O trabalhador formal que recolhe mensalmente para o FGTS (Fundo de Garantia do Tempo de Serviço) pode resgatar uma boa grana a partir deste mês. Desde o dia 1º, o Saque-Natalício está disponível para todos os nascidos em dezembro.
Leia mais: Que história é essa? Existe mais de um salário mínimo vigente no Brasil?
O prazo para realizar o resgate do moeda termina no último dia útil do segundo mês subsequente, ou seja, em 28 de fevereiro de 2023 para os aniversariantes de dezembro. Para quem quer sacar ainda neste ano, a adesão termina no próximo dia 30.
Saque-aniversário do FGTS: porquê funciona?
A modalidade instituída em 2019 autoriza o trabalhador a retirar secção do saldo de suas contas vinculadas do FGTS todos os anos, no mês de seu natalício. Em troca, ele abre mão de retirar o valor integral em caso de deposição sem justa justificação (saque-rescisão), mas mantém a multa de 40%.
O percentual de saque varia entre 50% e 5%, conforme a fita de saldo na qual o cotista se encontra. Aliás, o governo concede uma parcela suplementar fixa de até R$ 2.900. Confira na tábua:
| Faixas de saldo | Alíquota de saque | Parcela suplementar |
| Até R$ 500 | 50% | – |
| De R$ 500 até R$ 1 milénio | 40% | R$ 50 |
| De R$ 1 milénio até R$ 5 milénio | 30% | R$ 150 |
| De R$ 5 milénio até R$ 10 milénio | 20% | R$ 650 |
| De R$ 10 milénio até R$ 15 milénio | 15% | R$ 1.150 |
| De R$ 15 milénio até R$ 20 milénio | 10% | R$ 1.900 |
| Supra de R$ 20 milénio | 5% | R$ 2.900 |
Adesão à modalidade
Quem quiser aderir ao padrão deve fazer a mudança pelo aplicativo do FGTS ou pelo site fgts.caixa.gov.br, na opção “Saque-Natalício”. Depois de ler e concordar com os termos e condições, é só clicar em “Aderir ao saque natalício”. Também é verosímil realizar a adesão nas agências da Caixa Econômica Federalista.
Em caso de remorso, o trabalhador só pode retornar ao saque-rescisão depois o prazo de 24 meses. Se quiser continuar na modalidade tradicional, não é necessária nenhuma ação.
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