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FGTS has a withdrawal anniversary method that is offered to workers who can withdraw up to R $ 2,900 (depending on the balance in active or inactive fund accounts).
The withdrawal memory allows the worker to withdraw from the balance of the FGTS account (Guarantee Fund for Service Time), in the month of his birthday, for an amount of up to R $ 2,900, and this procedure is annual, and the employee will need to adhere to the method.
The draw can be made from the month in which you celebrate your birthday and up to two months after the issuance.
For those born in May, the deadline to join the Christmas Withdrawal and withdraw money from FGTS accounts is actually worth it.
Withdrawal at Christmas is not mandatory, however, those who join must inform Caixa Econômica Federal. When you choose the method, it will be possible to withdraw part of the balance of active FGTS accounts (current jobs) or inactive accounts (old jobs).
When requesting a birthday withdrawal, you will lose the ability to withdraw the entire fund in the event of a resignation. However, you may be able to reach a termination penalty of 40% on the amount deposited by your employer in the event of unfair dismissal, as well as the possibility of withdrawing from the purchase of your home, retirement, or serious illness.
Withdrawal birthday calendar
| Month of birth | Available date for withdrawal |
| Janeiro | From January to March 31 |
| February | From February to April 30 |
| March | From March to May 31 |
| April | From April to June 31 |
| May | From May to July 30 |
| June | From June to August 31 |
| July | From July to September 30th |
| August | From August to October 29 |
| September | From September to November 30th |
| October | From October to December 31 |
| November | From November 2021 to January 31, 2022 |
| Dec | From December 2021 to February 28, 2022 |
Christmas swag
The deadline for joining the birthday draw and reaching a portion of the account balance in 2021 always ends on the last day of the worker’s birth month.
For those born in May, it will be possible to join the Christmas swag until the end of the month.
The amount of the withdrawal will vary according to the balance that the worker will take into account in accordance with a percentage of the amount plus an additional premium.
Check the table with all possible values for withdrawals:
| An amount up to R $ 500 | Up to 50% of the balance can be withdrawn |
| Balance amount from R $ 500.01 to R $ 1000 | Up to 40% of the balance can be withdrawn |
| Balance amount from R $ 1,000.01 to 5,000 | Up to 30% of the balance can be withdrawn |
| The balance amount is from R $ 5,000.01 to R $ 10,000 | Up to 20% of the balance can be withdrawn |
| Balance amount from R $ 10,000.01 to R $ 15,000 | Up to 15% of the balance can be withdrawn |
| Balance amount from R $ 15,000.01 to R $ 20,000 | Up to 10% of the balance can be withdrawn |
| Above $ 20.00.01 | Up to 5% of the balance can be withdrawn |
Edited by Jorge Roberto Rigt-Cunha – Journalist for the Journal Contabelle
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