Would you like to access future installments of your anniversary withdrawal? Then it might be a good solution to advance your FGTS through Santander!

By using this type of loan, you can access up to 5 installments of your anniversary withdrawal and thus have better interest and installment conditions.

Furthermore, credit release is quick and you can have the money in your account within two business days.

In this article, you will learn more about the FGTS anticipation through Santander and see if this solution is really worth it for you by learning about the positive and negative points of this option!

Namely, the process of advancing FGTS through Santander is basically a new type of credit that this famous bank is offering to its customers.

This way, workers who have a balance in their FGTS accounts can now advance up to 5 installments of their anniversary withdrawal!

To put it into context, the anniversary withdrawal is a type of FGTS withdrawal that emerged a few years ago and allows you to withdraw a percentage of your FGTS balance once a year, in the month of your birthday.

This way, by bringing forward your FGTS through Santander, you can access today the value of up to 5 anniversary withdrawals that you would have access to in the future!

So, you can use money that is already yours today and take advantage of it to carry out your current projects! 

In short, anyone who works or has worked under the CLT regime and has a balance in their guarantee fund and has signed up for the anniversary withdrawal can advance their FGTS and have access to this withdrawal.

To advance the FGTS through Santander, the person must also have a current account at Banco Santander and have allowed the bank to consult their data in the guarantee fund.

This is a common step in this type of loan due to the different way in which the payment of the credit installments is made. But you will learn more about this detail in the next topic!

Before applying for a loan, it is essential to learn more about the main conditions it offers!

Therefore, by advancing your FGTS through Santander, you can access a low interest rate. At the moment, the bank does not specify what the value of this rate would be, as it will depend on each customer profile that requests the credit.

In addition to the interest rate, the advance payment can be made within 5 years, as this is the total number of anniversary withdrawals that the public can advance with Santander.

By the way, an important point to know here is about the payment method for these installments. 

In short, when you advance your FGTS through Santander, the loan installments will be automatically discounted once a year from your FGTS balance.

Because of this, with this type of loan you don't need to worry about paying a monthly bill for this credit! With it, the installments will be paid automatically so you can rest easy!

In addition, another important piece of information to know about the loan is the amount of credit that can be accessed. Therefore, when you advance your FGTS through Santander, you can access amounts starting from R$$ 300.00.

The total amount that you will be able to access will depend solely on the total amount of balance that exists in your guarantee fund.

After learning more about the FGTS advance, it is normal to be in doubt as to whether it is really worth taking out this loan.

Therefore, to help you with the process, we have listed below the main positive and negative points of this Santander solution.

By advancing your FGTS through Santander, you will be able to access lower interest rates and receive the money quickly in your account. See more details about these advantages below!

The first major positive point of anticipating FGTS through Santander is the fact that this type of credit has lower interest rates than the others. This way, you can access a loan with better conditions.

Another positive point of paying in advance is that it does not compromise your monthly budget. Since the installments are automatically deducted from your FGTS, you do not need to worry about paying another bill every month.

Finally, the advance withdrawal on your birthday offered by Banco Santander is faster, and can release the money in up to two business days!

On the other hand, the FGTS advance by Santander also has some negative points that you need to know about.

The first is the fact that part of your FGTS balance will be blocked for the duration of the loan. This means that if you ever need to use the money, you may not have full access to it.

By bringing forward your FGTS through Santander, you can access up to 5 installments of your anniversary withdrawal, which is a low amount considering that other banks allow access to 7 to 10 installments.

If after checking the negative and positive points you still want to anticipate the FGTS through Santander, know that the process is very simple!

It all starts in the FGTS app, where you will allow Santander to consult your data in the background. To do this, you just need to open the app, sign up for the anniversary withdrawal and then go to the “Authorize banks” option.

Once this is done, you will only need to search for Banco Santander and, when the option appears, click on it to allow the bank to consult your data.

This way, once you have completed this part, you can go to the Santander app or website and access the option to advance FGTS through Santander.

So, just run the simulation and follow the instructions to finalize the contract!

Here you just need to be aware that one of the requirements to advance FGTS through Santander is to have a checking account with the bank. If you don't have one yet, see the following post on how to create your account at Santander bank!