FGTS Application – How to Register and Consult

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For those who need information about their FGTS (Guarantee Fund for Length of Service) and do not have time to go to a Caixa Econômica Federal branch or simply want to use technology to make life easier, the best option is to download the application , which was specially developed for this purpose.

A curious fact that many people don't know, but the Brazilian workers' Guarantee Fund is currently the largest in all of Latin America and the eighth largest in the world! There are more than 500 billion reais of total balance.

The FGTS was launched in 1966 by the then President of the Republic, Castelo Branco, with the aim of providing security for the worker, should he lose his job, he would have a financial resource to guarantee survival while he did not find a new job in the market.

Under the current rules, in force since the 1988 Constitution, each worker contributes 8% of their monthly earnings, amounts that are corrected by the TR (Referential Rate) year after year.

How to download the FGTS app and register

According to Caixa Econômica Federal's own website, this is the step-by-step process you can follow to download the application and put an end to the need to go to the bank to check your balance or make any requests regarding the fund:

  1. In your cell phone's app store, search for FGTS. Click install and open the app.
  2. Selecione a opção “Cadastre-se”
  3. Fill in all the requested data: CPF, Full Name, Date of Birth, E-Mail and register an access password
  4. The password must be numeric, with six digits. For those who already used the Application, you can repeat the same number of password you used before.
  5. Depois de incluir seus dados, clique no botão “Não sou um robô”.
  6. You will receive a confirmation email at the email address provided by you. Access it and click on the link that was sent.
  7. After registration, open the APP and enter the “CPF” and “Password” registered.
  8. After Login, some additional questions about your functional life will appear.
  9. Once you answer these questions, you must read and accept the Application's conditions of use by clicking agree.

IMPORTANT: If you have an error such as an email or telephone number that differ from the existing registration at the bank, you must go to a Caixa Econômica Federal branch to regularize these data. In this case, you will not be able to access the application without first personally requesting an employee to make these corrections to the system.

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Services available through the FGTS Application

Anniversary Withdrawal from the Severance Indemnity Fund

All workers could opt for this type of withdrawal that was implemented in 2020 to facilitate access to the resource for those who do not fit the traditional rules for withdrawing the FGTS. (retirement, unfair dismissal, serious illness, purchase of real estate, etc.).

This is a mechanism that, when opting for the modality, allows each participant to withdraw, annually, in the month of their birthday, a maximum amount of up to 1 minimum wage.

This measure, according to the federal government, will inject another 100 billion into the country's economy by December 2021.

Emergency Withdrawal

Due to the coronavirus pandemic, in 2020 the government released a specific emergency withdrawal option, in which each FGTS participant could withdraw up to 1 minimum wage from their balance.

However, this condition was valid only during the year 2020, that is, it ceased to exist on December 31 of the same year. There has still been no pronouncement on the part of the federal government, on the modality returning to function in 2021.

Who can withdraw the FGTS in its entirety

Workers who are in the following situations can withdraw the entire balance:

There is yet another category of people who can withdraw the entire available balance of their Guarantee Fund, they are those workers who have been without formal work for 36 months or more, with a formal contract, that is, accounts that have not received deposits for more than 36 months. For these, it is necessary to present the following documents:

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