Find out all about the Caixa Tem app and all its advantages and functionalities, which can be accessed directly from your mobile phone.
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Caixa Tem is a Caixa Econômica Federal app that emerged during the pandemic to facilitate the payment of Emergency Aid and other benefits. It offers a free digital account that allows users to carry out various banking operations directly from their mobile phones.
The main purpose of creating Caixa Tem was to facilitate access to digital accounts for low-income populations and beneficiaries of social programmes, thus simplifying the receipt and management of all payments in a single place.
The main advantage of Caixa Tem is the centralisation of payments, where benefits such as Bolsa Família, Gas Aid, FGTS and Unemployment Insurance are deposited directly into the account, providing convenience for beneficiaries.
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It's important to note that once you are a beneficiary of a government social programme, your digital account is created automatically, which makes the process even simpler and more accessible. So, with just your details in hand, you can already access your benefits.
Although it was initially designed to cater for a specific group of users, it's important to note that the application is available to anyone who wants to open an account and take advantage of all its features.
This means that, regardless of your financial situation or whether or not you are a beneficiary of social programmes, Caixa Tem offers you the opportunity to access a free digital account and take advantage of its various functionalities.
To access the app and its functionalities, simply download the official app and complete the registration process, making this free digital account an inclusive and effective solution for meeting the financial needs of a wide range of users.
Learn more about the Caixa Tem app and find out whether or not you are eligible for any of the benefits that are deposited directly into the Digital Social Savings account. Read on!
Quick index
What is Caixa Tem?
Caixa Tem is a Caixa Econômica Federal app that was created during the pandemic to facilitate the payment of Emergency Aid to beneficiaries. The platform was developed as a free digital account for daily use. And, as time went by and more and more users started using it, Caixa Tem underwent updates and improvements.
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Currently, the premise of Caixa Tem is to make it easier for all Brazilians to access banking services and transactions. In other words, in the same app, users have access to a free digital account, can make and receive PIX, save, pay bills, recharge mobile phones, take out loans and other services.
As well as being an account available to all Brazilians, Caixa Tem is also a platform that operates in collaboration between Caixa Econômica Federal and the Federal Government, enabling a series of benefits, such as Brazil Aid, Vale Gás, salary allowance, FGTS, unemployment insurance and various other services.
How the Caixa Tem app works
The Caixa Tem app works like a digital bank and allows users to carry out banking operations directly from their mobile phones, including checking their balance, paying bills, making transfers and accessing social benefits.
One of its main features is that it is a Digital Social Savings account, i.e. created for social benefit payments, opened automatically for eligible beneficiaries and managed by Caixa Tem.
This application from Caixa Econômica Federal makes it easier to access government services, but it can be used by anyone who wants to access this account.
Benefits paid with Caixa Tem
As it operates in collaboration between Banco Caixa and the Federal Government, government benefits and programmes are paid directly into the beneficiary's Caixa Tem account. Below you will find information on the payments that are credited to the Caixa Tem account and whether you are entitled to any of them.
Bolsa Família
Under the new government, the programme, which used to be called Auxilio Brasil, was renamed Bolsa Família and received some updates and criteria for participation.
The monthly benefit of R$ 600 for each beneficiary can now be increased by R$ 150 per child up to the age of 6, R$ 50 for each dependent aged between 7 and 18, and R$ 50 for pregnant women.
Remember that it is necessary to fulfil the minimum income requirements, complete the child's vaccination card, prove school attendance, and for pregnant women, carry out the prenatal care correctly. See more details about New Bolsa Família.
The beneficiary receives the full amount to which they are entitled each month in their Caixa Tem account.
Vale Gas
The benefit is still paid out in the same way as in previous years, i.e. the government covers half the total value of a 13kg gas cylinder. This means that, on average, the amount deposited in the Caixa Tem account is R$ 52.
It's important to note that even if you are entitled to other benefits, you are still entitled to receive Vale Gás as an additive.
FGTS
Although it is not a monthly benefit, when withdrawals occur, the FGTS amount is deposited directly into the Caixa Tem account for those who do not have a Caixa Econômica Federal account.
