Saque FGTS - Descubra como sacar o seu saldo FGTS - Disse me Disse

FGTS withdrawal – Find out how to withdraw your FGTS balance

ADVERTISEMENT

Many workers don't know, but information about FGTS Withdrawal is available at any time on the app, making it easier to monitor your account and ensuring that you are aware of the amounts available. In addition, the application also provides updated information on withdrawal methods and other features related to the FGTS.

Brazilian legislation provides that all workers who carry out activities or have a formal contract have the right to withdraw the FGTS balance, which is why there are several withdrawal methods. With the withdrawal it is possible to pay bills, make investments or any other use that the worker deems necessary. But many workers don't know how it works, who is entitled to it and what steps are needed to withdraw their balance.

FGTS Withdrawal allows workers who meet the requirements to withdraw the existing balance in the account free of charge. The entire process can happen through the app, from information queries, to statements and withdrawal requests. In this article, we will address several important issues related to FGTS Withdrawal and give some tips on how to take advantage of FGTS withdrawal opportunities.

Saque FGTS
FGTS withdrawal (image: Google)

FGTS Withdrawal – Birthday

The FGTS Anniversary Withdrawal is a modality that allows Brazilian workers to access a portion of their balance in the Severance Indemnity Fund annually, according to the month of their birthday. This modality was introduced by the government as an alternative to Withdrawal-Termination, which provides access to the FGTS only in specific situations, such as unfair dismissal, property purchase and retirement.

ADVERTISEMENT

With Birthday Withdrawal, the worker can choose to withdraw a percentage of the balance available in their FGTS account, which varies according to a table defined by the government. The amount can be withdrawn in the anniversary month and in the two subsequent months. It is important to highlight that, when opting for the Birthday Withdrawal, the worker waives the Termination Withdrawal, that is, they will not be able to withdraw the total FGTS balance in the event of dismissal without just cause, maintaining only the right to a fine of 40% on the amount deposited by the employer.

An advantage of the Birthday Withdrawal is that it allows workers to use the money for various purposes, such as paying debts, investments, or even for consumption. However, it is necessary to be aware of the rules established by the government and join this modality within the stipulated deadlines.

It is important to highlight that the FGTS Birthday Withdrawal is not mandatory. Workers who do not opt for this modality will remain on Withdrawal-Termination, maintaining the right to full withdrawal of FGTS in the event of unfair dismissal. Therefore, the choice between the modalities must be made carefully, considering the financial needs and individual objectives of each worker.

ADVERTISEMENT

FGTS Withdrawal – Termination

The FGTS Termination Withdrawal is a modality that allows Brazilian workers to withdraw the total balance of their FGTS accounts in situations of termination of the employment contract without just cause. In other words, when an employee is fired by the employer without a reason considered valid by law, he has the right to fully access the amount deposited in his account linked to the FGTS.

This withdrawal is essential to provide financial security to workers in times of involuntary separation from their jobs. In addition to the amount deposited monthly by the employer, the Termination Withdrawal also includes a fine of 40% on the total amount deposited by the employer during the employee's working period. Which significantly increases the amount available for withdrawal.

It is important to remember that the Termination Withdrawal is only available in cases of unfair dismissal, that is, when the employer dismisses the employee without a legally acceptable reason. In situations of termination by mutual agreement or dismissals for just cause, the worker is not entitled to this type of withdrawal. Therefore, the FGTS Termination Withdrawal plays a crucial role in protecting labor rights and ensuring a financial safety net for Brazilian workers.

Other types of withdrawals

In addition to the Termination Withdrawal and Anniversary Withdrawal, FGTS offers other withdrawal methods that can be useful in different situations. These include:

Emergency Withdrawal (FGTS Emergency): The FGTS Emergency Withdrawal was a temporary modality created by the government in response to the COVID-19 pandemic in 2020. It allowed workers to withdraw up to R$ 1,045 from their FGTS accounts. However, this modality is no longer available.

Buying your own home: FGTS resources can be used to purchase a residential property, whether new or used. It is a very useful option for those who want to realize their dream of owning their own home.

Amortization or Settlement of Housing Financing: If the worker has an active mortgage, they can use the FGTS to amortize or pay off part of the outstanding balance. This can reduce monthly installments or accelerate the payment of the financing.

Payment of Part of the Purchase Price of a Residential Property: In addition to financing the purchase of a property, the FGTS can also be used to pay part of the value of the property, making the acquisition more affordable.

Payment of Real Estate Contract Installments in Delay: In cases of default in relation to housing financing installments, the worker can use the FGTS to regularize the situation and avoid losing the property.

Serious Personal Need: In situations of serious personal need, such as serious illnesses, natural disasters or public calamities, the worker can request to withdraw the FGTS, as long as they meet the criteria established by the government.

Age 70 or Over: Workers aged 70 or over can withdraw the full FGTS balance, even if they are still working.

How to check your FGTS balance through the app

To check your FGTS balance via FGTS application, follow these steps:

Download the Application: Make sure the FGTS application is installed on your mobile device. You can find it in your operating system's app store (App Store for iOS devices or Google Play for iOS devices). Android).

Access the Application: Open the application and log in using your access information. Which generally include your NIS number (Social Identification Number) or CPF and your registered password. If you don't already have a password, you can create one by following the app's instructions.

Check your Balance: After logging in, you will see the main screen of the application. On this screen, you will find the option “Balance” or “Check Balance”. Tap this option to access information about your FGTS.

Enter the Required Data: The application may request some additional information. Such as, for example, the password again or a security code, to guarantee the security of your data. Complete this information as instructed.

View Balance: After providing the necessary information, you will have access to your current FGTS balance. This way you will be able to see the complete statement of all transactions carried out on your account, including monthly deposits made by your employer.

Other Features: In addition to checking your balance, the FGTS app also offers other features. Such as, for example, the possibility of requesting withdrawals, updating registration information and obtaining information about available withdrawal methods.

Log Out of Account: After completing the consultation and using the desired features, remember to log out of your account in the application to ensure the security of your data. There is usually an option to log out or end the session in the application menu.

Conclusion

The rules for withdrawing the FGTS may be changed by the government or changes in the law. Therefore, each situation requires compliance with specific requirements, and eligibility for withdrawal depends on falling into the aforementioned categories. Finally, discover other useful resources in the “benefits” from our portal.

About the author

Glenda Ribeiro