Saque-Aniversário FGTS: Who Qualifies and What You Get
Learn how the Saque-Aniversário FGTS works, including how to receive annual payments and the main rule that changes how you access your funds.
The Saque-Aniversário FGTS is a way for workers to withdraw a portion of their FGTS funds once every year during their birthday month.
Who it's for
This scheme is available to any worker who currently holds a balance in their FGTS account. If you have funds sitting in your account from previous or current employment, you may be eligible to participate.
What you get
By participating, you gain access to an annual withdrawal. Instead of waiting for specific employment events to access your money, you receive a portion of your FGTS funds once a year, specifically during the month of your birthday.
What it costs you
There is no monetary fee to use this service. However, it does require your time and digital effort, as you must actively choose to opt in using the FGTS app to change your withdrawal method from the standard rules to this annual system.
The catch to know
The most important thing to understand is the trade-off regarding your job security. If you choose the Saque-Aniversário option, you lose the right to withdraw the full balance of your FGTS account in the event that you are fired. If you lose your job, you will only be able to access your funds through the scheduled annual birthday withdrawals rather than a lump-sum payment.
How to apply
- Access the official FGTS app on your mobile device.
- Locate the section regarding your withdrawal modality.
- Review the terms for the Saque-Aniversário option.
- Follow the digital steps within the app to confirm your choice.