How do I check my available FGTS balance? See the step-by-step guide

Check your available FGTS now!

If you've ever worked with a formal contract, you have your money resting in your pocket. FGTSThe good news: you can check your balance and request a withdrawal without leaving home. The bad news: many people procrastinate and leave money sitting idle.

What you need before you start

• Cell phone or computer with internet
• Gov.br Account (silver or gold level makes life easier)
• Document in hand (CPF and, if requested, ID/Driver's License)

Step by step guide to the FGTS application (the fastest way)

• Download the FGTS app on the App Store or Google Play.

• Log in with your Gov.br account. If you don't have one, create it now. It only takes a few minutes.
• Authorize the app to use your Gov.br data.
• From the Home screen, tap “Statement/Balance” to see the total in active accounts (current job) and inactive accounts (old jobs).
• If it appears “You have funds available for withdrawal”, touch and see the withdrawal options (Pix, agency, lottery, account credit).
• To Anniversary Withdrawal, enter the specific menu, see the aliquot of your balance and, if it makes sense, add the option.
• Want to use the money now? Choose Pix and enter your account key. Done, no queues.

Ninja tip: activate the app notificationsThis way you will be notified of new releases or deposits of FGTS profit distribution.

Step by step through the Caixa website (computer)

• Access the FGTS website from the Box.
• Click on "Access" and enter with your Gov.br account.
• Look consolidated balance, extracts by company and withdrawal options.
• If there is a release, request it there or generate instructions to go to the agency/lottery shop.

When to use the site: If you prefer a large screen, want to print detailed statements, or need to review several old links.

Checking balances of old accounts

Did you work at another company and never withdrew money? This account is inactive, but the money is yours. In the app:

• Enter in Extract
• Select the old company
• See the balance and withdrawal condition (past unfair dismissal, retirement, special release, etc.)

If withdrawals are available, the app will show you the way.

Main ways to withdraw

• Pix via the app: falls quickly and without displacement.
• Cash Account: direct credit if you choose.
• Lottery outlets and correspondents: smaller values, take document.
• Caixa Agency: larger values or specific cases.

Always take photo IDIf you are an heir, bring inheritance documentation/declaration of dependents.

Anniversary Withdrawal: Is it worth it?

• You receive every year, in the month of your birthday, a percentage of the balance + additional installment.
• Point of attention: when joining, loses the right to full withdrawal in case of dismissal without just cause (you only get a fine of 40%).
• It's for anyone who wants it cash flow predictability and does not depend on the total withdrawal if it is turned off.

Honest trick: simulate with and without Anniversary Withdrawal. If the annual cash is useful for your planning (and you have job security), it can be worth it.

I don't have a Gov.br account. What now?

Create now. In the app Gov.br:

• Enter your CPF number
• Validate identity (selfie, bank, INSS, e-Título, whatever is available)
• Go up to silver or gold levelThis speeds up everything in the FGTS and in several public services.

What if the balance doesn't appear?

• Sometimes there is processing of data. Come back in a few hours.
• Check if you entered with the Correct CPF.
• Check old bonds: sometimes the balance is in another account of the same company (change of CNPJ, merger, etc.).
• If you persist, talk to the Box via the app chat or go to a branch.

See also: Money forgotten at the Central Bank: More than R$1,600,700 million still unwithdrawn

Published on October 21, 2025