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The Anniversary Withdrawal of FGTS allows the withdrawal of part of the balance of the Guarantee Fund for Time of Service in the worker’s anniversary month. Adherence is optional, but it implies the loss of the right to withdraw the total amount in case of dismissal without just cause, limiting the receipt only to the severance pay of 40%.
How The Anniversary Withdrawal Of FGTS Works
The Anniversary Withdrawal was created as an alternative to the traditional termination withdrawal. This modality allows the worker to withdraw annually a percentage of the available balance in the FGTS, in addition to an additional amount defined by the Caixa Econômica Federal. This withdrawal is only released in the holder’s anniversary month.
By opting for this format, the worker maintains the balance in the fund but only has access to the annual amount defined by the rule. The remainder remains invested, earning according to FGTS rules.
However, there is a more relevant condition: if dismissed without just cause, the worker will not be able to withdraw the total balance, as happens in the termination withdrawal. In this situation, they will only receive the 40% penalty on the balance, paid by the employer.
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Difference From The Traditional Termination Withdrawal
In the termination withdrawal, the worker dismissed without just cause can withdraw 100% of the FGTS balance, in addition to the 40% severance penalty. This is the traditional form used by most Brazilians.
On the other hand, the anniversary withdrawal offers regular and scheduled access to part of the balance, functioning as a kind of “13th FGTS.” However, the benefit of annual liquidity comes with the limitation of full access at times of dismissal.
This decision should be evaluated with caution, as it brings flexibility for financial planning but also reduces security in cases of job loss.
How To Adhere To The Anniversary Withdrawal
Adherence is voluntary and can be done digitally:
- FGTS App (available for Android and iOS)
- Official FGTS Portal on the Caixa Econômica Federal website
In the process, the worker:
- Logs in with CPF and password.
- Confirms the option for the anniversary withdrawal.
- Indicates a bank account to receive the amounts.
Caixa guarantees that the credit is made within five business days after the request, as long as it is made within the anniversary month.
Procedure To Request The Withdrawal
To receive the annual amount, the worker must access the FGTS app or portal in their birthday month, confirm adherence, and validate their bank details.
The system presents the rules, payment calendar, and the released percentage. The worker can choose between direct deposit into the FGTS-linked account or transfer to another account of their preference.
Cancellation of the modality can only be requested after 24 months of adherence and will take effect in the following year, according to Caixa’s calendar.
Advantages Of The Anniversary Withdrawal
Among the positive points, the following stand out:
- Periodic Access To Resources: annual withdrawal of part of the balance, useful for financial planning.
- Flexibility In Use: freedom to use the amount as desired, without justification.
- Budget Management: can help with fixed or seasonal expenses, such as taxes and school supplies.
However, the main disadvantage remains the restriction on total withdrawal in case of dismissal.
Is It Worth Adhering?
The decision depends on the worker’s profile and job stability. Those with a secure contract or who rarely face dismissals may benefit from annual access to resources.
On the other hand, those working in sectors with high turnover may be harmed, as they will lose the ability to withdraw the entire accumulated balance at times of separation.
The information was disclosed by O Antagonista, based on official data from Caixa Econômica Federal and on the FGTS portal. The report emphasizes the importance of assessing the impact of the choice, as the alteration of the modality is not immediate and may compromise access to the balance in emergencies.
And you, have you evaluated whether the Anniversary Withdrawal of FGTS is really advantageous for your case or if the limitation of total withdrawal in case of dismissal could bring financial risks in the future? Share your opinion and experience in the comments.
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