💰 How to Withdraw FGTS 2025: Everything You Need to Know

Many people look for a extra money to help with day-to-day expenses, and the FGTS withdrawal can be an excellent option for this. This benefit allows workers to have access to the accumulated balance in their account. Severance Pay Guarantee Fund (FGTS), according to specific rules.

If you want to know when and how you can withdraw your FGTS, continue reading and check out all the information you need to request the benefit quickly and safely.

📌 What is FGTS and How Does Withdrawal Work?

O Severance Pay Guarantee Fund (FGTS) It is a right guaranteed to workers with a signed employment contract, being a monthly deposit made by the employer into an account linked to the employee's name.

FGTS withdrawals can be made in several situations, including unfair dismissal, retirement, property acquisition and other specific cases.

📅 When is it possible to withdraw FGTS?

Workers can access FGTS funds in different situations. See some of the main withdrawal methods available:

✔️ Dismissal without just cause – The total FGTS balance can be withdrawn, including the termination fine of 40%. ✔️ Termination due to mutual fault – Allows withdrawal of 50% from the available balance in the account. ✔️ Retirement – The worker can withdraw the total FGTS balance. ✔️ Death of the worker – Dependents can withdraw the accumulated amounts. ✔️ Indirect termination – Entitles you to full withdrawal from the account. ✔️ Work accident – The balance can be withdrawn in full. ✔️ Serious illnesses – People with conditions such as cancer, HIV and blindness can apply for withdrawal. ✔️ Property purchase – You can use up to 80% of the balance to finance your own home. ✔️ Anniversary withdrawal – Allows annual withdrawals of part of the balance, depending on the date of birth.

📱 How to Withdraw FGTS Using the App?

O FGTS application facilitates access to the benefit in a simple and digital way. See the step-by-step guide to making the query and requesting the withdrawal:

  1. Download the FGTS app in your mobile phone's app store.
  2. Sign up providing CPF, full name, date of birth and other data.
  3. Create a secure password to access your account.
  4. Access the “Withdrawal” option within the application.
  5. Choose the withdrawal method desired.
  6. Enter your bank details to receive the amount.
  7. Confirm the request and wait for the deposit into the account.

The money is usually released within 5 business days, directly into the registered account.

📑 Documents Required for Withdrawal

To withdraw FGTS in person at a Caixa Econômica Federal branch, you must 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 situation the worker finds himself in. In cases of unfair dismissal, it is possible to withdraw 100% of the balance and still receive a fine of 40% on the amount deposited by the employer.

Already in the modality birthday withdrawal, 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 allowed for your situation is 80%, he will be able to withdraw R$8,000.00.

✅ Conclusion

Check and withdraw FGTS It's never been so easy! The FGTS application allows the entire process to be done online, without queues and with total security.

Check your balance, choose the best withdrawal method and receive the amount directly into your bank account. FGTS is a worker's right, and knowing how to use it in the best way can make all the difference in your financial planning! 🚀

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