How to withdraw PIS or PASEP: quick step by step

If you are a worker with a formal contract, you may be entitled to the salary bonus PIS, a financial benefit that can help supplement your annual income. The amount can reach up to a minimum wage and is intended for workers who meet certain criteria.

To find out if you are entitled to the benefit, the worker can consult the Digital Work Card or via the portal Gov.br. To withdraw the benefit, it is important to follow the steps indicated by Caixa Econômica Federal, which is responsible for releasing the payment.

In this article, we will explain in detail how to withdraw PIS, so that you can receive the benefit in a practical and quick way.

What is PIS?

PIS (Social Integration Program) is a program that was created with the purpose of enabling a better distribution of national income.

What is nowadays commonly called PIS is, in fact, the program that gives the right to salary bonus, benefit worth a maximum of one minimum wageproportional to the length of service of each worker, distributed annually by Caixa Econômica to workers in the private sector who work under a formal contract.

Originally, this was the name given to the shares of the fund made up of amounts collected from private companies, which were converted into benefits for workers with a formal contract from 1971 to 10/04/1988.

From 1988 onwards, the PIS-PASEP Fund no longer had collections for individual accounts and the resources arising from contributions to PIS and PASEP began to be allocated to the Workers’ Support Fund (FAT) to cover the costs. the Unemployment Insurance Program, the Salary Allowance and the financing of Economic Development Programs by the National Bank for Economic and Social Development – ​​BNDES.

This PIS quota fund was extinguished by MP nº 946/2020which determined the transfer of his assets to the FGTS. The linked accounts held by PIS/PASEP Fund participants are now linked to the FGTS and follow its rules.

Remember that the PIS/PASEP Quotas are the result of the credit deposited by the employer in the PIS/PASEP Fund from 1971 to 10/04/1988 and are now part of the FGTS. The Salary Allowance is the constitutional benefit of the worker’s right that meets the established requirements. Therefore, they are not synonymous.

Who is entitled?

Another common question is about who is entitled to PIS. To access the salary bonus/PIS, the worker needs to:

• Be registered with PIS for at least 5 years (as soon as the worker is registered with a company for the first time, this registration is carried out by it);
• Have received an average remuneration of up to two minimum wages from a legal entity employer during the period worked in the base year (2021);
• Have worked with a formal contract for at least 30 days in the base year (2021);
• appear in THE PRESIDENT – Annual Social Information List – relevant to the base year.

Therefore, workers employed by Individuals, such as maids or rural workers, are not entitled to the benefit.

When to withdraw

Every year, the PIS salary bonus withdrawal is released according to the worker’s date of birth.

In 2024, it started on February 15th and the deadline for moving the benefit is until December 27th.

Check out the calendar below:

Source: Caixa Econômica Federal

How to withdraw PIS?

The deposit of the salary bonus/PIS is done automatically by Caixa Econômica. Even for those who do not have an account with Caixa, the amount is credited to a digital social savings account, automatically opened by Caixa.

As a Caixa customer, the credit goes directly to the account and the amounts can be transferred using the account card or via CAIXA Internet Banking, via cell phone or computer.

Check out 4 other ways to withdraw PIS below:

1 – How to withdraw PIS through the Caixa Tem app

Home screen reproduction of the Caixa Tem app

After downloading the application via Play Store (for Android) or via the App Store (for IOS), follow the steps below to find out how to withdraw PIS through Caixa Tem:

• When opening the home screen, click on “enter Caixa Tem” and then log in using your CPF and password (if you don’t already have one, simply register on the app, create a password for your profile and validate your email)
• Select the “salary bonus” option
• If there is any amount available, just transfer it to an account of your choice via Pix or by payment slip.

2 – How to withdraw PIS through an ATM

At the ATM it is possible to withdraw PIS only with your citizen card and password.

The citizen card, or social card, is a card issued by Caixa Econômica Federal similar to traditional bank cards, but which is used as a means of accessing resources for social and labor benefits paid by Caixa.

When the Salary Allowance amount cannot be credited to an existing Caixa account or Digital Social Savings Account, It is possible to withdraw the benefit with the citizen card at self-service terminals, lottery units and at Caixa Aqui Correspondents, in addition to at bank branches using a personal password.

3 – How to withdraw PIS without the Citizen card

If the worker does not have a Social Card, the value of the benefit It can be withdrawn at any Caixa branch upon presentation of one of the official identification documents listed below:

• ID card;
• Driving License (new model);
• Functional Card recognized by Decree;
• Military Identity;
• Foreigners’ Identity Card;
• Passport.

4 – How to withdraw PIS at a Lotérica agency

Unfortunately, It is only possible to withdraw the salary bonus/PIS at a lottery agency with your citizen card and registered password on hand.

At lottery outlets and Caixa correspondents here, withdrawals are up to R$3,000.

