In addition to the Withdrawal-Termination, workers can also opt for other options to withdraw money from active accounts of the FGTS🇧🇷 It is the case of Birthday Withdrawalwhich offers annual installments of the balance, or Withdrawal-Extraordinary, released from government decisions. Find out, below, how to redeem the two modalities through the app Length of Service Guarantee Fund🇧🇷
All options related to the guarantee fund are available in the FGTS application, which can be downloaded for free on your cell phone or tablet:
Through the app, you can both configure withdrawal methods and check your FGTS balance.
Next, find out how to activate the Anniversary Withdrawal from the Severance Indemnity Fund.
How to make the FGTS birthday withdrawal through the app
The contracting of the Withdrawal-Birthday is carried out through the application for cell phones. First, you need to register a bank account to receive transfers:
- Open the FGTS application on your cell phone;
- Access your account or, if it is the first access, register;
- Go to “My withdrawals” and scroll the page to the end;
- Tap “My bank account”;
- Press the button “Register bank account”;
- Register your account;
- Confirm your details and tap “Continue”.
Now you already have a bank account set up in your FGTS. Then, just configure the annual withdrawal:
- Go to “My Withdrawals” again;
- Tap on “Birthday Withdrawal Modality”;
- Click on the “Change Systematic FGTS Withdrawal” button and confirm the request.
When does the birthday withdrawal fall into the account?
After contracting, the money will be deposited annually into the bank account registered in the citizen’s birthday month as long as there is an available balance.
Let’s take my case as an example. After activating the modality through the FGTS app, I received payments for the annual installments exactly on my birthday.
How to simulate the value of the next birthday withdrawal?
According to Caixa Econômica Federal (CEF), part of the sum of the balances of active FGTS accounts linked to the worker’s registration will be deposited.
To simulate the value to be transferred, perform the following step by step:
- Go to the “My Withdrawals” tab;
- Tap on “Birthday Withdrawal Modality”;
- Click on the link “Simulate the value of the Anniversary Withdrawal”.
The balance forecast to be released will be displayed on the screen shortly afterwards.
How it works and how to withdraw the extraordinary or emergency FGTS
In addition to the Withdrawal-Birthday, workers with a formal contract can make the transfer through the FGTS to accounts at other financial institutions or at Caixa through the Extraordinary Withdrawal.
This modality transfers the money directly to a Caixa account of the same title or to Caixa Tem, if the citizen has an available balance in an active FGTS account.
In the second case, to access the money, just download the Caixa Tem app and create a registration in the application🇧🇷 You can then make a Pix to take the Emergency Withdrawal to another bank account or use it for Caixa’s own social savings.
But this withdrawal alternative is not recurring. This is because the modality is only released on special occasions decreed by the government, as happened in 2020, 2021 and 2022.
According to Caixa, “the amounts that are blocked in the FGTS account will not be available for withdrawal, as a guarantee of credit operations in anticipation of the Birthday Withdrawal, for example”.
The Android and iOS app has an option to check FGTS balance🇧🇷 Through it, you can consult the balance of active accounts, in addition to the statement, which includes information on entry, exit and income, for example.
Caixa subtracts the amount to be transferred from the total FGTS balance in advance. This mechanism helps prevent the value from being subtracted before the scheduled release. But rest assured: the scheduled amount will be taken to your bank account or Caixa Tem according to the schedule of each type of withdrawal.
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