FGTS Anniversary Withdrawal: How to Request and Advance Your Money Quickly

If you need extra money, the FGTS anniversary withdrawal can be an excellent alternative. This feature allows workers to withdraw part of their FGTS balance annually, without having to terminate their contract.

In this guide, you will learn how to request the FGTS anniversary withdrawal directly from your cell phone, in a simple and bureaucracy-free way.

💰 What is the FGTS Anniversary Withdrawal? The anniversary withdrawal is an optional option that allows the worker to withdraw a fraction of the FGTS balance annually, in the month of his/her birthday.

✅ Advantages:

• Allows access to a portion of the FGTS balance every year.
• It can be used for various purposes.
• Possibility of advance payment via credit, even for those with CPF restrictions.

⚠️ Attention! Those who opt for the anniversary withdrawal cannot withdraw the full amount of the FGTS in the event of dismissal, only the termination fine of 40%.

📲 How to Request the Anniversary Withdrawal via the FGTS App 🔹 1. Download the FGTS App

Access the Play Store (Android) or App Store (iOS) and download the FGTS app.

🔹 2. Log in to your Account

Open the app and click on “Enter the app”. Enter your CPF and follow the instructions. If this is your first time accessing the app, click on “Register password”.

🔹 3. Enable Anniversary Withdrawal

In the main menu, select the “Withdrawal-Anniversary” option. Read the conditions and click “Opt”. Confirm your choice to finalize the subscription.

🔹 4. Enter your bank details

Register a bank account to receive the deposit. The amount will be credited automatically within the time period established by Caixa.

💸 How to Advance Your Anniversary Withdrawal via Loan? If you need to advance your anniversary withdrawal amounts, you can take out a loan using your FGTS as collateral. This credit has reduced rates and is available even to those with restrictions on their CPF.

📌 Banks and institutions that offer early withdrawals on your birthday:

• Federal Savings Bank
• Bank of Brazil
• Santander
• Itau
• Bradesco
• Inter Bank
• PicPay
• BMG
• Sicredi

🔹 How to hire the advance:

• Access your bank or financial institution's app.
• Look for the option to advance your FGTS anniversary withdrawal.
• Simulate the desired amount and check the interest rates.
• Confirm the request and wait for the amount to be released.

❓ Is It Worthwhile to Choose the Anniversary Withdrawal? The decision to choose the anniversary withdrawal should be based on your financial planning. If you need immediate money, this may be an interesting solution. However, remember that, when choosing this option, you will not be able to withdraw the full FGTS balance if you are fired.

✅ Benefits:

• Possibility of accessing financial resources without having to be fired.
• Option to pay in advance with reduced interest.
• Completely digital and hassle-free process.

⚠️ Points of attention:

• After joining, migration back to the withdrawal-termination will only be possible after 2 years.
• In case of dismissal, you will not have access to the total balance in your FGTS account.

✅ Conclusion The FGTS anniversary withdrawal is a valid option for those who want to have extra money quickly and make better use of their financial resources.

📲 Download the FGTS app, check your balance and request your withdrawal in just a few steps!