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VALUES TO BE RECEIVED: how to withdraw your forgotten money
Many people in your family may have money forgotten in various banks and financial institutions and in the past it was practically impossible to trace this and this money was permanently lost and ended up as a gift to the big banks and other financial institutions in the country.
But now there is an automated, online and free way to track down these forgotten balances using only the CPF of their holders, including enquiries even from deceased loved ones. And you can do all this without leaving your home thanks to advances in technology.
Here you'll learn how to make CPF enquiries at all the country's banks and financial institutions without having to leave your home and locate any forgotten balances that may be lying around.
We'll also give you tips on how to invest any forgotten balances such as CDBs and Tesouro Direto, two fixed income options that are ideal for setting up an emergency reserve for money that's practically lost.
Frequently Asked Questions:
Any individual or company will have access to the forgotten and/or lost money enquiry service and will be able to request a withdrawal to their bank account.
To consult any amounts of deceased individuals, simply enter their CPF number and date of birth.
Enter one of your PIX keys and the other personal details requested at the time of your request.
You need to be an heir, executor of a will, executor of an estate or legal representative to access the deceased person's data.
CAIXA TEM: how to withdraw forgotten benefits and balances
This application from Caixa Econômica Federal has been very successful since its launch because it has made life much easier for people who needed a way to receive and withdraw their government benefits. But there are still many doubts about what you can do to use it.
However, given the success of Caixa Tem, Caixa Econômica Federal began to offer various financial products through Caixa Tem, such as credit cards, a full current account with Pix, TED, mobile phone top-ups, payment of bills, etc.
CEF believes that a large part of Caixa Tem's success is due to the fact that the app allows users to do everything directly from their mobile phones, without leaving home and without ever having to go to one of Caixa Econômica Federal's branches.
It is currently Caixa's new digital bank that has managed to revolutionise the way Caixa interacts with its clients and account holders throughout Brazil. So even if you don't intend to receive any benefits through Caixa Tem, it's still worth using this digital bank from Caixa because it allows you to apply for a credit card on the spot, all straight from your mobile phone and without having to go to a Caixa branch. Much better, don't you think?
So the Caixa Tem app is a free and secure way to access all your banking benefits, products and services in the palm of your hand.
Frequently Asked Questions:
Caixa Tem is an application developed by Caixa Econômica Federal which offers various services and products such as credit cards, sending and receiving PIX and TED, mobile phone top-ups, etc.
To access Caixa Tem you need to download the free Caixa Tem app available on Google Play (for Android mobile phones) and the App Store (for Apple mobile phones).
Caixa Tem is a truly digital bank created by Caixa Econômica Federal. One of its main advantages over Caixa itself is that Caixa Tem allows users to do everything directly from their mobile phones and without having to leave the house. No more wasting time queuing at branches.
PIS PASEP: more than R$ 24 billion of forgotten money
According to the CEF, there are still more than R$ 24 billion in PIS PASEP quotas available for withdrawal by their beneficiaries, which are considered forgotten money and the final deadline for withdrawal is scheduled to end on 1 June 2025.
With the migration of PIS PASEP to FGTS, PIS PASEP amounts were transferred to FGTS accounts in the name of their original beneficiaries. Currently more than 10 million workers still have forgotten balances available for withdrawal.
Despite this, many beneficiaries don't even know that they are entitled to PIS PASEP and the vast majority who imagine they have some entitlement don't know how to check any balance using their CPF without leaving home or how to request the withdrawal of the benefit before it is definitively lost to the Union's coffers.
In addition, there is a calendar published every year which defines the periods in which each group of workers will be entitled to withdraw their benefit. So in order not to miss the payment dates, it's important to keep an eye on the Calendar.
Here you'll learn how to check your forgotten PIS PASEP balance with your CPF and without leaving home and, most importantly, how to request a withdrawal of this balance to your beneficiary's current account.
Frequently Asked Questions:
The first step is to learn how to make an online enquiry using the benefit holder's CPF. Only after this initial enquiry will it be possible to find out in detail.
There are various ways of making the enquiry, including going in person to one of the Caixa Econômica Federal branches and facing long queues. But now you'll learn how to do it all without leaving home.
The answer is yes! Once you have analysed your details, if you are eligible, you can request a withdrawal. You'll learn what the best alternatives are for actually withdrawing the benefit.
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