Your social benefit may be available at Caixa Tem

The application BOX Has has become, in recent years, one of the most used means by Brazilians to receive and transfer social and labor benefits. Initially created to simplify the payment of emergency aid, it quickly gained importance and began to centralize other programs, such as Family Allowance, Gas Aid, PIS salary bonus, installments of Unemployment Insurance and even withdrawals from FGTS.

Today, CAIXA Tem is the digital gateway for millions of citizens who previously depended on queues at branches or lottery outlets.

What is CAIXA Tem?

O BOX Has is an official application of Federal Savings Bank, which works as a digital social savings account. It was created to democratize access to banking services, especially for people who did not have a bank account.

Through the app, you can:

  • Receive social benefits directly.
  • Check balance and transaction statement.
  • Make instant transfers via Pix.
  • Pay bills, invoices and purchases using virtual debit.
  • Make withdrawals from ATMs, lottery outlets and Caixa Aqui correspondents, without needing a physical card.

In short, it is a free, practical, and accessible digital account for any worker or beneficiary of social programs.

Who can use CAIXA Tem?

Anyone receiving benefits administered by Caixa is already entitled to an account on the app. This includes:

  • Families benefiting from Family Allowance (formerly Brazil Aid).
  • Workers who receive the PIS salary bonus.
  • People who have amounts to withdraw from FGTS.
  • Citizens who receive the Unemployment Insurance.
  • Beneficiaries of the Gas Aid.

Access is granted using your CPF (Individual Taxpayer Registry) and registered password. In many cases, the account is opened automatically when the benefit is approved.

How to download and access CAIXA Tem

  1. Download the app on the Google Play Store (Android) or App Store (iOS).
  2. Open the app and enter your CPF.
  3. Register a password access (six numbers).
  4. Validate your data: the system may ask for confirmation via SMS sent to the cell phone.
  5. Log in to your account: after registering, simply use your CPF and password to access your balance.

An important tip: always keep the app updated to ensure greater security and access to new features.

What benefits can be received at CAIXA Tem?

The main programs that use CAIXA Tem as a payment method are:

  • Family Allowance
  • Gas Aid for Brazilians
  • PIS salary bonus
  • Unemployment Insurance
  • FGTS (emergency or extraordinary withdrawals)
  • Payments for temporary government programs, such as the emergency aid.

Thus, CAIXA Tem centralizes various social transfers in a single application, making workers' lives easier.

How to check your balance in the app

After accessing your account, your balance will appear on the home screen. You can also click Extract to see all transactions made: transfers, payments, or withdrawals. This query is free and can be done as many times as you like.

How to withdraw benefits through CAIXA Tem

There are three main ways to withdraw available funds:

1. Cardless withdrawals at ATMs

  • In the app, click Cardless withdrawal.
  • Generate a withdrawal code, valid for a limited time.
  • Go to a Caixa ATM and select the corresponding option.
  • Enter the code and withdraw the amount.

2. Withdrawals at lottery outlets

  • Generate the code in the app.
  • Go to a lottery shop and tell the attendant the code.
  • Present your ID to complete the withdrawal.

3. Withdrawals at Caixa Aqui correspondents

  • The process is the same: generate the code, go to the correspondent and withdraw the money by presenting the document.

How to transfer amounts to another bank

If you prefer not to withdraw cash, you can transfer the amount to another bank account. The best way is to use Pix, as the transfer is instant and free.

The procedure is simple:

  • Access the Pix menu in CAIXA Tem.
  • Enter the Pix key (CPF, email, cell phone or random key).
  • Confirm the data and amount.
  • Complete the operation.

It is also possible to transfer via TED or DOC, but these options may take longer.

How to pay bills and invoices using the app

Bill payment is another useful feature of CAIXA Tem. Simply:

  1. Choose the option Pay your bills.
  2. Scan the barcode with your cell phone camera or enter the number manually.
  3. Confirm payment.

The amount is automatically debited from the available balance.

How to use the virtual debit card

In CAIXA Tem, you can also generate a virtual debit card for online purchases on websites and apps. It works like a regular card, with a number, expiration date, and security code, but is only used for digital purchases.

This feature is ideal for those who don't have a physical card and need to make payments in online stores.

Frequently asked questions about CAIXA Tem

1. Do I need to pay any fees to use the app?
No. CAIXA Tem is completely free and does not charge maintenance fees.

2. Can I move large amounts of money through the app?
The account has daily and monthly transaction limits. If you need larger amounts, it's best to transfer to another bank account.

3. Is it safe to use CAIXA Tem?
Yes. The app has security layers, such as passwords and SMS validation. Furthermore, all transactions are recorded on your statement.

4. What if I forget my password?
On the home screen, just click on “I forgot my password” and follow the steps to create a new one.

Advantages of using CAIXA Tem

  • Practicality: everything is done by cell phone, without queues.
  • Accessibility: even those who have never had a bank account can use it.
  • Integration with Pix: instant and free transfers.
  • Virtual card: possibility of secure online purchases.
  • Free: no maintenance fees.

Precautions to avoid scams

As the app became more popular, fraud attempts also emerged. To avoid falling for scams:

  • Download CAIXA Tem only from official stores (Google Play and App Store).
  • Do not provide your password or access code to third parties.
  • Be wary of WhatsApp or SMS messages asking for personal information.
  • Use only Caixa's official channels for inquiries.

Why use CAIXA Tem?

The app has established itself as the fastest and most convenient way to receive social benefits in Brazil. It eliminates bureaucracy, allows 24-hour consultations, and empowers workers to manage their funds however they choose.

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Published on September 5, 2025