Announcement

FGTS Withdrawal: How It Works, Who Is Eligible and How to Request

Announcement

Many people are looking for ways to earn extra income to balance their finances, and withdrawing their FGTS can be an interesting alternative. This benefit allows workers to access the amount accumulated in their Severance Pay Guarantee Fund (FGTS) account, in accordance with the established rules.

If you want to better understand when and how to withdraw your FGTS, continue reading to get all the essential information and guarantee the benefit in a safe and agile manner.

📌 What is the FGTS and How Does It Work? The Severance Pay Guarantee Fund (FGTS) is a right of employees with a formal employment contract, and consists of monthly deposits made by the employer into an account linked to the employee.

This amount can be withdrawn in different situations, such as unfair dismissal, retirement, property acquisition and other specific cases.

Announcement

📅 When is it Possible to Withdraw FGTS? Workers can access FGTS funds under different conditions. Check out some of the main withdrawal options available:

✔️ Dismissal without just cause – Allows the withdrawal of the total balance, including the termination fine of 40%.

✔️ Termination due to mutual fault – Allows withdrawal of 50% from the accumulated balance.

✔️ Retirement – The worker can withdraw the entire amount available in the account.

✔️ Death of the worker – Dependents have the right to withdraw the accumulated amounts.

✔️ Indirect termination – The balance can be withdrawn in full.

✔️ Work accident – The worker can withdraw the total amount available in the account.

✔️ Serious illnesses – People diagnosed with illnesses such as cancer, HIV and blindness can request withdrawal.

✔️ Property purchase – You can use up to 80% of the balance to purchase your own home.

✔️ Anniversary withdrawal – Allows annual withdrawals of part of the balance according to the date of birth.

📱 How to Withdraw FGTS Using the App? The FGTS app makes accessing the benefit more practical and digital. Follow the step-by-step guide to check and request the withdrawal:

  1. Download the FGTS app from your smartphone's app store.
  2. Register by providing your CPF, full name, date of birth and other requested information.
  3. Create a secure password to access your account.
  4. Go to the “Withdrawal” option in the app.
  5. Choose the desired withdrawal method.
  6. Enter your bank details to receive payment.
  7. Confirm the request and wait for the credit to be credited to your account.

ACCESS THE APP

The amount is usually made available within 5 business days directly into the registered account.

📚 Documents Required for Withdrawal If you choose to withdraw your FGTS in person at a Caixa Econômica Federal branch, you will need to present some documents, which vary depending on the withdrawal method:

📌 General documents:

How Much Can I Withdraw from the FGTS? The amount available for withdrawal depends on the employee's situation. In the case of unfair dismissal, it is possible to withdraw 100% of the balance and still receive a fine of 40% on the amounts deposited by the employer.

In the anniversary withdrawal modality, the amount varies according to the Caixa table, allowing the withdrawal of a percentage of the balance plus an additional installment.

🔹 Example of withdrawal calculation: If a worker has R$10,000.00 in the FGTS and the percentage released for his situation is 80%, he will be able to withdraw R$8,000.00.

✅ Conclusion Consulting and withdrawing FGTS is easier than ever! With the FGTS app, the entire process can be done online, without queues and with total security.

Check your balance, choose the best withdrawal method and receive the money directly into your bank account. FGTS is a worker's right and using it in the best way can be essential for your financial planning! 🚀

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