It is possible to request the balance of PIS PASEP and make the withdrawal today, yes. But to do so, you need to understand who's eligible, how access to the system works, and what paths are available to withdraw this amount safely. Many people have had this money sitting there for years and don't even know it. The good news? It's not complicated at all. You can handle everything with a cell phone and a few minutes of attention.

Let's take a simple and clear look at what PIS PASEP is, how to check if there's an available balance, who can withdraw it, and the steps to receive the money today, if it's released. Just to be clear: if the money is yours, there's no need to wait—withdrawal is immediate in some cases.

What is PIS PASEP, anyway?

Before you go chasing money, it's worth understanding what's behind these acronyms. PIS (Social Integration Program) and the PASEP (Public Servant Asset Formation Program) were created with the aim of benefiting workers with signed employment contracts, whether in the private or public sector.

PIS is aimed at private sector workers and is managed by Caixa Econômica Federal. PASEP is aimed at public servants and is administered by Banco do Brasil.

The two programs were unified into a single fund, called the PIS-PASEP Fund, and many people have funds in this fund but have never withdrawn them. Some due to lack of information, others because they believed they were not eligible.

Who is entitled to withdraw PIS PASEP?

This is the point that generates the most doubts, and here we will explain everything clearly.

You have the right to withdraw the balance of PIS PASEP who worked with a signed employment contract between 1971 and 1988 and yet did not withdraw the amount from the fund. This applies both to those who are alive and to the heirs of people who have already passed away and had this right.

The money that had been sitting idle for all these years was incorporated into the FGTS (Service Time Guarantee Fund) in 2020, but individual balances remained available for withdrawal. This means that even with the incorporation, the worker or their heirs can still receive these amounts.

And note: the salary bonus that is paid every year to those who worked the previous year is another matter. Here we are talking about PIS PASEP fund balance, which is unique, accumulated over the years, and can only be withdrawn once.

How do I know if there is a balance available?

Now comes the practical part: finding out if you have anything to receive.

The simplest and most direct way is to use the app FGTS, which is available for Android and iOS. All you need is your CPF and Gov.br password to access.

Once you've entered the app, follow these steps:

  1. Log in with your account Gov.br (silver or gold level).
  2. In the main menu, click on “Are you entitled to withdraw your PIS PASEP balance?” (or something similar, may vary with updates).
  3. If there is a balance, the amount will appear on the screen, along with the option to request a withdrawal.

It's that simple. In some cases, you'll see that the funds are available immediately. In others, you'll need to confirm some information before the withdrawal is released.

How to withdraw PIS PASEP today?

Did you find available funds? Great. Now just follow the steps to withdraw today. There are different ways to receive funds, depending on the worker's situation and the financial institution responsible.

Option 1: Direct withdrawal through the FGTS app

If you have a registered Pix key, you can request the transfer instantly through the app itself of the FGTS. Simply:

  1. Click on “Request withdrawal”.
  2. Choose the “account credit” option and enter your Pix code (this can be your CPF, email address, or cell phone number).
  3. Confirm your details and that's it! In just a few minutes, the money will be deposited into your account.

Option 2: In-person withdrawal at Caixa Econômica Federal

If you are unable to complete your order through the app, another option is to go to a branch. Federal Savings Bank with a photo ID.

If the amount is up to R$ 3,000, the withdrawal can also be made at ATMs or lottery outlets, using the Citizen Card and password.

Above this amount, the withdrawal must be made directly with a Caixa attendant.

Option 3: Heirs can withdraw PIS PASEP

If the holder of the right to PIS PASEP If the deceased person passes away, the heirs can withdraw the amount. To do so, they will need to present some documents:

  • Death certificate;
  • Documents proving the relationship with the deceased (such as marriage or birth certificate);
  • Declaration of dependent from INSS or inventory/sharing.

The request can be made in person at a Caixa branch or via the website, by sending scanned documentation.

How long does it take to receive?

It depends on the method chosen for withdrawal. If it is by Pix via app, the money goes into the account immediately. Yes, it is possible to receive the balance of PIS PASEP still today, as long as everything is correct and the system is working normally.

In the case of a request in person or by heirs, it may take a few business days, depending on the verification of documents and bank transactions.

Can I lose this money?

This is a common concern. And the answer is: Yes, if not withdrawn by 2025, the balance may be lost permanently..

Therefore, it's crucial to make the inquiry as soon as possible. The government has set a deadline for withdrawals, and after that, withdrawals will no longer be guaranteed.

So don't delay. This is your money, the result of your work or the contribution of someone in your family. It could help with something important now, so it's worth checking out.

Beware of fake websites and scams

Pay close attention: the PIS PASEP has become a target for scammers. Fake websites promise to release funds faster, charge fees, or maliciously request personal information.

Never provide your CPF, password, or bank details outside of official channels. Use only:

  • FGTS App (Caixa)
  • Official website of Caixa Econômica Federal
  • Caixa physical branch

There is no charge to withdraw the PIS PASEP. The process is completely free and carried out directly by the worker or heir.

Don't leave it for later

The value of PIS PASEP It may seem small to some, but to others it makes a big difference. And it's not uncommon to find people who never even imagined they had something to receive and suddenly discover a considerable amount.

What's sitting there is yours. No one will notify you by letter, phone, or text message. The only way to know is to check.

And as we saw here, with just a few clicks on the app or a trip to the branch, you can resolve everything today.

See also: Payroll loans are available to those who receive social benefits.

April 8, 2025