Hello

Welcome to the RMDCP website. It’s run by the Trustees of the Plan, to help you make the most of being a member.

If you want to know how the Plan works, want some help choosing what’s best for you, or you have any questions, this site is your first port of call.

Royal Mail's new pension plan – the Royal Mail Collective Pension Plan – launched on 7 October 2024. The RMDCP was closed to new members, and was also closed to future contributions for most members, on 6 October 2024.

However, if you’ve been with Royal Mail for less than 1 year, you’ll carry on saving into the RMDCP until you’ve been with Royal Mail for 1 year (at which time you’ll join the Royal Mail Collective Pension Plan – see https://rmcollectiveplan.com). You’ll save 5% of Pensionable Pay and your employer will add 4% of Pensionable Pay, and you’ll get free life cover for as long as you carry on saving into the RMDCP. Once you stop contributing, even if you still work for Royal Mail Group, death benefits in the Plan will be limited to a return of the value of your pension pot which we call your Member Account (if you have one).

You can continue to make choices about your Member Account, such as where it is invested, but you don’t have to.

To find out how it works for you, just click below.