Since November 2025, Brazilian workers have had a new way to access part of the balance of the Guarantee Fund for Length of Service (FGTS) annually. From this date, it is possible to advance up to five installments of the FGTS birthday withdrawal in a single operation, which can help in personal financial planning.
Nubank offers this service directly through its application, making it easier to request the advance. The amount released is paid based on the user’s available FGTS balance, ensuring support for the loan. Thus, the bank offers interest rates considered low compared to other forms of credit.
The advance of the birthday withdrawal is presented as an alternative to avoid commitment with bills or monthly installments that may burden the budget. In this way, the anticipated amount can be used to pay off debts with high interest rates, contributing to the improvement of the worker’s financial health.
This loan modality allows the consumer to reorganize their finances by using future FGTS resources. Meanwhile, Nubank proposes this offer as part of Nu Explica, a series of educational content aimed at making the understanding and use of financial products and services in daily life more accessible.
The operation presents itself as a practical and transparent option for those who wish to use the FGTS balance before the traditional withdrawal date. Finally, the next step for those who choose this solution involves monitoring the release through the Nubank app, where the contracting and payments are managed digitally and swiftly.
