Did you know that there is a way to release R$4,500 from Caixa Tem in the form of a loan? It is a loan scheme that allows you to withdraw money instantly and solve your money-or-lack-of issues.
The Digital Microcredit Simplification Program was designed by the Board of Directors of Caixa Econômica Federal to grant loans of R$4,500 and R$1,500 to two different groups. Understand how it works by reading the text below.
How does this program work?
The program focuses on individuals and small individual entrepreneurs (MEIs). By sticking to this type of loan, it will be possible to spend more amount in your business, grow and make more returns in the future. Digital Microcredit (SIM Digital) will provide more support to entrepreneurs, previously the amount was R$3,000 and R$1,000.
The highest amount, R$4,500, is only for MEI, while the R$1,500 will only be valid for individuals. How can I apply? The simplest way to apply for a loan is through the Caixa Tem app. Follow the following steps:
access to the Caixa Tem app; Check and update your registration information; access the “Caixa Temporary Loan” tab; access the employment section; choose in the application the value to be applied; Run the simulation and see how many installments you want to pay in a way that suits you; Confirm the request and the bank will consider your proposal. The maximum period for verification of your contract by Caixa Econômica Federal is 10 days. Upon approval, the contract will be considered valid and the funds will be credited to your account immediately.
The Caixa Econômica Federal application was created in April 2020 with the aim of being the payment channel for emergency aid for people financially affected during the coronavirus pandemic. Currently, in addition to ensuring the use of social benefits, such as Auxílio Brasil, Caixa Tem also offers other functions of the digital bank.
An example of this is Conta Social Digital Poupança, free for all Brazilians according to the applications of the Android and iOS operating systems.
Caixa Team Features
First of all, a digital bank would not be complete without the basic features like bill payment and money transfer, right? All this at the same time in a simple way, through interactive menus and chatbots that allow you to carry out transactions from anywhere. If you are transferring money, it is worth noting that the maximum transaction amount in Caixa Tem is R$600.
Firstly, another similarly interesting feature of the app is the possibility to withdraw without a physical card at the nearest ATM or lottery machine. The code lasts an hour, so it’s especially easier to ask for it when you’re already there, check it out. Go up to the application and in the main menu click on “Withdraw without a card”; The chatbot starts the process. Click on “Turn On Withdraw Code”; Then tap on “Play Box Code” to confirm.
Namely: Another interesting feature offered by the app is the ability to pay in the device. Many organizations have payment terminals in order to generate QR codes. Just read the application and pay. Here’s how to do it: In the main menu, tap “Pay at device”; hold the camera over the QR code and wait for it to be read. Then, check it out.
Virtual Debit Card
First of all, with a virtual debit card, it is possible to make purchases in various virtual establishments more safely. Currently, there are several applications that accept Caixa virtual cards. You just need to follow these steps. Enter the “Virtual Debit Card” menu. Copy the card code. Click Create next to the security icon. Use the information you need to shop and that’s it.
CaixaTem is, first of all, a great platform for financial transactions, but it is also a place where users can find information on how to better manage their money. Through the interactive menu, you can choose exactly the advice you need, be it individuals, legal entities or MEI.
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