Your retirement. Your plan. Entirely yours.

BettaLyfe brings Nigeria's Personal Pension Plan to your phone — open an RSA, make contributions, track your balance, and manage everything in one secure place.

Financial Inclusion

Whatever work you do, your retirement starts now

Nigeria's informal economy is its backbone — market women who rise before dawn, artisans who build with their hands, drivers who keep the city moving, business owners who take risks every day. Yet for too long, retirement savings have been a privilege of the formally employed. BettaLyfe changes that.

The Personal Pension Plan is open to every Nigerian regardless of employment type. No employer needed. No formal job required. Open a PENCOM-regulated Retirement Savings Account (RSA), contribute on your own schedule, and build the financial resilience that protects you and your family — starting today.

  • ✓ Market women & traders
  • ✓ Drivers & transport workers
  • ✓ Business owners & entrepreneurs
  • ✓ Artisans, tailors & craftspeople
Nigerian market woman Market Trader
Nigerian business owner Business Owner
Nigerian driver Driver
Nigerian artisan Artisan
Open your RSA and start building your future with BettaLyfe.
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Personal Pension Plan — BettaLyfe
Resilience & Security

What is your retirement plan?

Nigeria's pension assets have crossed ₦15 trillion — yet millions of hardworking Nigerians have no share in that pool. Not because they cannot save, but because the system was not built with them in mind. The Personal Pension Plan is the correction. It is PENCOM-regulated, portable across jobs and life changes, and yours completely.

Financial resilience means more than surviving today — it means having a safety net when income slows, and a retirement fund when the time comes to step back. With BettaLyfe, you set automatic contributions, make one-time top-ups, choose between Fund 5A and Fund 5B, and track your retirement and contingent balances in real time — all from your phone, all on your terms.


Why choose BettaLyfe PPP?

Everything you need to manage your pension in one place

PENCOM Regulated

PENCOM Regulated

Your RSA is held by a PENCOM-licensed Pension Fund Administrator. BettaLyfe facilitates the process — your money stays in your regulated pension account at all times.

Open to Everyone

Open to Everyone

Self-employed, trader, salary earner, business owner, or freelancer — the Personal Pension Plan covers every Nigerian regardless of employment type.

Flexible Contributions

Flexible Contributions

Set a recurring auto-contribution on your schedule — monthly or quarterly. Add a one-time voluntary top-up whenever you want. Pause or edit your plan at any time.

Fund Choice

Fund Choice

Choose between Fund 5A and Fund 5B based on your risk profile and retirement horizon. BettaLyfe provides in-app education so you can make an informed decision and switch when your circumstances change.

Bank-Grade Security

Bank-Grade Security

Every request — from KYC submission to contribution processing — is protected by end-to-end encryption. Your financial data is never exposed.

Full Dashboard Access

Full Dashboard Access

Track your total balance, retirement and contingent balances, PFA details, RSA PIN, contribution history, quarterly statements, and fund returns — all in the BettaLyfe Pension Hub.

Frequently Asked Questions

A Personal Pension Plan (PPP) is a PENCOM-regulated retirement savings product under the Contributory Pension Scheme (CPS). It allows every Nigerian — regardless of employment type — to open a Retirement Savings Account (RSA) with a licensed Pension Fund Administrator (PFA), make regular contributions, and grow a retirement fund that belongs entirely to them.
The Personal Pension Plan is open to all Nigerians who earn income — including self-employed individuals, freelancers, traders, artisans, salary earners, business owners, and even parents saving on behalf of a child. You do not need a formal employer to participate.
Yes. Your contributions go directly into your RSA held by a PENCOM-licensed Pension Fund Administrator — not held by BettaLyfe. Every transaction is protected by bank-grade encryption, and your RSA records at your PFA remain the definitive source of truth at all times.
Your Retirement balance is the core portion of your RSA that matures at retirement age. Your Contingent balance is a separate portion that may be accessible earlier under specific PENCOM-approved conditions — such as temporary job loss for more than four months. BettaLyfe shows your current contingent balance and the applicable rules so you always know where you stand.
Yes. If you already have an RSA with a PFA, you can link it to BettaLyfe in under two minutes using your RSA PIN, registered phone number, and date of birth. Once linked, your full pension dashboard — balance, contribution history, statements, and fund details — is available directly in the app.
Yes. PENCOM allows RSA holders to transfer to a different PFA through an official transfer window. BettaLyfe guides you through the transfer assistance request process directly from the app — no branch visits required.

Your retirement starts today

Every day without a pension plan is a day of lost compounding. Open your RSA and start building your future. BettaLyfe operates within the PENCOM regulatory framework. Pension contributions are processed and held by PENCOM-licensed Pension Fund Administrators.