This means that in situations where extraordinary withdrawals are released (not exceeding R$ 1,000.00) and for those who have opted for birthday withdrawals and receive amounts in the month of their birthdays, the money is automatically directed to this account, which is created automatically for this purpose.
Unemployment Insurance
Unemployment insurance is available to Brazilians who have been dismissed without just cause and need a monthly income while they look for new job opportunities.
To obtain unemployment insurance, you must obtain authorisation from your last employer and provide proof of information to the Caixa Econômica Federal.
If the application is approved, the funds are deposited as a priority in a free digital savings account, which can be Caixa Tem, unless another account has been specified. The choice is up to the beneficiary!
Functionalities in Caixa Tem
Although it may seem like a bank account like any other, it's important to emphasise that this one is much more accessible and convenient. Often, users don't even have to worry about opening the account, as it is created automatically as soon as a benefit is authorised for their CPF, for example.
The only requirement is to download the application onto your mobile phone, confirm your details to obtain an account number and branch, and then carry out transactions via your mobile phone. Withdrawals can be booked at Caixa Econômica Federal branches. Learn about the main functionalities of the Caixa Tem app:
Banking Services
At Caixa Tem you can carry out a wide range of banking services free of charge. This way you can:
- Pay boletos online;
- Paying bills;
- Topping up your mobile phone;
- Making and receiving PIX;
- Making bank transfers;
- Schedule payments at lottery shops;
- Make online purchases with the virtual debit card;
- Consult statements;
- Loans;
- And much more.
Salary Allowance
If you are entitled to the Salary Allowance, you should know that you can check the payment schedule directly on Caixa Tem, via the chat available on the app.
Consultation through the app has been made so easy that when you check the timetable, in the same chat you are informed whether you have any amounts to receive or not. And you can make this enquiry at any time of the day.
NIS information
In order to receive benefits from the Federal Government, such as Bolsa Família for example, you need to have a NIS, which is nothing more than a Social Registration Number. If you don't know your NIS or how to activate it, the Caixa Tem app offers a specific function to help you with this.
Remember that the NIS plays a fundamental role in organising benefit payments and is used by the government to set payment dates.
Bolsa Família
Although the Bolsa Família Programme has an app available for this benefit, you can access all the information through the Caixa Tem digital savings account.
All you have to do is select the Bolsa Família option to check if you are entitled, get details of the current schedule and find out how to secure the benefit if you haven't already done so.
Who can have Caixa Tem
Despite being an account intended to facilitate government social programmes, Caixa Tem is a free digital account and anyone can access it and take advantage of its features at no cost.
Remember that access to social benefits is only possible for those who are beneficiaries, but all the other functionalities of the account are available to all the bank's customers.
Important! You don't have to be a Caixa Econômica Federal account holder to access Caixa Tem.
How to access the Caixa Tem App
To access the Caixa Tem application, simply follow these steps:
- Download the app on your mobile phone and validate your registration if your account hasn't been opened automatically.
- Make sure you download the app from a trusted app shop with the gov.br certificate to avoid scams. (Or go to the official website)
- Once you've registered, check your details, such as your branch and account number, and start using your account.
- If you prefer, request a free physical card to make transactions at Caixa branches.
- Remember that anyone, even if they don't benefit from social programmes, can hold a Caixa Tem account free of charge.
- Keep your numeric password to hand and, if your mobile phone has digital recognition, activate this option to guarantee the security of your data.
- Once you've created an account, you can take advantage of all its features
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Is it worth having a Caixa Tem account?
Caixa Tem is a versatile banking tool that emerged during the pandemic to simplify access to social benefits and financial services, especially for the low-income population and beneficiaries of government programmes.
As mentioned, its main advantage lies in the centralisation of payments, including benefits such as Bolsa Família, Gas Aid, FGTS and Unemployment Insurance, which are deposited directly into the account, offering convenience to beneficiaries.
What's more, the account creation process is automatic for beneficiaries of social programmes, making it accessible and uncomplicated. And for non-beneficiaries, simply download the app and register to create a free digital account.
In summary, having a Caixa Tem account can be advantageous for beneficiaries and those looking for a free digital account. However, it's important to assess your real needs before deciding whether or not to open a Caixa Tem account.
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