See who will be without automatic payment of FGTS 2022

Workers who chose not to withdraw the emergency FGTS (Fundo de Garantia do Tempo de Serviço) in 2020 will be without the automatic credit from the Guarantee Fund that is being released by Caixa Econômica Federal this year, called the extraordinary FGTS.

To receive the money, which totals up to BRL 1,000, these professionals need to request a withdrawal. For the others, payment will be made automatically between April 15th and June 20th, in a digital social savings account opened at Caixa Tem.

The money is released according to the month of birth, but those who returned the emergency FGTS or chose not to withdraw at the time need to make the request to Caixa to have the extraordinary FGTS. Depending on when you place the order or regularize the registration, “the credit will be made at Caixa Tem in the next processing window”, according to Caixa.

In general, FGTS payments are made on Wednesdays and Saturdays, according to the calendar defined by the bank. The money is deposited at Caixa Tem and can be moved immediately, with purchases over the internet or establishments that accept digital savings, payment of bills and transfer or withdrawal of amounts.

SEE THE 2022 FGTS WITHDRAWAL CALENDAR

Workers will have until December 15th to request the money or accept the automatic deposit. Anyone who does not want the credit must undo the payment in the FGTS app until November 10. Those who do not withdraw will have the amounts returned to the account, without losses, says the state bank.

According to Caixa’s balance sheet, the emergency withdrawal, established by provisional measure 946, of 2020, totaled R$ 24.2 billion withdrawn, benefiting 31.7 million workers. At the time, the forecast was that 60 million could withdraw up to a minimum wage, of R$ 1,045 at the time, totaling R$ 37.8 billion available.

The release was a solution found by the government to try to contain the economic damage of the coronavirus pandemic. In 2022, the year in which Jair Bolsonaro (PL) should seek re-election, the money was made available again. The estimate is that 42 million workers can withdraw up to R$ 30 billion.

How do I know if I have to apply for FGTS?

The query to find out if you will have the extraordinary FGTS automatically or will need to make the withdrawal request can be done through the website fgts.caixa.gov.br or through the FGTS app, available in the cell phone app store. On the website, you can find out if you are entitled to receive the Guarantee Fund.

Through the app, there are more features. It is possible to consult the amounts, request the cancellation of the credit, update data to receive the amounts and see the date on which the credit will be available.

For those who are entitled to receive automatically, after the consultation, the date on which the money will be released will appear and a message informing you that, if you change your mind, it is possible to cancel the automatic credit. For others, there will be no such message.

CONSULTATION OF THE FGTS BALANCE THROUGH THE APP:

1. Update or download the FGTS app on your mobile
2. Then open the app and click “Sign in to the app”
3. The program will ask if you can use Caixa.gov.br; click “Continue”
4. Enter your CPF, go to “I’m not a robot” and then to “Next”; if the program asks to identify images, identify them and go to “Verify”
5. Enter the password and click “Login”
6. A message will appear with information about the extraordinary FGTS withdrawal, click on “I understand”
7. On the home screen, go to “Extraordinary Withdrawal”, in the orange frame
8. On the next screen, you will see how much will be available for you to withdraw
9. To find out which accounts the amount is being debited from, click on “See released FGTS accounts”
10. Payment is automatic, on the digital social account, for most workers; in some cases, you will need to make the request (see the step-by-step below)

CONSULT THE SITE TO FIND OUT IF YOU HAVE THE RIGHT TO WITHDRAW:

1. Access the website www.fgts.caixa.gov.br
2. On the home page, go to “Extraordinary FGTS withdrawal” and click on “See here”
3. In the specific field, inform the CPF or the PIS number (if you do not have the PIS number, the query can be made through My INSS; click here for other ways to know the PIS)
4. Click “I’m not a robot” and click “Continue”
5. The system will ask to click on images; identify them and go to “Verify”
6. You will need to enter your internet password and click on “Continue”; if you don’t have or don’t remember, go to “Register/recover password”
7. Your mobile number will appear or the option to register one to receive “SMS”
8. There will be a message informing you if you are entitled to the FGTS withdrawal and how this withdrawal will be made

SEE THE STEP BY STEP FOR THOSE WHO WILL NOT HAVE THE AUTOMATIC DEPOSIT

1. Access or download the FGTS application (if you already have the application and it is necessary, update it)
2. After downloading or updating, click “Join the app” and then “Continue”
3. Enter your CPF, go to “I’m not a robot” and click “Next”
4. Enter your password and go to “Login”
5. The app will be able to provide explanations about the new method of withdrawal; click “Understood”
6. On the homepage, go to “Extraordinary Withdrawal”
7. On the next screen, information on how much you can withdraw will appear.
8. To find out which accounts the money will be withdrawn from, click on “See released FGTS accounts”
9. If the deposit has not occurred automatically, the system will inform you that it is necessary to request the withdrawal; if this is the case, go to “Request a withdrawal”, below, in orange
10. The only option is to deposit the amount in a Caixa social savings account, operated by Caixa Tem
11. If you want the values, go to “Confirm”
12. The following message will appear: “Cashier will process the request and if everything is ok, the amount will be credited to your account”

Who is entitled to withdrawal and FGTS

Every worker with an account in the fund, which is not blocked, has the right to withdraw the extraordinary FGTS. The main reasons for blocking are: court order, request for the return of an extra amount paid by the employer, inconsistent data and contracting a credit operation with anticipation of the birthday withdrawal.

All Brazilian workers with a formal employment contract, governed by the CLT (Consolidation of Labor Laws), are entitled to the Guarantee Fund, as well as domestic, rural, temporary, intermittent, single, seasonal workers (rural workers who work only during the period harvest) and professional athletes.

Employers deposit, monthly, 8% of the salary in an account opened in the name of the worker.