Take 15 questions about the withdrawal of up to R$ 1,000 from the FGTS 2022

Through provisional measure 1005, Caixa Econômica Federal is releasing in 2022 a special method of withdrawing FGTS (Service Time Guarantee Fund) amounts: the extraordinary withdrawal of up to R$ 1,000.

The worker who has a balance in the Guarantee Fund account, current or former employment, has the right to withdraw the amounts. The measure is part of an economic package by the Bolsonaro government that provides for releasing R$ 150 billion in a year in which the president must seek re-election.

Withdrawals began this Wednesday (20). They occur according to a Caixa calendar that takes into account the worker’s date of birth. The amount is automatically deposited for most citizens with the right to withdraw, in an account operated by Caixa Tem.

Failures in the registration, scams and other difficulties have led citizens to seek the bank to try to withdraw the amount. There are still doubts about who is entitled, how the loot will be and why the movement is not allowed. See answers to top questions.

1 – How do you know if you have money to withdraw from the FGTS?

The query to find out if you can be part of the extraordinary FGTS withdrawal is made on the FGTS application or on the website fgts.caixa.gov.br. In the case of the application, you must download it from Google Play or the App Store. Through the website, the worker can check if the deposit will be made automatically or if he will have to request it, in addition to the date of deposit. In the app, it is possible to check the amount, the withdrawal date, make the request (if applicable) and undo the credit.

From the site:

• Access www.fgts.caixa.gov.br
• Go to “Check here” and enter your CPF and password
• In “How you will receive your values”, the information will appear if the deposit will be automatic in the digital social savings or if it will be necessary to make the request

By app:

• Enter the application and enter CPF and password
• If there is a virtual queue, wait a few minutes
• On the home screen, go to “Extraordinary Withdrawal”
• On the next screen, the amount that will be released, the payment date and the deposit account will appear in the case of those who are entitled to automatic withdrawal
• Click on “See released FGTS accounts” to find out which accounts the money will come from
• If the payment is not automatic, go to “Request withdrawal”

2 – How to redeem the money?

The extraordinary FGTS is deposited in a digital social savings account opened by Caixa on behalf of the worker, which is operated by the Caixa Tem app. You need to download the app, register and then move the money. In Caixa Tem, it is possible to pay bills, make purchases, transfer the amount and withdraw the amounts. To withdraw, it is necessary to generate a code. See what to do:

Step-by-step registration to access Caixa Tem:

• Download or update the app on your mobile. To do this, just access the Google Play Store or the Apple Store and download the Caixa Tem app.
• Access is made with CPF and password; open the app and enter the CPF and create a password
• To generate a password, you will need to follow seven steps. Among the information that must be provided are: CPF, full name, mobile number, zip code, day, month and year of birth and email
• On the next screen, create a password, confirm the password, go to “I’m not a robot” and click “Register”
• On your first access, you will receive a code in an SMS message to confirm your identification in the APP
• Correctly enter your phone number to receive the code; then enter it and you will be able to use Caixa Tem services

Transfer of values ​​in the Cashier It has:

• enter the app
• Click “Transfer money”
• Inform if the transfer will be made by typing agency and account or if it will go to one of your favorites already registered for transfer
• Enter branch, bank, account, digit and amount, inform the type of account, CPF, the name of the person who will receive it, the amount and confirm the operation
• If you want, save the receipt on your cell phone or send it through WhatsApp
• There is a transfer limit of up to R$600 per transaction; the money will be sent by DOC (Credit Document) and will be in the account the next day

How to withdraw at the Cashier:

• Open the Caixa Tem app on your cell phone
• After entering your CPF and password, click on “Withdraw without card”
• On the next page, go to “Generate code for withdrawal”
• Guidance will appear on how to withdraw from the ATM, below, click on “Generate withdrawal code”
• Enter your Caixa Tem app password
• On the next screen, the code will appear. It is valid for one hour to be used at the ATM, in the lottery or in a corresponding Caixa Aqui
• Withdrawal is carried out without a card, so click on the “Enter” button on the ATM keyboard
• On this screen, click on the “Withdraw Cash Has” button
• Enter your CPF number and then enter the code generated in the application
• Choose a value to withdraw, pressing the buttons on the side, according to the options of values ​​that are offered on the screen. If you want another amount, type the amount you want to withdraw on the numeric keypad of the ATM and then press the “Enter” button

3 – What to do if you don’t want to redeem the FGTS?