Who can withdraw PIS quotas (referring to the years between 1971 and 1988)

According to Caixa, the amounts deposited relating to PIS, distributed by companies to employees registered in the program between 1971 and 10/04/1988, are available for withdrawal as soon as the Salary Allowance and income payment calendar begins, regardless of the month of birth of the holder, provided that one of the reasons set out in Law below is met:

• All beneficiaries, in accordance with the Lei 13.932/2019;
• Retirement;
• Age equal to or over 60 years old;
• Disability (of the participant or dependent);
• Transfer to paid reserve or retirement (in the case of military personnel);
• Elderly and/or disabled people covered by the Continuous Payment Benefit;
• Malignant Neoplasm – Cancer – (participant or dependent);
• AIDS/AIDS (of the participant or dependent);
• Diseases listed in Interministerial Ordinance MPAS/MS 2,998/2001 (participant or dependent);
• Death of the participant (situation in which the account balance will be paid to the holder’s dependents or successors).
• Events 27 – Housing Construction/Renovation and 43 – Wedding, which also allowed withdrawal of Quotas, were extinguished as of Complementary Law No. 26/1975 and the 1988 Constitution, respectively.

How to withdraw PIS quotas

Reproduction of the FGTS app home screen

With the extinction of the PIS-PASEP Fund, the available resources were transferred to the accounts of the FGTS in the name of the holders and follow the same rules as the FGTS.

To withdraw, simply follow the steps below:

• When clicking on the button to enter the app, the user will be redirected to a login page with CPF and password (if you don’t already have one, just follow the same steps as the app’s registration);
• If there is a balance to be redeemed, it will be possible to select the option “You have a withdrawal available”;
• Click on “Request PIS/PASEP withdrawal”;
• Finally, just check the information and confirm the withdrawal.

Redemption can also be made through physical channels with the Citizen Card and password at Caixa lottery units or self-service terminals.

The withdrawal of PIS quotas for the years 1971 to 1988 can also be done by the heir of the worker with a formal contract in the event of death.

The legal beneficiary can request redemption in the FGTS application in the option “My Withdrawals”, “Other Withdrawal Situations” and click on “Worker Death”.

Frequently asked questions

What to do if I don’t have a citizen card?

If the worker does not have a citizen card, it is possible to withdraw PIS at a Caixa branch by presenting an official identity document.

What to do if I don’t have a Caixa account

According to Caixa Econômica Federal, for those who do not have an account with the institution, a Digital Social Savings Account was opened automatically and free of charge, operated by Caixa Tem.

If the amount cannot be credited to a Digital Social Savings Account, the worker can make the withdrawal using the Social Card and password at self-service terminals, lottery units and at Caixa Aqui Correspondents or at an agency (even without a citizen card, just present an official identification document at Caixa).

I retired. How to withdraw PIS?

In case of retirement, there is a service to request the document to withdraw amounts that have not yet been paid, the PIS/PASEP/FGTS Withdrawal Certificate.

The retiree must obtain the Concession Letter, which is a document issued by the National Social Security Institute (INSS) when a benefit is approved.

According to the official government websiteit can be obtained through the Meu INSS application or through the website. Retirees can also request by phone, on 135.

After having the certificate in hand, the citizen must request the PIS/PASEP/FGTS Calculation Memory document through one of the means previously informed.

Some information from the beneficiary will be required for the request and the provision of this service may take an average of 20 calendar days.

How to withdraw PIS at the lottery?

It is only possible to withdraw PIS at a lottery agency with your citizen card and password.

How to withdraw if it is from a deceased worker

According to Caixa, legal beneficiaries must appear at any branch, presenting the documents:

• Valid personal identification document;
• Death certificate;

and one of the documents listed below:

• Certificate or declaration of dependents eligible for the death pension issued by the INSS; or
• Certificate provided by the employer (in the case of a public servant); or
• Court order designating the successor/legal representative and Identity Card of the successor/legal representative (in the absence of a certificate of qualified dependents); or
• Formal Sharing/Public Writing of Inventory and sharing; or
• Written declaration from dependents or successors, by mutual agreement, declaring that there are no other known dependents or successors and requesting the withdrawal, regardless of inventory, over-sharing or judicial authorization.

What to do if I don’t withdraw the money?

The salary bonus not withdrawn by the deadline set in the calendar published by the Ministry of Labor and Employment, which this year runs until December 28, returns to the Federal Government’s coffers.

According to Caixa Econômica, “according to Resolution No. 838, of September 24, 2019, workers are guaranteed the right to the Salary Allowance for a period of five years”.

To withdraw the benefit after the deadline, it is necessary to open an administrative appeal with the Ministry of Labor and Social Security, which will provide an opinion within 30 days.

It is possible to make the request in person at a Ministry unit, by telephone, by calling 158, through the Digital Work Card application or by email.

To send an email, simply type: work.(acronym of your state)@economia.gov

Example for those who live in São Paulo: (email protected)

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