Need some quick extra cash to ease your monthly budget, but don't know where to get it? One of the main alternatives is to use the FGTS anniversary withdrawal, a credit option that releases funds quickly, and it's even valid for those with CPF restrictions. In this article, we'll show you every detail and withdrawal rule so you can obtain your benefit quickly and easily. Check it out now!
✅ How do I request the FGTS anniversary withdrawal?
The Severance Pay Guarantee Fund (FGTS) is one of the main labor benefits and is very important for most Brazilians. But what many don't know is that the balance available in the FGTS account can be used in different situations. One of these situations is the "birthday withdrawal" option, which allows workers to withdraw a portion of their fund balance once a year.
This is the easiest and most common way to use part of your FGTS balance. In this method, the worker is entitled to withdraw a specific amount once a year, in the month of their birthday. This payment method follows a schedule released by Caixa Econômica Federal, which releases the funds according to the worker's birth month. There are no fees for this method. Simply withdraw the amount during your birth month.
It's important to remember that, in order to receive the anniversary withdrawal, you must have previously opted into this modality (we'll explain how to do this below). You can also use the FGTS Digital Withdrawal, where you simply check the available amounts and request that they be transferred to your registered bank account, quickly and easily.
How do I enable the FGTS anniversary withdrawal?
As mentioned earlier, to use this option, you need to authorize your participation. It's crucial to know that after opting for the birthday withdrawal, the worker can only return to the traditional method (termination withdrawal) after a minimum period of two years. Therefore, carefully consider whether this is truly the best choice for your situation before confirming.
Authorization can be done in person at a Caixa branch or online through the official FGTS app. If you prefer in-person service, simply go to a Caixa branch with your personal documents. Although it is a slightly longer process, having an attendant's guidance can make it easier to clarify any doubts.
On the other hand, if you prefer the convenience of handling everything online, simply download the FGTS app on your cell phone. The app is available for free on the Google Play Store (for Android) and the App Store (for iPhone). Using the app, the whole process becomes much more practical. The birthday withdrawal request can be made quickly and securely, directly from your cell phone. After installing, simply log in with your CPF (Brazilian tax identification number) and password, authorize your participation in the birthday withdrawal program, and that's it: you will be able to make your annual withdrawals or even anticipate them if you wish.
Is it possible to withdraw the anniversary payment early?
Yes, it is possible to anticipate your FGTS (Brazilian severance fund) anniversary withdrawal! If you have already opted for this option, you can request the advance and receive your money immediately. However, this advance works like a loan, with interest charges, although the rates are quite affordable. To make this advance, you need to have an account at a bank or financial institution that offers this type of credit.
Frequently asked questions about FGTS (Brazilian Severance Indemnity Fund)
Yes, you can withdraw money from your FGTS (Brazilian severance pay fund) if it is available for withdrawal. However, to be eligible, you must meet one of the eligibility requirements, such as your birth month. There are situations that don't require a specific date, such as when your retirement is approved by the INSS (Brazilian Social Security Institute) or when FGTS is released due to age 70 or older.
To view your FGTS balance using your CPF (Brazilian tax identification number), simply access the FGTS app. Log in using your CPF and your registered password. If this is your first time accessing the app, you will need to complete a more detailed registration, including your full name, date of birth, and your CPF number.
Withdrawing FGTS (Brazilian Severance Indemnity Fund) in 2025 is simple. The beneficiary simply needs to meet one of the withdrawal options and conditions, whether it's through the anniversary withdrawal option (based on birth month) or the termination without just cause option. It can also be done through retirement based on length of service, provided it's approved by the INSS (Brazilian National Social Security Institute).