The worker has until November 10th to request the cancellation of the credit from Caixa. This can be done in the FGTS app or at a bank branch. If you change your mind after undoing the FGTS deposit, it is possible to apply again.

Another option is not to move the values. If, until December 15, the citizen does not use the money, the amount will be returned to the FGTS account, with corrections and without any damage to the professional.

How to return:

• Open the FGTS app
• Enter CPF, password and go to login
• On the home page, click on “Extraordinary Withdrawal”
• Scroll down the page; under “If you change your mind, you can cancel the automatic credit for the extraordinary withdrawal”, go to “Request cancellation”
• Go to the next screen, go to “Continue” to confirm the option to undo the credit

4 – What problems occur in the process and how to solve them?

The FGTS consultation and withdrawal was programmed to be done completely online. However, there are flaws that can prevent the citizen from having access to values. In general, those who changed their phone number, address or there is some inconsistency linked to the FGTS registration may have problems.

When making the inquiry, the system informs that it will be necessary to go to the bank. In most cases, the citizen will have to go to an agency. When contacted, Caixa did not detail the failures or what to do.

Yes, as long as they have accounts with a balance in the FGTS, from old jobs and whose amounts are not blocked.

6 – Can I only withdraw the amounts on the date set by the Caixa?

Yes, workers will only be able to have the money from the release date defined by Caixa, which is based on the worker’s month of birth. This movement of values ​​can be done until December 15th. Before the official date, however, it is not possible to have access to the extraordinary FGTS.

See the calendar:

7 – Can I choose another account to send the FGTS money?

No, although the FGTS app offers this option, sending the money to another bank account cannot be done in this mode. This is because the extraordinary FGTS credit occurs only in digital social savings, which are automatically opened to the worker and are handled by Caixa Tem.

8 – How will the Guarantee Fund withdrawal work?

The extraordinary withdrawal of the FGTS occurs only once, considering the balance available on the date the debit is made to the fund account, up to a limit of R$ 1,000 per worker. If the holder has more than one FGTS account, the withdrawal is made in the following order: first, accounts relating to extinct employment contracts, starting with the account with the lowest balance; then the other accounts, starting with the account with the lowest balance.

9- How to unlock access to Caixa Tem?

There are several ways to unlock access, depending on the reason. In general, the Caixa sends an email to the worker. You must open this email on your cell phone and click on the link sent. If you open it from the computer, there will be an error. Another tip is to update the app in the mobile app store, delete it and reinstall it again and ask.

10 – After accessing the email sent by Caixa, a message appears to go to an agency. I must go?

This happens when Caixa identifies problems in the registration made to access Caixa Tem. To solve it, you will really need to go to a Caixa branch with your identification document and ask for the registration to be regularized

11 – Caixa Tem says that the CPF is registered on many cell phones. Is it coup?

This message means that the CPF accessed Caixa Tem from other cell phones, either because the citizen changed their device or because he had to use someone else’s cell phone to gain access. For security reasons, the same CPF cannot access the account on several cell phones, so there is a limit on the number of cell phones that can be used per user.

In this case, you will need to go to a Caixa branch, inform that you have received this message and ask for the deletion of the cell phones you no longer use. It is necessary to bring an identification document.

12 – The access code to Caixa Tem is not sent. What to do?

When the worker accesses the Caixa Tem, there are cases in which it is necessary to send a code. The app itself points out the need, but the worker may not receive it. The phone number provided at the time of registration is probably wrong. If this occurs, it will be necessary to go to the Cashier. However, if everything is correct and the code does not arrive.

13 – I cannot access services through Caixa Tem. What do I do?

To resolve this, it is necessary to go to a Caixa branch to identify the reason for the impediment and request regularization.

14 – My FGTS balance is blocked. Why does this occur?

The worker will only be entitled to withdraw the FGTS that is not blocked. Those who opted for the anniversary withdrawal of the Guarantee Fund cannot make the extraordinary withdrawal. Sought to inform that there are more situations that prevent the withdrawal, Caixa did not inform until the conclusion of this text.

No, the extraordinary withdrawal of the FGTS will not prevent the worker from having access to the withdrawal withdrawal, made at the time of dismissal. The withdrawal must also not prevent the professional’s access to the values ​​according to the situations defined by law, which include the purchase of their own home and retirement, among others.