2.0 unfolds: 1.4 million people access the FGTS app on the 1st day

The first day of release for the use of FGTS (Service Time Guarantee Fund) in Desenrola Brasil 2.0 brought 1.4 million workers to the fund's application this Monday (25), according to Caixa Econômica Federal.

According to the bank, users accessed the application to authorize financial institutions to consult the available balance for debt renegotiation.

The high volume of accesses caused instability and virtual queues in the FGTS application throughout the day.

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After a few minutes of waiting, some accesses required updating the application before the appointment.

How Desenrola 2.0 works
The new modality allows you to use up to 20% of the FGTS balance or R$1,000, whichever is greater, to pay off or amortize debts renegotiated in Desenrola 2.0.

The worker needs to access the FGTS application and authorize the bank to consult the available resources.

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According to Caixa, the use of the maximum limit is not mandatory. The amount actually used can be defined during negotiation with the financial institution.

Debt limit
Operations renegotiated by the program will have a limit of R$15,000 per beneficiary in each financial institution.

In the case of a worker with R$100 thousand in FGTS, he can use up to R$20 thousand, equivalent to 20% of the total balance. If you have debts in more than one bank, you can divide the amount between different institutions, respecting the ceiling of R$15,000 per bank.

Contract in 30 days
After authorization in the application, banks will have up to 30 days to formalize contracts with Caixa. Once validation is completed, the amount will be transferred directly to the financial institution responsible for the debt.

According to Caixa, there is still no estimate of the total resources that will actually be used in renegotiations.

This is because the authorization granted in the application does not mean automatic contracting of the operation.

Birthday withdrawal
In parallel with Desenrola 2.0, Caixa brought forward the payment of amounts unlocked from the FGTS anniversary withdrawal to this Monday.

In total, R$8.5 billion will be released for around 10.5 million workers.

The credits are intended for workers who joined the birthday withdrawal and had their employment contract suspended or terminated between January 2020 and December 2025.

Who receives
Deposits will be made automatically into accounts registered in the FGTS application.

Those who do not have a registered account can withdraw funds in person at Caixa branches, lottery outlets or at self-service terminals.

In-person withdrawals can be made until June 1, 2026.

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Source: CNN