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CAIXA Tem: See how to receive and withdraw your benefits through the app

    You may have social benefits stopped in Caixa Tem!

    In recent years, the BOX Has has become one of the most widely used apps by Brazilians. Created to facilitate the payment of social benefits, it gained prominence particularly during the emergency aid payment and continues to be the official channel for several other government programs.

    Disclaimer: This content is for informational purposes only and this website has no affiliation with the Federal Government, Caixa Econômica Federal, Banco do Brasil, or any other public agency. For inquiries or withdrawals of benefits, please access only the official channels at gov.br and never provide sensitive personal data to third-party websites.

    What many people still don't know is that the app isn't just for moving aid, but also for checking, receiving and withdrawing different types of benefits, such as PIS salary bonus, installments of Unemployment Insurance, values of Family Allowance, Gas Aid, in addition to allowing withdrawals from FGTSIn this content, you'll learn in detail how to use CAIXA Tem, what benefits you can receive, and the complete step-by-step guide to withdrawing money in a practical way.

    What is CAIXA Tem?

    CAIXA Tem is an application developed by Federal Savings Bank to facilitate access to digital banking services, especially for those who don't have accounts with traditional banks. It functions as a free digital social savings account, fully managed via mobile phone.

    With it, you can:

    • Receive social benefits directly into your account.
    • Pay bills and invoices without leaving home.
    • Make transfers via Pix.
    • Purchase at establishments using a virtual debit card.
    • Make withdrawals without a card at ATMs, lottery outlets and Caixa correspondents.

    Who can use the app?

    Anyone who receives benefits administered by Caixa can have a CAIXA Tem account. Additionally, workers who receive PIS, Unemployment Insurance or even values of FGTS also have the balance automatically deposited into the digital account.

    This means that millions of Brazilians already have an active account, often without even realizing it. Access is only possible with a CPF (Brazilian taxpayer ID) and password registered in the app.

    How to download and access CAIXA Tem

    • Download the app – CAIXA Tem is available for free on the Google Play Store (for Android) and the App Store (for iOS).
    • Register – When opening the app for the first time, the user must enter their CPF, full name, cell phone number and create a password.
    • Code confirmation – A code will be sent via SMS to validate the registration.
    • Login – After registering, simply enter your CPF and password whenever you want to access.

    An important tip: always keep the app updated, as new features and security improvements are released frequently.

    What benefits can be received at CAIXA Tem?

    CAIXA Tem centralizes several social and labor programs. The main ones include:

    • Family Allowance (replacement for Brazil Aid).
    • Gas Aid for Brazilians.
    • PIS salary bonus.
    • Unemployment Insurance.
    • Extraordinary and emergency withdrawals from the FGTS.
    • Government Refunds and Temporary Programs (as happened with emergency aid).

    In addition to these, other one-off payments can also be deposited into the digital social account.

    How to check your balance in CAIXA Tem

    After accessing the app, your balance appears on the home screen. You can view your available balance and also track your statement, including all transactions made. This check is free and available at any time.

    How to withdraw money from CAIXA Tem

    Withdrawals can be made in three different ways:

    1. Cardless withdrawals at ATMs
      • Access the app and click on Cardless withdrawal.
      • Generate a withdrawal code.
      • Go to a Caixa ATM and select the corresponding option.
      • Enter the code and withdraw the amount.
    2. Withdrawals at lottery outlets and correspondents
      • Generate the code in the same way in the app.
      • Present the code and a valid ID at the lottery cashier.
    3. Transfer via Pix
      • If you prefer not to withdraw, you can transfer the amount to another bank account. Simply use the Pix key of the desired person or bank.

    This flexibility makes the process simpler, especially for those who don't have a physical card.

    How to pay bills and invoices

    CAIXA Tem also allows you to pay bills directly from your cell phone. Just select the option Pay your bills, scan the barcode with your cell phone camera or manually enter the numbers, and confirm the payment.

    The amount is automatically debited from the available balance.

    How to use the virtual debit card

    Within the application, a virtual debit card that can be used for online purchases on websites and apps. This feature is very useful for those who don't have a physical card but want to make secure digital purchases.

    The card is linked to your digital social account and works like a traditional card: just enter your details and confirm the purchase.

    How to transfer money

    Transfers can be made by Pix, which is the fastest and most convenient way. Simply choose the Pix option, enter the key (CPF, phone number, email address, or random key), and confirm. The amount is deposited instantly, 24 hours a day, including holidays and weekends.

    The app also allows transfers via TED or DOC, but these methods may take longer to clear.

    Common questions about CAIXA Tem

    1. Do I need to pay any fees to use the app?
    No. CAIXA Tem is free and does not charge digital account maintenance fees.

    2. Is it safe to use CAIXA Tem?
    Yes. The app has security layers, such as a password and SMS confirmation code. Furthermore, all transactions are logged.

    3. What should I do if I forget my password?
    On the login screen, just click on “Recover Password” and follow the steps to create a new one.

    4. Can I move large amounts through CAIXA Tem?
    The account has daily and monthly transaction limits specifically designed to serve low-income populations. For larger amounts, it's recommended to transfer funds to another bank account.

    Advantages of using CAIXA Tem

    • Easy access: even those who do not have a bank account can receive benefits.
    • Mobility: the entire process is done via cell phone, without the need to wait in lines.
    • Integration with Pix: allows instant transfers.
    • Free of charge: no maintenance fees.
    • Virtual card: enables secure online shopping.

    Important care

    Although the app is secure, there are scam attempts using the CAIXA Tem name. Here are some tips to avoid problems:

    • Never provide your password or access code to third parties.
    • Be wary of WhatsApp or SMS messages that promise to release your balance.
    • Only download the app from the official stores (Google Play and App Store).
    • Keep the app always updated.

    Why check and withdraw benefits through the app?

    CAIXA Tem is currently the fastest and most convenient way to access social benefits in Brazil. It eliminates bureaucracy and offers autonomy to workers, who can withdraw, transfer, or use funds without needing a physical card.

    Furthermore, having access via cell phone makes everyday life easier, allowing you to check balances and statements at any time, without having to depend on banking hours.

    See also: 3 international credit cards that can be approved through the app

    Published on September 5, 2025