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With the coronavirus health crisis, the Caixa Tem app came into existence. Created to facilitate the distribution of Emergency Aid by Caixa Econômica Federal, it underwent remodeling after the government program ended, adding a range of new features.
Currently, many users of this digital platform are unaware of the extent of the options available. As a result, they miss the opportunity to use many useful features associated with Caixa Tem products and services.
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People often see the app as a channel for distributing Bolsa Família and other social benefits. However, it offers much more than that. In the following sections, we will reveal some features that may be unknown to many.
Features offered by Caixa Tem
The Caixa Tem app offers more than 25 unique features. To use them, users need to keep the app updated to the latest version (1.78). To do this, they need to visit the Google Play Store or the App Store and download the update.
Read also: Bolsa Família: New loan options available through Caixa Tem
Some products and services require updating the customer's registration details, such as:
- Personal information;
- Income;
- Residential address;
- Among others.
In addition, it is essential that users understand the limits established by Caixa for transactions: R$ 600 per transaction, R$ 5,000 per day, and R$ 10,000 per month.
List of features
Here is the list of all features available on Caixa Tem:
- Unemployment insurance assistance;
- Salary bonus;
- Debt negotiation;
- Mobile phone top-up;
- Family Support Insurance;
- Issuance of the income report;
- Rapidex Services;
- Updating registration details;
- Caixa Para Elas;
- Loans;
- Housing financing through Caixa;
- Credit card;
- Bolsa Família Program;
- Cash withdrawal without a card;
- Cash deposit;
- Virtual debit card;
- Transfers;
- Pix;
- Personal Social Identification Number (NIS);
- Transaction statement;
- Financial tips;
- Receipt inquiry;
- Payment at lottery outlets;
- Payment at self-service terminals;
- Bill payment;
- Open Finance.
How to apply for a loan through Caixa Tem
Caixa Econômica Federal offers a microcredit option called Crédito CAIXA Tem, also known as the Digital Microcredit Simplification Program for Entrepreneurs (SIM Digital). This credit service is intended for Individual Entrepreneurs (informal) and Individual Microentrepreneurs (MEI) who intend to start or expand their businesses. To apply for the loan, the entrepreneur must have at least 12 months of activity registered with a CNPJ.
Legal Entity Entrepreneurs (PJ) can apply for loans of up to R$ 3,000, payable in 18 to 24 installments, with interest rates starting at 1.99% per month. On the other hand, Individual Entrepreneurs (PF) can apply for loans of up to R$ 1,000, with interest rates ranging from 2.99% to 3.60% per month. They can also choose a repayment period of between 18 and 24 months.
The loan funds can cover expenses such as:
- Suppliers;
- Employee salaries;
- Basic utility bills and rent;
- Acquisition of raw materials and goods for resale;
Among others.
Who can apply for the credit
Read also: Bolsa Família Withdrawal Without Documents Shocks Brazilians
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To be eligible for the loan – Crédito CAIXA Tem, the applicant must meet the following criteria:
- Individuals who wish to start or expand their business, including beneficiaries of the social digital savings platform;
- Have bank debts of up to R$ 3,000 as of 01/31/2022, excluding housing financing and unused limits;
- Keep their registration data updated in CAIXA Tem;
- Have a Poupança CAIXA Tem account;
- Undergo credit analysis;
- Accept the Loan rules.
For Individual Microentrepreneurs (MEI), the additional criteria include:
- Have been operating/established as an MEI for 12 months or more;
- Have annual revenue below R$ 81,000;
- Have bank debts of up to R$ 3,000 as of 01/31/2022, excluding housing financing and unused limits;
- Have a CAIXA corporate account;
- Undergo credit analysis;
- Accept the Loan rules.
Please note that individuals or Individual Microentrepreneurs (MEI) who have loans or financing with banks or financial institutions exceeding R$ 3,000 as of January 31, 2022, are not eligible to apply for the credit. However, real estate financing contracts and unused overdraft and credit card limits do not count toward this criterion.
