New credit released with amounts starting at R $ 2 thousand with FGTS


A Federal Savings Bank confirmed the advance payment of the Service Guarantee Fund (FGTS), in the modality that came into force in 2020, the so-called birthday withdrawal. In this month of October, this new option for workers may be brought forward as an online loan guarantee.

Workers will have up to three years of payment of the resource to credit in the minimum amount of R $ 2 thousand. According to the president of Caixa, Pedro Guimarães, the money will be released digitally, without the need for the worker to go to an agency.

“The loan consists of an advance payment of the amount made available in the month of your birthday. THE FGTS balance it is used as a guarantee of the operation, bringing simplicity and agility to the contracting ”, said Caixa.

The interest rate, as informed by the bank, is quite attractive: 0.99% per month, among loans to individuals.

“Credit is quick and easy, without bureaucracy. Just access Internet Banking, simulate, hire and use the resource ”, said the bank.

Loan Advantages

According to Caixa’s president, the advantages of the loan are cheaper interest rates for individuals, 0.99% per month.

“You can anticipate one, two and even three years. And the amount is also varied, up to the limit of the balance, with a minimum of R $ 2 thousand ”, he said in live.

  • Interest per month: 0.99%
  • Interest per year: 12.54%
  • Minimum loan amount: R $ 2 thousand
  • Anticipation of up to three years of the benefit.
  • Ease: Fast and easy to hire credit
  • Practicality: Automatic and single payment
  • Speed: Money in the account the day after hiring
  • Convenience: It does not weigh in the budget because there is no monthly installment


  • Be over 18 or emancipated
  • Have a savings account or checking account at CAIXA
  • Be with CPF in a regular situation in the IRS

How to hire the credit line?

According to information from Caixa, the worker may hire the Anticipation Withdrawal Birthday FGTS “Wherever you are, in the palm of your hand or on your computer, in a completely digital way,” said the bank.

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Adhere to the birthday serve

Sign up for CAIXA Internet Banking, CAIXA app or FGTS app and indicate CAIXA. Check the amount you are entitled to.


It is possible to contract through the branch network and also through CAIXA Internet Banking.

Right now, due to the need for adjustments to the digital channel due to the high demand, hiring is being carried out only at branches. Soon they will be available again through Internet Banking and the CAIXA application.

Money in the account

CAIXA blocks the balance in the FGTS account for guarantee purposes and releases the amount of Prepayment in your account the following day.


The contracting of the new loan modality started on July 27th. Caixa Econômica Federal forecasts high demand for the service, since about 6.1 million people joined the birthday withdrawal.

Loans payable with FGTS

Until September, Caixa Econômica Federal made payroll loans to a total of 760 thousand workers using the FGTS (Guarantee Fund for Seniority) as guarantee, according to the Economic Policy secretary of the Ministry of Economy, Adolfo Sachsida.

Also, according to the secretary, on September 15, the guaranteed volume was approximately R $ 2.2 billion.

“I talked to Caixa a little while ago and they informed me that 760 thousand workers made use of the payroll-deductible credit guaranteed by the FGTS. This new type of credit totaled R $ 2.2 billion in guarantees, ”said the head of SPE. “We are boosting the FGTS payroll payroll market. It is a more stopped way for the consumer. I invite other banks to do the same, ”he added.

The use of FGTS withdrawals as a guarantee for loans in the market is provided for in the new benefit rules, which were approved by Congress last year and created the modalities of anniversary withdrawal and immediate withdrawal.

See also: 12 FGTS deposits of up to R $ 1,045 are released in workers’ accounts


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