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The Service Time Guarantee Fund (FGTS) is a fundamental right of workers, even provided for in the Consolidation of Labor Laws (CLT). To access the values, employed citizens can learn how to consult the FGTS on their cell phone and gain more control over their professional life.
In general, this fund is managed by Caixa Econômica Federal, a financial institution responsible for all operations associated with the Federal Government. Therefore, you must know the service channels of this bank. Find out more information below and learn how to make an appointment.
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Find out how to check the FGTS on your cell phone
Currently, professionals can consult the FGTS on their cell phone through the Individual Taxpayer Registry, the CPF number. This makes it much more practical and faster to check the deposits made to your account, which you can do both via the website and the app.
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To consult on your mobile device, you can access the Caixa Econômica Federal apps or websites. So, follow the steps below.
Image: Reproduction/Google Play Store
1. Consult the FGTS on the FGTS mobile app
- Download the application on your device, available for Android It is iOS;
- Open the application after downloading;
- Click on “Enter the application”;
- Enter your CPF and follow the instructions on the page;
- If this is your first access, click on “Register/Forgot password” to start your registration;
- Enter your personal data, such as full name, date of birth and email;
- Look for the confirmation email in your inbox, but also check the Spam tab;
- Follow the instructions in the email to confirm the registration and create the account;
- In the application, create a password to use in the application following the security guidelines;
- Confirm your account;
- Return to the home page;
- Log in indicating your email and password;
- Consult the FGTS.
After creating the account, or logging in, you can access balance information, monthly deposits and other important information about your benefit. More than practicality, the FGTS application gives workers the autonomy to consult the information on their own.
2. Check the FGTS on your cell phone via the Caixa website
- Enter the website FGTS Extract Box;
- Enter your CPF in the field provided
- If this is your first access, click on “Register/Forgot password” to start creating your account;
- Fill in your personal information, as requested, indicating your email, full name and other details;
- Check the email sent to your inbox to proceed with registration
- Confirm the account creation request
- Create a strong password, following security guidelines
- Confirm account creation and return to the home page
- Enter your login and password
- Consult the FGTS on your cell phone.
Through the website, the experience is similar to the app, but less responsive because the app was developed especially for mobile devices. Despite this, it is an interesting alternative for when you are unable to access the platform and want to check the values.
Image: Reproduction/Google Play Store
Who is entitled to FGTS?
As a rule, all Brazilian workers who have a formal employment contract in accordance with the CLT parameters are entitled to the FGTS. In addition, domestic, rural and temporary workers, as well as intermittent, casual and seasonal workers can request these payments.
Firstly, the Service Time Guarantee Fund was established in Brazil to protect workers dismissed without just cause. With this fund, the government guarantees payments to laid-off professionals while they reorganize financially.
At the beginning of each month, employers must deposit the amount corresponding to 8% of each employee's salary into their accounts at Caixa Econômica Federal. However, this amount is not freely available to employees.
This is because there are some rules for making the withdrawal, in addition to different modalities of the program to serve the beneficiaries. In other words, to benefit from the values, you must be aware of the withdrawal conditions imposed by the government.
When can I withdraw my FGTS?
There are different modalities and policies for withdrawing FGTS, according to the conditions of the contract. In general, withdrawal is permitted in the following cases:
- When the worker retires;
- When purchasing your own home;
- To make payment for a property purchased from a consortium;
- To assist in paying for a property financed by the Housing Financial System;
- In cases of unfair dismissal
- In cases of termination by agreement
- Due to the death of the standard and consequent closure of the company;
- Termination of a temporary professional’s employment contract;
- Lack of paid activity for casual work within a period of 90 days or more;
- For professionals aged 70 or over;
- In the case of serious illnesses at work, spouse or direct dependents;
- In the case of terminal stage of any disease;
- In case of death of the main employee;
- In case of termination due to mutual fault or force majeure
- In cases of personal, urgent and serious need due to emergency situations or public calamity recognized by the local government;
- For failure to deposit into the account for three consecutive years;
- Due to suspension of the casual worker for a period equal to or greater than 90 days;
- Upon request from dependents or heirs recognized by court after the death of the holder;
- During the anniversary period, for workers who joined the Birthday Loot;
So, did you learn how to check the FGTS on your cell phone?
Through these channels, workers are able to obtain information and are not dependent on their bosses and employers. Take advantage of the tools to plan your withdrawals, adhere to government programs and organize yourself financially based on these values. For more information, visit the official site from Caixa Econômica Federal.
