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The Caixa Tem application was launched in 2020 by Caixa Econômica Federal with the aim of enabling access to financial and social services from the federal government.
Through it, it is possible to receive social benefits such as Bolsa Família and emergency aid, in addition to paying bills and bank transfers.
The main purpose of the Caixa Tem app is to provide a simple and accessible digital solution for low-income people who do not have a conventional bank account.
What are the benefits of the Caixa Tem app?
Ter uma conta no Caixa Tem traz diversas vantagens. Além disso, algo que nem todos sabem é que qualquer cidadão pode criar uma conta no aplicativo Caixa Tem, independentemente de receber benefícios assistenciais ou não, portanto todos podem aproveitar os benefícios!
1 – Income from account balance
Leave the money in the box has for more than 30 days can bring financial advantages, as a result of the account's income.
To this end, the account balance yields according to the savings interest rate, which is currently 70% of the Selic Rate. Furthermore, savings are linked to the Reference Rate, which has been at zero since September 2017.
So, for example, if a beneficiary of emergency aid leaves R$50.00 in the Caixa Tem app account for 30 calendar days, they can obtain an income of 18 cents, totaling R$50.18.
This possibility of income can be an interesting option for those who use the application, especially for those who need to save money in the short term.
2 – Anticipation of the FGTS Birthday Withdrawal
Caixa Tem users can count on several loan options, including advancing up to three periods of the FGTS Anniversary Withdrawal. This alternative offers benefits such as speed, ease and absence of bureaucracy.
To access this service, simply select the “Birthday Withdrawal Loan” conversation within the application and follow the instructions indicated.
A great advantage of this modality is that users can take out the loan without having to go to a physical Caixa branch, as the entire transaction is carried out online.
It is worth mentioning that, to request the Advance, it is necessary to update the registration in the application, if the user does not yet have a Caixa Tem Savings Account.
3 – Housing directly in the Caixa Tem application
With Caixa Tem, users have the convenience of managing their housing contract directly through the application. This option offers several benefits, such as the possibility of consulting a summary of the contract and outstanding or due installments.
Additionally, users can choose to pay their installment directly through the app, as long as the amount is up to R$1,200.00, or generate a payment slip for payment through other channels, such as an ATM, lottery or other bank.
This payment option provides convenience and ease for users, who can resolve their financial issues quickly and safely, without having to leave home.
In short, Housing directly in the Caixa Tem app is a practical and efficient alternative for users to manage their contracts.
4 – Virtual debit card
Caixa Tem offers users the option of having a virtual debit card, which is a practical and safe way to carry out financial transactions.
With it, users can make online purchases at establishments that accept the Elo brand, in addition to being able to make payment slips and money transfers through the app.
The virtual debit card is a safer alternative to using a physical card for online purchases, as it avoids exposing the card number.
Furthermore, it is possible to generate a new virtual debit card whenever necessary, further increasing the security of transactions. In summary, the virtual debit card at Caixa Tem is a practical and safe option for carrying out financial transactions in a convenient and efficient way.
5 – Loans at Caixa Tem
Crédito Caixa Tem is a digital 100% microcredit program aimed at low-income people who wish to apply for loans of R$300 to R$1,000.
It is an easily accessible credit option, focused on helping individuals cover their debts and entrepreneurs to boost their businesses.
At Caixa Tem, the user can choose between the Personal or Productive modalities, intended for personal expenses or businesses, respectively.
Although there are restrictions for those who receive Bolsa Família or are negative, the loan will be available to any user with an updated registration. The service will be available according to the person's month of birth.
Questions about the Caixa Tem app? Leave it below in the comments!
