Can worker withdraw everything from inactive FGTS accounts?

Anyone who has an inactive FGTS account for less than three years can withdraw in specific situations

Estimated reading time: 3 minutes

Although the Severance Indemnity Fund (FGTS) is a right of the worker who works with a formal contract, the amount deposited can only be withdrawn in situations provided for by law, such as unfair dismissal and retirement.

However, the amounts are also available for withdrawal from inactive accounts in some cases. See now in which situations it is possible to withdraw.

Withdrawal of FGTS in inactive account

In summary, the FGTS account becomes inactive when the worker no longer benefits from the 8% of the salary, due to dismissal with just cause or resignation. However, when there are amounts accumulated in this account, interest and monetary corrections remain active.

Even if the account is inactive, it is possible to withdraw the amounts. To do so, the beneficiary must access the “Withdrawal for Inactivity in the FGTS regime” tab and choose to transfer the amounts to a bank account or perform the redemption in person at a Caixa Econômica Federal branch.

Therefore, those who have an inactive FGTS account for less than three years can withdraw in the following situations:

  • Retirement;
  • Purchase of the first property;
  • Dismissal without just cause;
  • Serious diseases;
  • Death of the worker;
  • Payment of debts;
  • Termination by mutual agreement between worker and employer;
  • When the company closes its activities;
  • Termination of contract for reasons of force majeure;
  • Suspension of more than 90 days;
  • Emergency situations or state of public calamity.

How to consult?

To find out what amount you have available in the fund, just download the “FGTS” application, and you can also consult via phone or SMS text message.

FGTS consultation through the application

  • Download the app on your smartphone (available for Android and iOS);
  • Enter the FGTS application with login and password;
  • Click “See all your accounts”;
  • Click on “View Extract”.

FGTS consultation over the phone

To consult the FGTS over the phone, it is necessary to have the Social Registration Number (NIS) or the Citizen Card. Contact number is 0800.726.0207;

FGTS consultation by SMS

To enable receiving the FGTS balance by SMS, it is necessary to activate it on the Caixa website and follow the steps:

  • Log in with your registered CPF and password;
  • Click on “FGTS”;
  • Click on “Mobile Services”;
  • Register the mobile number to receive the SMS.

Registration can also be done through the FGTS application.

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Image: Renato P Castilho /

About Yadunandan Singh

Born in 1992, Yadunandan approaches the world of video games thanks to two sacred monsters like Diablo and above all Sonic, strictly in the Sega Saturn version. Ranging between consoles and PCs, he is particularly fond of platform titles and RPGs, not disdaining all other genres and moving in the constant search for the perfect balance between narration and interactivity.

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