Did you know that it is possible to anticipate FGTS through PagBank? This new credit modality that Caixa makes available has been used by several banks that intend to offer an easier way for their customers to take out a loan.

It emerged from the birthday withdrawal, another Caixa modality created in 2019. With it, the worker has the right to withdraw part of the value of his FGTS once a year, in the month of his birthday.

If you want to know what anticipation of the birthday withdrawal is, how this modality works and how you can anticipate FGTS through PagBank, just continue reading!

Anticipating the birthday withdrawal is a type of loan that Caixa makes available to workers. With this function, you can anticipate 5 installments of your birthday withdrawal for the next few years.

When you hire him, the amount of this loan will be deducted annually from your FGTS balance. This means that you do not have to pay the installments and interest on the loan, as they will be automatically debited.

However, another item to be aware of is that this type of loan, when made through the Caixa network, has interest of 1.49% per month. However, this amount may change depending on the financial institution.

But, above all, the process to anticipate the birthday withdrawal is very practical. You can apply for this loan at home, on your cell phone, without having to go to a Caixa branch.

In order for you to be able to anticipate your birthday withdrawal, you must meet some requirements established by Caixa, such as:

In addition, Caixa still determines that the worker has enough FGTS balance to carry out the anticipation. Therefore, you must have at least R$200.00 in annual withdrawals.

With Caixa's new modality, several banks are allowing FGTS to be advanced. In this way, they manage to make the customer withdraw up to 5 installments of the birthday withdrawal.

As financial institutions use your FGTS balance as collateral, it becomes possible to release more installments. Thus, you can withdraw a greater amount.

With that, PagBank also joined the novelty. In this way, it allows its customers to receive up to 7 installments of the benefit. 

The worker who anticipates FGTS through PagBank can receive the balance of the benefit in the bank's digital account, which is free of charge and free of maintenance fees and bank transfers.

Anticipating the birthday withdrawal offers several advantages, especially for those who anticipate using PagBank! Below you will find three of these advantages that workers can take advantage of!

By anticipating your birthday withdrawal, you can access the total amount of the loan in a single installment, and it will be credited to your account within one business day after signing the contract. 

That way, the whole process is faster and more practical, allowing you to put your plans into action with the withdrawn amount!

This is a good advantage for you! The total amount of the loan is paid with your FGTS balance, where the amount is automatically deducted every year.

This way, this type of credit does not generate monthly installments, so that your budget does not turn into a snowball at the end of the month!

All stages of the process, from signing up for the birthday withdrawal, to contracting the anticipation and receiving it in the digital account, are done completely online. 

Both Caixa and PagBank have specific online channels for anticipating the birthday withdrawal! That way, at no time during the operation will you need to go to an agency, being able to carry out the entire process from your home.

As the whole process is done online, it ends up being more practical for you to be able to anticipate the FGTS. To help you with this, we separate below a very simple step by step to carry out the process.

1st step: Enter the Meu FGTS Caixa application and choose the Anniversary Withdrawal option;

2nd step: Go to authorization and add BANCOSEGURO SA to access your balance;

3rd step: Contact PagBank through the official channels to take out the loan, namely:

At the end of the steps, you will be contacted by a PagBank specialist. He will talk to you to analyze your FGTS balance and see if it is possible to hire and thus anticipate 7 installments of the birthday withdrawal.

Upon approval, you will need to sign a contract with the terms of the loan and within one business day, you will receive the full amount of the installments in your PagBank digital account!

It is important to remember that before following this step by step to advance the FGTS, you must have a digital account at PagBank.

And if you haven't adopted the birthday withdrawal yet and are having doubts about how to carry out this process, we have a complete post that can help you join this modality, allowing you to anticipate FGTS through PagBank! 

Read it below!