Did you know that you may have money sitting in the CAIXA Tem app that you haven't yet withdrawn? Yes, many people have received social benefits in recent years, made transactions through the app and have no idea that there is still a balance available. Best of all: you can check this in just a few minutes and withdraw todaydirectly by cell phone or by going to a lottery office.

In this content, you will learn how to consult the amounts available in CAIXA Tem and the steps to redeem your money safely.

What is CAIXA Tem?

CAIXA Tem is an application created by Caixa Econômica Federal with the aim of facilitating the population's access to social benefits, such as Emergency Aid, Salary Allowance, Emergency FGTS and Bolsa Família (currently, Brazil Aid).

The app works like a digital account. With it, you can make transfers via Pix, pay bills, withdraw money from ATMs and even use the virtual debit card for online purchases.

The great advantage is that everything is done simply, quickly and without having to leave your home. And even if you've stopped using the app, amounts not withdrawn are still available.

Who can have money available in CAIXA Tem?

A lot of people. Since the start of Emergency Aid, millions of Brazilians have started using CAIXA Tem as their main account for receiving benefits. But not everyone has used it or withdrawn the full amount.

See who can have an available balance:

1# Who received Emergency Aid between 2020 and 2021
2# Workers entitled to Salary Bonus (PIS) paid via app
3# People who made emergency withdrawals from FGTS
4# Citizens who have participated in programs such as Bolsa Família or Auxílio Brasil
5# Who received refunds or retroactive payments from the INSS via CAIXA Has

In addition, there are cases of users who have transferred money to the app and then forgotten to move it.

How to check the amounts available at CAIXA Tem

The consultation process is simple. All you need is your cell phone in hand, the application installed and your CPF ready for login.

See step by step:

1# Open the CAIXA Tem app
2# Log in with your CPF and password
3# On the home screen, see the available balance
4# Click on "Statement" to see details of the amounts entered and not yet used

If you've forgotten your password, no problem. You can reset it right there, in the app itself, by clicking on "I forgot my password". An email will be sent to you to create a new one.

How to withdraw the CAIXA Tem amount today

If you've found some money in your balance, it's time to redeem it. CAIXA Tem offers different ways of withdrawing - all practical and without having to go straight to a branch.

1# Withdrawal without a card, via the app

This is the quickest and most practical way. You can go to a lottery shop or Caixa ATM and make the withdrawal with a code generated in the app.

Here's how to do it:

  • In the CAIXA Tem app, click on "Withdraw without a card"
  • Then tap on "Generate withdrawal code"
  • A code will be displayed, valid for a few hours
  • Go to a lottery office or ATM with this code and withdraw the amount

2# Transfer via Pix

If you prefer, you can transfer the money to another bank account via Pix. All you need is the Pix key for your destination account (this can be your CPF, mobile number or e-mail address).

  • In the app, click on "Pix"
  • Choose the "Download" option
  • Enter the Pix key and confirm the operation

The amount drops instantly and you can withdraw it at the bank of your choice.

3# Purchases with the balance

The CAIXA Tem balance can also be used directly for purchases. You can pay bills, top up your cell phone or use the virtual debit card in online stores.

If you don't need to withdraw now, but want to take advantage of the amount, this is a viable alternative.

What to do if you find a balance?

If you find money forgotten in the app, the guidance is clear: don't leave this amount idle. At any time, access may be blocked due to inactivity, or the benefit may have a redemption deadline.

So as soon as you find a balance, choose the best way to use it: immediate withdrawal, transfer or use the app's services.

Can I have money available and not know it?

Yes, many people haven't received a notification or have simply forgotten to check their statement. This is common, especially for those who have received several benefits during the pandemic.

In addition, retroactive PIS or FGTS payments can be made directly through the app, and the beneficiary only finds out if they log in and check.

So, even if you think you have nothing to receive, it's worth checking with your CPF. It's quick and free.

What if the account holder has died?

If the CAIXA Tem holder has passed away, the heirs can request the redemption of the amounts. To do so, they must present:

  • Death certificate
  • Identity document of the heir
  • Documentation proving the right to inheritance (such as an inventory or public deed)

The service can be done at a Caixa branch, with the physical documents.

See also: Forgotten money: How can I find out and recover it?

April 13th, 2025