Withdraw your PIS PASEP today

Many people don't know, but there are still forgotten amounts in accounts linked to PIS PASEP, kept in the name of workers and employees who worked between 1971 and 1988This money belongs to the citizen and can be withdrawn at any time, as long as they know how to check and request the withdrawal.

The problem is that, due to a lack of information, thousands of Brazilians still haven't verified whether they're entitled to this balance. In this blog post, you'll learn in detail what PIS PASEP is, who can withdraw it, how to check if there's an available amount, and the complete step-by-step guide to withdrawing the money today.

What is PIS PASEP?

O PIS (Social Integration Program) was created for private sector workers, while the PASEP (Public Servant Equity Formation Program) was intended for public servants.

Until 1988, companies and public agencies made contributions on behalf of their employees, forming an individual asset. With the Constitution of that year, the new contributions were directed to Severance Indemnity Fund (FGTS), but the existing quotas remained in the name of the workers.

In other words, anyone who worked formally during this period may have accumulated money to this day.

Who is entitled to withdraw PIS PASEP?

You can request a withdrawal:

  • Private sector workers who had a formal employment contract between 1971 and 1988.
  • Public servants who contributed to PASEP during the same period.
  • Heirs or dependents of deceased persons who did not withdraw their shares.

It's worth noting that you don't need to be currently employed to be eligible for withdrawals. Even those who have already retired can check and withdraw funds.

What is the difference between PIS PASEP and salary bonus?

It is common to confuse the PIS PASEP with the salary bonus. But the two are different:

  • Salary bonus: Paid annually to employees who worked in the base year, with a formal employment contract and a salary of up to two minimum wages. The amount can reach one minimum wage per year.
  • PIS PASEP Quotas: amounts accumulated between 1971 and 1988, which have no specific term and can be withdrawn at any time.

While the benefit follows an annual calendar, PIS PASEP is money that can be held in the worker's name for decades.

How do I check if I have a balance in PIS PASEP?

The first step is to check if you actually have funds available. The check can be done simply:

  • PIS (Federal Savings Bank): through the Caixa website, application Caixa Tem or FGTS, in addition to physical agencies.
  • PASEP (Bank of Brazil): through the Banco do Brasil app or website, and also at branches.
  • Gov.br: On the official portal, you can check values linked to your CPF.

Simply enter your CPF, NIS, or PASEP number. If you have a balance, the system will display the details.

Step by step guide to requesting a PIS PASEP withdrawal

Now that you know who is eligible, see the complete step-by-step guide to withdrawing funds today:

1. Make the query

Access the Caixa, FGTS, or Banco do Brasil apps and enter your details. Alternatively, visit a branch with your ID and CPF.

2. Gather the necessary documents

Have on hand:

  • Identity document (RG or CNH).
  • CPF.
  • Work permit (if available).
  • PIS/PASEP number.
  • For heirs: death certificate of the holder and documents proving the relationship (marriage certificate, birth certificate or inventory).

3. Go to the responsible bank

  • Federal Savings Bank: Serves workers with PIS balances. Withdrawals can be made at branches, lottery outlets, Caixa Aqui correspondents, or ATMs.
  • Bank of Brazil: responsible for PASEP balances, which can be withdrawn in person or requested via the app.

4. Choose the withdrawal method

Money can be withdrawn in cash, transferred to another bank account or transferred through the app.

5. For heirs

In the event of the owner's death, the heirs must present documentation proving their right to withdraw. After the bank's analysis, the funds are released.

Is there a deadline to withdraw PIS PASEP?

No. Since 2020, the government has permanently authorized withdrawals. This means the funds are available for withdrawal at any time, with no specific timetable.

Even so, the sooner you make the appointment, the better. After all, it could be a significant sum of money to boost the family budget.

How much can I receive?

The amounts vary according to the contribution period and deposits made between 1971 and 1988. In addition, the quotas were updated with monetary corrections and earnings over the years.

Many workers end up being surprised to discover larger amounts than they imagined.

Be careful not to fall for scams

With the increase in demand, scammers have started using the topic to deceive people. To avoid falling victim:

  • Consult only on official websites: Caixa, Banco do Brasil and Gov.br.
  • Do not click on links received via SMS or WhatsApp promising quick consultation.
  • Never share your password or personal information with third parties.
  • Remember: withdrawal is free, there are no fees.

How to use the redeemed amount?

Finding forgotten money is always good news. But it's important to plan how to use this resource. Here are some ideas:

  • Pay overdue debts.
  • Build an emergency fund.
  • Invest in safe investments, such as CDBs or Tesouro Direto.
  • Allocate to a personal project, such as education or home renovation.

How you use it depends on your situation, but the ideal is to prevent the value from being lost again.

Why consult today?

Many people still don't know they're eligible for withdrawal. In some cases, the funds may have been sitting there for over 30 years, just waiting for a request.

Checking today is a guarantee that your money won't be forgotten. Plus, with the earnings, the amount could be more than you imagine.

See also: How can a teacher make money online?

Published on September 5, 2025