My Own Pension is a Tier 3 mobile pension and savings scheme designed for individuals in the informal sector or anyone who wants to set aside personal pension contributions for retirement.
It is flexible, affordable, and managed entirely through MTN Mobile Money.
✅ Who Can Join?
- Anyone 15 years and above
- Ideal for traders, artisans, freelancers, entrepreneurs, and individuals planning for retirement
- Open to all MTN Mobile Money subscribers
📲 How to Register for My Own Pension
Register in just a few steps:
- Dial *170#
- Select 9 – Pensions and Insurance
- Follow the prompts
- Create your 4-digit PIN to complete registration
Once registered, you can start contributing at your own pace.
💰 Contribution Options
You can contribute as little as:
- GHS 1 per day
- GHS 5 per week
- GHS 20 per month
You may contribute more at any time, depending on your income and financial goals.
🏦 Withdrawal Rules
My Own Pension has two types of accounts:
✅ Savings Account
- Withdrawals allowed after 1 year of continuous contributions.
✅ Pension Account
- Withdrawals allowed after 5 years only.
- Funds here are meant strictly for long-term retirement planning.
❌ How to Cancel / Deactivate My Own Pension
You can now cancel the service yourself by following these steps:
- Dial *170#
- Select 9 – Pensions and Insurance
- Choose 1 – My Own Pension
- Select 5 – More
- Choose 9 – Cancel Mandate
- Select 2 – Confirm Cancellation
You’ll receive an SMS once your cancellation is successful.
⭐ Why Choose My Own Pension?
- Easy registration through Mobile Money
- Flexible contributions to suit your income
- Safe and regulated Tier 3 pension scheme
- Helps you build long-term financial security
If you need help at any stage, MTN is always here to support you.