Overview
- The recent extraordinary withdrawal phase freed roughly R$8.2 billion for workers who had balances blocked after contract termination, and the last scheduled lot has now closed.
- Until October 31, 2026 a transition rule lets workers contract up to five future saque‑aniversário advances with per‑parcel limits of R$100 to R$500 and a total cap of R$2,500.
- From November 1, 2026 the allowable advances fall to three years and the maximum total that banks can advance drops to about R$1,500, reducing how many future FGTS installments can be pledged.
- New‑joiners to the saque‑aniversário face a 90‑day waiting period before a bank can check their balance or offer an anticipation, unclaimed releases return automatically to FGTS accounts, and switching back to the traditional withdrawal mode triggers a two‑year quarantine.
- Workers should use the FGTS app to confirm balances, blocked amounts and eligibility because anticipation is a loan that reserves future annual withdrawals and can lower available funds if the worker is later dismissed.