Workers born in the month of September who joined the FGTS birthday withdrawal (Fundo de Garantia do Tempo de Serviço) can now withdraw the amounts at Caixa Econômica Federal. The deadline for withdrawing the money is until the 30th of November.
If the amount is not withdrawn, it will return to the worker’s FGTS account. Professionals born in July can withdraw the amounts until the end of this month. For those who have a birthday in August and opted for the modality, the money will be available until the end of October.
Those who were born in September and opt for the birthday withdrawal until the end of this month can withdraw the installment this year.
Withdrawal of money takes place according to the payment schedule defined by Caixa. The transfer of amounts to another account is made through the FGTS application for cell phones and tablets.
See the FGTS anniversary loot release calendar in 2022
born in | Start of payment | Final date to withdraw the amount |
January | jan/03 | 31/mar |
February | 01/feb | april 29 |
March | 02/mar | May 31 |
April | apr/01 | 30/jun |
May | May 02 | July 29 |
June | 01/jun | aug 31 |
July | 01/Jul | 30/sep |
August | aug/01 | 31/Oct |
September | sep/01 | nov/30 |
October | 03/Oct | 30/dec |
November | nov/01 | 31/Jan/2023 |
December | dec/01 | 28/Feb/2023 |
Subscribing to the benefit can be done via the FGTS application or website, at ATMs or at other Caixa service terminals, including banking units. Those who opt for the anniversary withdrawal are no longer entitled to the withdrawal withdrawal, which is the release of values when there is unfair dismissal.
In these cases, however, the worker can withdraw the 40% fine on the FGTS and withdraw the amount in other situations provided for by law, such as when buying a home, in retirement or due to serious illness.
The worker who opts for the birthday withdrawal can withdraw and return to the withdrawal withdrawal, as long as he has not made a loan with the money. But the change will only be reversed after more than two years from the date of joining, from the first day of the 25th month after the day of the return request.
Caixa informs that, even if you change jobs, the adhesion to the birthday withdrawal is valid for the new employment contract, ceasing to exist only if the worker chooses to return to the model of withdrawal of values on termination.
How the FGTS birthday withdrawal works
The withdrawal of amounts is limited according to the worker’s balance in the account. The less he has in the Guarantee Fund, the higher the percentage he can withdraw.
Check the limits
balance in the background | withdrawal percentage | additional installment | Maximum annual withdrawal amount |
---|---|---|---|
up to BRL 500 | 50% | – | BRL 250 |
from 500.01 to 1,000 | 40% | BRL 50 | BRL 450 |
from 1,000.01 to 5,000 | 30% | BRL 150 | BRL 1,650 |
from 5,000.01 to 10,000 | 20% | BRL 650 | BRL 2,650 |
from 10,000.01 to 15,000 | 15% | BRL 1,150 | BRL 3,400 |
from 15,000.01 to 20,000 | 10% | BRL 1,900 | BRL 3,900 |
above 20,000.01 | 5% | BRL 2,900 | it will depend on the balance |
Money can be advanced through a loan
The worker who adheres to the option can also take out a loan that anticipates the withdrawal. Depending on the bank, up to seven withdrawals can be anticipated. However, the modality has interest. The advantage is that, if you make the birthday withdrawal early, it is not necessary to wait for the month of birth to withdraw.
The contracting of the loan is made only in institutions qualified for the measure. In the FGTS application, the worker can simulate the maximum amount to be hired. It is not necessary to join the birthday loot to do the simulation.
Data from Caixa Econômica Federal show that the withdrawal of money through the FGTS birthday withdrawal has been growing while the withdrawal withdrawal is falling. The bank’s balance sheet presented in July shows that, in 2021, R$ 18.09 billion were withdrawn in the modality against R$ 9.84 billion in 2020, twice the amount.
The withdrawal-withdrawal dropped. In 2021, BRL 58.22 billion were withdrawn against BRL 80.63 billion in 2020. This year, until July, the birthday withdrawal amounted to 23.5 million operations, totaling BRL 15.7 billion withdrawn.
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