How to request an advance FGTS withdrawal
Bringing forward your FGTS anniversary withdrawal offers an excellent opportunity to access part of your guarantee fund early.
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This service can be particularly useful for those who need immediate financial resources, whether to cover urgent expenses, invest in personal projects, or simply to have a more accessible financial reserve.
By following a few simple steps in the FGTS app and on the platform of your choice, such as PicPay, you can advance up to 12 installments of your FGTS quickly and easily.
What is Anniversary Withdrawal?
THE birthday withdrawal Allows workers to withdraw a portion of their FGTS balance each year, in the month of their birthday. Choosing this option allows for more flexible financial planning, providing access to funds that would otherwise be inaccessible until specific moments, such as unfair dismissal.
How does Anticipation Work?
The advance anniversary withdrawal works by advancing these annual amounts. Using platforms like PicPay, the process is simplified, with the FGTS balance serving as collateral. This means there are no monthly installments to pay; the amount is simply deducted from your FGTS.
Requirements for Advance Payment
To be eligible for the advance, you must:
- Be at least 18 years old.
- Have a minimum balance of R$ 110 in the FGTS.
Authorization for Financial Institutions
Authorizing partner financial institutions, such as PicPay Bank or Banco Original, is essential. They access your FGTS (Fund for Severance Indemnity Fund) to check your balance and facilitate advance payments. Remember, this authorization must be renewed every 90 days to continue using the service.
Possibility of Multiple Contracts
You can request an early anniversary withdrawal multiple times, as long as you maintain the minimum required balance in your FGTS. This gives you the flexibility to manage your finances as needed.
Step by Step Guide to Requesting an Advance FGTS Anniversary Withdrawal
1. Access the FGTS App
First, you need to have the FGTS app installed on your smartphone. Open the app and follow these steps:
- Anniversary Withdrawal Enablement: On the main screen, look for the "Birthday Withdrawal" option and enable it. This will allow you to withdraw a portion of your FGTS balance annually, in your birthday month.
2. Authorization to Consult the FGTS
After enabling anniversary withdrawals, the next step is to authorize a financial institution to check your FGTS balance to proceed with the advance. This is usually done within the same FGTS app:
- Bank Selection: Choose a partner bank, such as PicPay Bank or Banco Original SA. These banks are official partners on many platforms and offer the option of early withdrawals.
- Authorization: Confirm authorization so the bank can access your FGTS information.
3. Requesting Advance Payment on the Financial Institution's App
Once the bank has authorization to access your FGTS, proceed with the advance request:
- Access to the Financial App: Open the app of the financial institution where you want to make the advance.
- Navigation to Loan Option: On the home screen, tap "More options" and locate the "Loans" category. Within it, select "Antecipar FGTS."
- Information Validation: Follow all instructions to confirm your identity and transaction details. Make sure all information is correct.
4. Completion and Receipt of Funds
- Process Completion: After completing the validation, finalize the request.
- Receiving Money: If approved, the amount will be deposited directly into your account linked to the financial app. Deposit times may vary, but many institutions offer near-instant transfers.
Take Advantage of the Offer
Once you complete the process, the funds will be available to you according to the pre-established conditions. Use the money as needed, knowing that it was already part of your FGTS.
