🔓 How to Release Blocked FGTS – Complete Guide

Have access to the balance of Severance Pay Guarantee Fund (FGTS) can be essential at various times. However, many workers find it difficult to realize that their balance is blocked.

If you are in this situation, check out this practical guide on the main causes of FGTS blockage and how to release the amount quickly and easily.

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❓ What is Blocked FGTS?

The FGTS is a benefit guaranteed to formal workers, where employers deposit a percentage of the salary into an account linked to the employee's name each month.

However, in some situations, the FGTS balance may appear as blocked, preventing immediate withdrawal. This can occur even when the worker meets the requirements for withdrawing the amounts.

The main reasons that lead to blocking include:

✔ Adoption of the anniversary withdrawal, preventing withdrawal-termination; ✔ Loans guaranteed by FGTS, where part of the balance is retained until the credit is paid off; ✔ Errors in registration data, which prevent the withdrawal from being processed; ✔ Court decisions, which block access to values due to legal disputes.

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🔑 How to Unlock FGTS?

The solution to release the blocked balance depends on the specific reason for the block. Check below how to resolve each situation:

📌 If the block is due to anniversary withdrawal:

1. Access the FGTS application (available for Android and iOS);
2. Log in with your CPF and password;
3. From the menu, select “My withdrawals”;
4. Choose option “Switch to withdrawal-termination”;
5. Confirm the change and wait for the mandatory period of 24 months to return to traditional looting.

📌 If the block is due to a loan guaranteed by the FGTS:

1. Node FGTS application, access the option accumulated balance;
2. Click on the lock icon to see block details;
3. If you wish to unlock it, you must pay off the loan in advance;
4. After payment, the balance will be released automatically within 10 business days.

📌 If the block is due to an error in the account data:

1. Open the FGTS application and log in;
2. Go to "More" and select “Address and personal data”;
3. Check that the information is correct and make any necessary changes;
4. If it persists, contact Caixa Econômica Federal.

📌 If the block is by court order:

• In this case, it is necessary to seek a lawyer or the Labor Court to understand the reasons for the withholding of the balance and what measures should be taken.

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⏳ How long is the FGTS blocked?

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

⏱ After resigning: If the employee resigned and is in the anniversary withdrawal period, he/she will not be able to withdraw the balance immediately. Only in the month of his/her birthday or after changing to the termination withdrawal period (respecting the 24-month period).

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✅ Conclusion

If your FGTS is blocked, it is essential to understand the cause to take the correct measures. FGTS application allows you to check the reasons for the block and request unblocking when applicable.

If necessary, please contact Federal Savings Bank through customer service channels or visit a branch for more information.

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