The salary bonus is an important benefit for millions of Brazilian workers. It provides financial support and can be withdrawn directly through the Caixa Tem app.
With this tool, you gain easy access to your money without needing to go to a bank branch.
This guide explains the process step by step so you can use your benefit safely and efficiently.
Understanding the Salary Bonus in Brazil
The salary bonus, known as abono salarial, is a yearly payment provided to eligible workers.
It represents a right guaranteed by law and is managed mainly through Caixa Econômica Federal.
Learning the rules is important to ensure you receive what you are entitled to. Eligibility depends on your income, employment period, and PIS or PASEP registration.
What is the Salary Bonus (Abono Salarial)?
The salary bonus is a benefit paid to employees who meet specific requirements. It is linked to PIS for private sector workers and PASEP for public servants.
The amount is based on the number of months worked in the previous year. Payments are scheduled according to a government calendar that is updated annually.
Eligibility Criteria
To qualify, you must be registered in PIS or PASEP for at least five years. Your average monthly income cannot exceed two minimum wages.
You also need to have worked for at least 30 days in the previous year. Employers must have submitted your information to RAIS or eSocial.
Caixa Tem App: Your Main Tool for Access
Caixa Tem is a digital solution created to expand access to financial services. It is used by millions of Brazilians for social benefits, transfers, and withdrawals.
With it, you can access your salary bonus quickly and without complications. The app functions as a digital account tied to your CPF.
How Does Caixa Tem Work?
Caixa Tem is free to download from Google Play or App Store. Once installed, you create an account using your CPF and personal details.
The app allows you to check balances, transfer money, and pay bills. It also supports Pix, making it a versatile tool for daily financial needs.
Why Use Caixa Tem for Withdrawal?
Using Caixa Tem means avoiding long lines at branches. You can move money instantly through Pix to any bank account.
Withdrawal codes are also generated in-app for use at lottery outlets or Caixa ATMs. Security measures protect your data while giving you fast access to funds.
Step-By-Step Guide to Withdrawing Salary Bonus
Withdrawing your salary bonus through Caixa Tem is straightforward. Each method is designed to make access fast and secure.
Logging into Caixa Tem
Accessing your Caixa Tem account starts with a simple setup on your phone. Follow these steps to make sure you can log in correctly and view your balance.
- Download the Caixa Tem app from Google Play or App Store.
- Register with your CPF, providing the personal details requested.
- Create a secure password to protect your account.
- Verify your identity with additional information or documents if required.
- Log in using your CPF and password to access the account dashboard.
- Check your balance and confirm that your account is active.
Checking Bonus Availability
Before withdrawing, you must confirm that your salary bonus is available. The Caixa Tem app makes this process quick and simple.
- Open the main menu and go to the “Saldo” or “Extrato” option.
- Locate the “Abono Salarial” section in your account details.
- Check the available balance to see if the salary bonus is deposited.
- Verify the payment date according to the official calendar.
- Confirm availability before moving forward with your withdrawal.
Withdrawing Options
There are three main withdrawal options available:
- Pix Transfer: Send your bonus instantly to another account.
- Lottery Outlets: Generate a code in-app and present it with your CPF.
- Caixa ATMs: Use the app to generate a withdrawal code and collect cash.
Using Pix to Transfer Salary Bonus
Pix is the fastest and most convenient withdrawal method. It allows you to send the salary bonus instantly to any bank in Brazil.
With no fees and 24/7 availability, it has become the preferred option for many users. Registering your Pix key ensures smooth transactions.
How to Use Pix for Withdrawals?
Open Caixa Tem and go to the Pix option. Choose the type of Pix key registered, such as CPF, phone number, or random key.
Enter the destination account and confirm the transaction. Funds will appear in the linked account immediately.
Advantages of Pix
Pix is free and available at any time, including weekends and holidays. Transfers are completed within seconds, eliminating delays.
All major banks and financial institutions accept it. For security, every transaction requires confirmation before completion.
Alternative Withdrawal Methods
While Pix is preferred, Caixa Tem also supports other withdrawal options. These are useful for people who need cash directly or do not use Pix.
Lottery outlets and Caixa ATMs are available across Brazil for easy access. Both methods require codes generated in the app.
Lotérica Outlets
Generate a withdrawal code from your Caixa Tem app. Present the code and your CPF at the counter.
The attendant will verify the details and give you the money. This option is useful for those who prefer in-person service.
Caixa ATMs
Caixa ATMs allow withdrawal without a card. You only need the code generated by Caixa Tem.
Enter the code and your CPF at the ATM to release the funds. This method is convenient and widely available in cities and towns.
Deposits, Transfers, and Managing Funds
Caixa Tem also supports deposits and transfers to help manage your bonus. This ensures that funds are accessible when you need them.
Deposits can be made in person, while transfers can be done digitally. The app also lets you pay bills directly.
Depositing into Caixa Tem
At lottery outlets, provide your account number and deposit amount to the attendant. At Caixa ATMs, insert cash into an envelope and follow the on-screen steps.
Both methods ensure funds are added to your Caixa Tem balance. Deposits are reflected after confirmation.
Transfers Between Accounts
Caixa Tem allows transfers to other Caixa accounts. It also supports transfers to other banks through TED, DOC, or Pix.
Inform the transferee of the account and branch details for internal transfers. Digital transfers are usually processed faster and more securely.
Salary Bonus Calendar and Deadlines
Knowing when the salary bonus will be available is essential. The government releases an official calendar each year.
Payments are divided by birth month or registration number. Missing deadlines may cause you to lose access to your funds.
Annual Payment Schedule
Payments are typically spread across several months. The schedule is announced by Caixa Econômica Federal.
Workers should verify their dates to avoid delays. Each installment is deposited according to the official order.
Importance of Deadlines
If the bonus is not withdrawn within the given period, the funds return to the FAT. Claiming on time guarantees that you do not lose your right.
Workers are encouraged to monitor announcements for updates. Delays may affect financial planning and access to money.
Safety Tips for Withdrawing Salary Bonus
Security is a key concern when handling digital accounts. Caixa Tem includes features that protect users from fraud.
Following safe practices can help prevent financial loss. Always confirm you are using official services.
Best Practices
Create a strong and unique password for your account. Avoid sharing login information with anyone.
Only download Caixa Tem from official app stores. Regularly check your account to detect suspicious activity.
Avoiding Scams
Never click on suspicious links offering bonus withdrawal. Fraudsters often send fake messages asking for personal details.
Confirm details before sending money via Pix. Withdraw only through official Caixa channels to stay safe.
Benefits of Using Caixa Tem for Salary Bonus
Caixa Tem provides more than just salary bonus access. It centralizes several financial services in one app.
Users can manage benefits, transfers, and bill payments easily. Its convenience makes it one of the most used apps in Brazil.
- Manage multiple benefits like Bolsa Família.
- Pay bills directly in the app.
- Access free and instant Pix transfers.
- Avoid unnecessary trips to bank branches.
Final Thoughts: Access Your Salary Bonus with Ease
With Caixa Tem, withdrawing the salary bonus has become simpler and faster. You can choose between Pix, lottery outlets, or ATMs to receive funds.
The app also helps you manage money securely and efficiently. Following the steps carefully ensures you benefit fully from this important payment.
