Caixa Tem app is Caixa Econômica Federal’s free digital account and mobile app created to simplify access to social benefits and basic banking services in Brazil.
Below is a clear, step-by-step guide to help you use the app safely and effectively.
What Caixa Tem App Is
Caixa Tem is a free digital account and app from Caixa that lets beneficiaries move money and use financial services on a smartphone.
The app was designed to make everyday tasks—checking balances, paying bills, transferring funds, and receiving federal benefits—fast and accessible.
At the center of Caixa Tem is the Poupança CAIXA Tem (digital savings).
If you don’t already have an account of the same type, you can open this savings account directly in the app and use it to receive deposits.
Benefits You Can Follow in The App
Many Brazilians use the Caixa Tem app to move social benefits paid via Caixa, especially Bolsa Família, the country’s main income-support program.
Payment dates for Bolsa Família are organized by the final digit of the NIS (Número de Identificação Social).
Having the schedule on your phone helps you avoid unnecessary travel and plan your household budget.
When in doubt, consult your city hall’s social assistance center (CRAS) for guidance.
Opening and Using Your Digital Savings (Poupança CAIXA Tem)
Once configured, your Poupança CAIXA Tem functions as a savings account for day-to-day transactions—receiving benefits, paying bills, and making transfers.
You can open it in-app if you don’t already have the same account type active.
After activation, your balance and recent transactions are visible on the home screen, with shortcuts to common services.
If your benefit is paid into a Poupança Social Digital, note that it is a digital-only account that offers a virtual debit card.
Logging In and Keeping Your Registration Up To Date
If the app asks you to update your profile, follow the instructions inside the Caixa Tem app, supplying documents and a selfie if prompted.
This step validates identity, reduces the risk of fraud, and prevents service limits from applying to your account.
If you need to update broader personal data related to benefits (for example, changes in family composition or income for Cadastro Único).
Follow municipal guidance through CRAS and the instructions provided by the federal social development authorities.
Paying Bills, Transferring Money, and Using Pix
Inside Caixa Tem, you can pay boletos and utility bills, transfer between accounts, and send or receive money via Pix.
To make a Pix transfer, open the Pix menu, choose Enviar Pix, and complete the payment using a key (chave Pix), QR Code, or agency/account details.
Pix also enables instant transfers at any time of day, including weekends and holidays. For people who rely on benefits, this speed is important.
When available, Saque Pix allows withdrawals at participating ATMs and agents by generating a QR Code in the app and following the on-screen instructions.
Shopping Online With The Virtual Debit Card
For online purchases, Caixa provides a Cartão de Débito Virtual linked to your digital account.
You can generate virtual debit card data (usually one Visa and one Elo option per account) in the app and use them on e-commerce sites.
Because the card details can be refreshed, this method adds security and reduces the exposure of your physical card number.
If you also have a physical Caixa debit card, you can still use it for ATM withdrawals and in-person payments.
How to Track Bolsa Família Dates on Your Phone
Beneficiaries typically rely on two official mobile tools to stay informed:
- Caixa Tem: to follow the digital account balance, movement, and transactions.
- Bolsa Família app: to check program information, benefit status, and payment calendar tied to the NIS.
Both apps are complementary.
The calendar provides the exact day you can access funds; Caixa Tem shows the amount credited and lets you use or transfer it.
To avoid misinformation, confirm dates in these apps or through official communications, not through social media posts or messaging-app chains.
Security: Avoiding Scams and Protecting Your Data
Because social benefits are high-impact for families, scammers often target beneficiaries with phishing, fake pages, and false ads.
Use only official apps and domains. Download the Caixa Tem app from the official app stores. Never pay to release benefits.
Use screen locks, avoid public Wi-Fi for transactions when possible, and keep your phone’s operating system updated.
Caixa and federal agencies do not request passwords by phone, chat apps, or email. If contacted unexpectedly, do not share codes or personal data.
Getting started in The Caixa Tem App
Follow.
- Install the app: Search “CAIXA Tem” in your app store, confirm the publisher is Caixa Econômica Federal, and install the latest version.
- Log in with CPF: Enter your CPF and verify your phone number. Insert the verification code sent by SMS to confirm your identity.
- Open or confirm your digital savings: If eligible and you don’t have the same account type active, open Poupança CAIXA Tem within the app to receive deposits and benefits.
- Check your benefits and calendar: If you receive Bolsa Família, consult the payment calendar tied to your NIS and verify expected credit dates.
- Use Pix and pay bills: Tap Pix to send or receive money instantly, and use the bill-payment option to settle boletos and utilities.
- Shop online with the Virtual Debit Card: Generate your Visa or Elo virtual debit card and copy the details securely for online checkouts.
- Withdraw cash without a card (when needed): Use the app’s saque sem cartão or Saque Pix options at compatible ATMs and partner points, following on-screen steps.
When Caixa Tem May Not Be Enough
The Poupança Social Digital typically includes limits on monthly incoming funds of around R$5,000.
If you regularly exceed this amount, need additional features, or want broader product choices, consult Caixa about migrating to another account type.
This evaluation helps align your financial activity with the right service level.
Tips for smoother daily use
Mark your NIS-based payment day and schedule bill payments shortly after funds arrive to avoid late fees.
Save digital receipts for Pix, bill payments, and purchases. They help resolve disputes and track expenses.
Consider keeping a simple ledger for food, utilities, school, and transport so you can see where the benefit goes each month.
Enable app alerts for credits, debits, and security prompts to stay on top of your account.
Final Word
Caixa Tem app brings your benefits and banking into one official app.
When in doubt, verify information directly in the apps or at official service points, keep your registration current, and protect your device.
With these steps, you can manage your household support confidently and avoid common pitfalls.
