Withdraw the Inactive FGTS Without relying on the government's schedule, it may seem complicated, but there are alternatives to obtaining this money before official releases. Among the most common options are advance payments through banks, anniversary withdrawals, and even some specific situations that allow immediate withdrawal.

If you have a balance in inactive accounts Severance Indemnity Fund If you want to know how to withdraw this money without waiting for government regulations, keep reading. Here, I explain all the possibilities so you can access your FGTS when you really need it.

What is inactive FGTS?

Inactive FGTS (Severance Indemnity Fund) is the balance remaining in accounts from previous jobs when an employee leaves the company without just cause but doesn't withdraw the funds because they don't meet the traditional withdrawal rules. Over time, this money sits idle, earning little income and without immediate use.

The problem is that the government generally only releases withdrawals in specific situations, such as unfair dismissal, retirement, or serious illness. But there are ways to advance your withdrawal without waiting for these rules.

How to withdraw inactive FGTS without depending on the government?

If you need the money and don't want to wait for official release, here are some ways to access your inactive FGTS balance more quickly.

1# Advance via banks

Some financial institutions offer the possibility of advance the anniversary withdrawalThis means you can take out FGTS money as a loan, using the balance as collateral.

It works like this:

  • You join the birthday withdrawal in the Caixa app or website;
  • Then, request the advance payment from an authorized bank;
  • The bank releases the money immediately, deducting the installments directly from the FGTS in the following years.

The advantage of this option is that you receive the money immediately, without having to wait for the government to open new release rounds. But be aware of the interest rates charged by banks!

2# Anniversary Withdrawal

If you haven't joined yet birthday withdrawal, this may be an alternative to withdraw inactive FGTS without having to wait for an emergency release.

With the anniversary withdrawal, you can withdraw a portion of your available balance every year in the month of your birthday. The problem is that by choosing this option, you lose the right to a full withdrawal in the event of unfair dismissal, and can only withdraw the severance pay.

Therefore, before opting for the anniversary withdrawal, consider whether it is worth giving up the full withdrawal in the event of dismissal.

3# Special situations that allow withdrawal

In some cases, FGTS can be withdrawn regardless of government release rules. See if you fall into any of these situations:

  • Buying your own home: the FGTS balance can be used to make a down payment on a property or pay off financing installments;
  • Serious illnesses: cases of illnesses such as cancer, HIV or terminal illnesses allow full withdrawal;
  • Retirement: upon retirement, the worker can withdraw the entire available balance;
  • Death of the holder: in the event of death, dependents or heirs can request withdrawal of the FGTS.

If you meet any of these conditions, you can withdraw inactive FGTS without depending on government release rules.

How do I check my inactive FGTS balance?

Before deciding which option to pursue, it's important to check whether you actually have available funds. To do so, simply access one of the official channels:

  • FGTS Application (available for Android and iOS);
  • Caixa Econômica Federal website;
  • Caixa branches (bring a photo ID and your CPF).

When you log in, you'll see the amount available in your active and inactive accounts, allowing you to better plan your withdrawal.

Is it worth bringing forward inactive FGTS?

It all depends on your current financial needs. If you need the money urgently, advance payments from banks can be a quick solution, but it's crucial to consider the fees involved.

The anniversary withdrawal can be interesting for those who want to withdraw a portion of their FGTS every year, without depending on extraordinary releases.

Ultimately, the most important thing is to understand the rules and choose the option that best suits your situation. After all, the FGTS money is yours and should be used in the best possible way!

See also: FGTS: how to withdraw even if you are not unemployed?

March 7, 2025