How to Resolve FGTS Blockage and Release Your Balance

Having access to the balance of the Severance Pay Guarantee Fund (FGTS) is essential for many workers in times of need. However, some may face difficulties when they realize that their funds are blocked.

If this is your case, see this complete guide to understand the reasons for blocking FGTS and find out how to release the amount in a practical and quick way.

❓ What Does It Mean to Have Your FGTS Blocked?

The FGTS is a right guaranteed to workers with a formal employment contract, in which employers make monthly deposits into an account linked to the employee.

However, in certain situations, the balance may be inaccessible for withdrawal, even if the worker meets the requirements for withdrawing the amounts.

The main reasons for this blockage include:

✔ Adherence to the anniversary withdrawal, which restricts the termination withdrawal;
✔ Loans with FGTS as collateral, leaving part of the balance retained until the credit is paid off;
✔ Inconsistencies in registration data, which prevent the withdrawal from being processed;
✔ Court decisions that determine the retention of the amount for legal reasons.

🔑 How to release blocked FGTS?

The method of unblocking varies according to the reason for the impediment. Check below how to proceed in each situation:

📌 If the block is due to anniversary withdrawal:

• Access the FGTS app (available for Android and iOS);
• Log in with your CPF and password;
• In the menu, go to “My withdrawals”;
• Select “Change to withdrawal-termination”;
• Confirm the request and wait for the 24-month grace period to return to traditional withdrawal.

📌 If the block is due to a loan linked to the FGTS:

• In the FGTS application, access the accumulated balance section;
• Click on the lock icon to check lock details;
• To unlock, it is necessary to pay off the loan in advance;
• After payment, the balance will be released automatically within 10 business days.

📌 If the block is caused by an error in the registration data:

• Access the FGTS application and log in;
• Go to “More” and select “Address and personal data”;
• Confirm that all information is correct and make any necessary corrections;
• If the problem persists, contact Caixa Econômica Federal.

📌 If the block is due to a court decision:

• It is necessary to seek guidance from a lawyer or the Labor Court to understand the reasons for the blockage and what measures can be taken to release the balance.

⏳ How Long Can FGTS Be Blocked?

⏱ After a loan: The balance will remain blocked until the contracted credit is fully paid off, which may take months or even years, depending on the contract.

⏱ After resignation: If the employee signed up for the anniversary withdrawal and resigned, they will not be able to withdraw the balance immediately. The withdrawal can only be made in the month of their birthday or after migrating to the termination withdrawal, respecting the 24-month period.

✅ Conclusion

If your FGTS is blocked, it is essential to identify the cause of the impediment in order to take appropriate measures. The FGTS application allows you to check the reason for the block and, whenever possible, request the unblocking.

If necessary, contact Caixa Econômica Federal through its service channels or visit a branch for further information.

🔹 Access the FGTS app, regularize your situation and ensure your balance is available when you need it!