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Brazilian Workers Can Receive the 13th Salary Early, Either Through The Company Or Via Banks; Measure Can Relieve The Budget, But Requires Attention.
According to the site Meu Tudo, the anticipation of the 13th salary has gained more space in Brazil. In 2025, many workers are already looking to find out how to guarantee the advance of the amount, especially in a context of high inflation and rising debt.
The practice consists of releasing part of the benefit before the end of the year — which can be done either by the company or by financial institutions.
The measure, although useful for those who need money quickly, requires attention to avoid future losses.
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In this content, you will understand what the advance of the 13th salary is, how to request it, who is entitled, and when this choice is really worth it.
What Is The Advance Of The 13th Salary And How Is It Paid
The 13th salary is a right provided for in Brazilian labor legislation and corresponds to an annual extra salary, paid in two installments: the first by November 30, and the second by December 20.
However, companies may choose to advance the 13th salary, allowing the employee to receive part of the amount before these deadlines.
The advance can occur in two formats:
- Via Company: the worker requests the HR for an advance of 50% of the amount, usually along with vacation.
- Via Bank: financial institutions offer the amount as a type of loan, with automatic discount on the official 13th salary payment at the end of the year.
Who Is Entitled To The Advance Of The 13th Salary
All workers with a formal employment contract (CLT), including domestic and temporary workers, are entitled to the 13th salary — and, consequently, can request the advance, provided they meet the criteria defined by the company or financial institution.
Retirees and pensioners from INSS also receive the 13th salary, and in some cases, payment can be anticipated by the Institute itself.
How To Request The Advance Through The Company?
If the option is to request the advance of the 13th salary through the company, the employee needs to formalize the request to the Human Resources (HR) department.
The ideal is to do this in writing — usually by email — by the end of January, for those who wish to receive the amount along with their vacation.
After this deadline, the employer is not obliged to grant the advance.
This modality does not incur interest charges, making it more advantageous than resorting to financial institutions.
Bank Advance: Quick Credit, But With Interest
For those who choose the advance of the 13th salary via bank, the process works similarly to a guaranteed loan.
The bank advances up to 100% of the estimated value of the 13th salary, and this amount is automatically deducted when the extra salary is credited by the company.
Despite the convenience, this type of advance includes interest charges, IOF, and administrative fees.
Therefore, it is essential to simulate the amount before contracting, comparing the total cost of the operation.
Advantages Of Anticipating The 13th Salary
For those who know how to use money with planning, the advance of the 13th salary can be quite useful.
Check the main benefits:
- Pay off high-interest debts, such as credit card or overdraft;
- Cover unforeseen financial expenses, such as medical emergencies or urgent repairs;
- Take advantage of promotions, sales, or discounts on cash purchases;
- Organize trips or renovations, planning the family budget better.
With the amount in hand before the end of the year, the worker has more freedom to use the benefit strategically and avoid accumulating debt.
Disadvantages And Risks Of The Advance
Despite the advantages, it is important to be aware of the risks of the advance of the 13th salary, especially when done via financial institutions:
- Compromising the year-end budget, a period of high consumption;
- Interest and fees can make credit more expensive than other options;
- False sense of financial relief, leading to impulse purchases;
- Hidden costs, such as fees and insurance embedded in the contract.
For this reason, it is important to assess whether the amount will truly be necessary and if there are no cheaper ways to obtain credit.
When Is The Advance Of The 13th Worth It?
The advance of the 13th salary is a good alternative when there is a real and urgent need for resources.
Paying off expensive debts or taking advantage of purchasing opportunities with discounts are good examples of conscious use.
However, it is not advisable to anticipate the 13th to invest in low-yield products or for unplanned purchases.
For those who already have difficulty maintaining a balanced budget, anticipating may bring more disadvantages than solutions.
Step By Step To Request The Advance Of The 13th Salary
- Confirm that you are entitled to the benefit (formal worker or retiree);
- Choose the form of anticipation: company or bank;
- Simulate the amount, if opting for the bank, and evaluate the interest and conditions;
- Request formally, either to HR or through the financial institution’s app;
- Wait for the analysis and deposit, which is usually released quickly.
Generally, banks require basic documentation and validation by biometrics.
Advance Of The 13th Salary Requires Planning
Receiving the 13th salary early can be a financial relief — as long as the choice is made with planning.
Evaluate your current situation, compare the conditions offered, and use the amount wisely.
The advance of the 13th salary is not a villain, but a tool that can help (or hinder) your budget, depending on how it is used.
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