiku Abubakar Way, Jiboroji Plaza , Yola
Katsina Office
2nd Floor Investment & Development Company, 61 IBB Way, Katsina
Kogi Office
Suite 21 Zebham Plaza, 23 Lugard Road, Lokoja
Nasarawa Office
UBA Plc, Lafia 2, Jos Road, Nasarawa
Niger Office
Suite G01 Bahago Plaza, Paiko Road Tunga, Minna
Sokoto Office
UBA Plc Aliyu Jodi Road, Sokoto
Yobe Office
UBA Plc, Sir, Kashim Ibrahim Way, Damaturu
Zamfara Office
UBA Plc, 1 Government House Road Mongo, Gusau
Warri Office
2 Waico Street, Water Resources Effurun, Warri
Taraba Office
Ngoroje House, Hamman Ruwa Way, Jalingo



  1. Good morning,
    how can someone correct date of birth?


    1. Please visit the nearest Pal Pension Office for assistance.

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