Wallets/caixa-tem
Caixa Tem (Caixa Econômica Federal)
0 standards supported
Overview
Caixa Tem is Caixa Econômica Federal's flagship state-owned banking app for Brazilian social benefits + low-income financial inclusion 1, 2, Brazil report. 2025 baseline: 40M+ active users — one of Brazil's most-used applications.
Distinctive Caixa Tem positioning 2, 3:
- Bolsa Família social-benefit access (Brazilian conditional cash transfer program)
- Pix transfers + payments + essential banking services
- Low-income population focus — distinctive Brazilian financial inclusion role
- Digital hub for social benefits + essential banking + credit + financial management tools in single environment
Caixa Tem 2025 evolution 3: Significant evolution with new versions including unprecedented functions + security improvements + bug fixes — e.g., account unlock via WhatsApp facilitating app access after changing devices.
History
April 2020 — Caixa Tem launched during COVID-19 pandemic 3 as channel for emergency aid disbursement (Auxílio Emergencial); rapid mass adoption to deliver COVID-19 emergency aid to tens of millions of Brazilians.
2020-2024 — Mass low-income adoption 2: Mass Brazilian low-income population financial inclusion via social-benefit disbursement.
2025 — 40M+ active users + Caixa Tem consolidated as digital hub 1 for social benefits + Pix + banking + credit + financial management.
May 2025 — Pix issues 4: Caixa Tem temporarily offline / Pix failure reported (techtudo coverage; service later restored).
Ownership & operator
Operating entity: Caixa Econômica Federal — Brazilian state-owned bank.
Major shareholders: União Federal (Brazilian Federal Government; sole shareholder) — Brazilian state-owned federal savings bank.
Regulators: BCB (Banco Central do Brasil).
Technical integration
| Layer | Description |
|---|---|
| Channels | Caixa Tem app (iOS + Android; Caixa Econômica Federal social-benefit channel) + WhatsApp integration (account unlock) |
| Identifiers | CPF + phone + social benefit ID (Bolsa Família + emergency aid) |
| BR rail | Pix (BCB Pix national instant payment) |
| License | Bank (Caixa Econômica Federal full Brazilian banking license; state-owned federal savings bank) |
| Sub-products | Caixa Tem digital savings account + Caixa Tem Pix + Caixa Tem Bolsa Família + Caixa Tem credit + Caixa Tem financial management + Caixa Tem payments + Caixa Tem auxílio emergencial (during COVID-19) |
| Distinctive social benefit focus: Bolsa Família + emergency aid + low-income population |
Users & growth
- 40M+ active users — one of Brazil's most-used applications
- April 2020 launch during COVID-19 pandemic for emergency aid (Auxílio Emergencial)
- Digital hub for social benefits + essential banking + credit + financial management tools in single environment
- Bolsa Família disbursement channel — Brazilian conditional cash transfer program
Use cases
Brazilian social benefit disbursement (Bolsa Família + emergency aid) + Pix instant transfers + payments + essential banking services + credit + financial management for low-income Brazilians via Caixa Tem app + WhatsApp integration.
Implementations & partners
Operator: Caixa Econômica Federal — Brazilian state-owned federal savings bank.
Major shareholder: União Federal (Brazilian Federal Government; sole).
Major Brazilian banking + state-bank competitors:
- Banco do Brasil (BB App) (BB; BR state-owned bank serving 70M+; oldest BR bank 1808; fellow state-bank)
- Itau Unibanco (Itaú Unibanco; BR's largest private bank + LatAm's largest by market value)
- Bradesco (Banco Bradesco) + Santander Brasil (BR Big-5 private banks)
- Nubank (NU Holdings; LatAm largest digital bank; 110M+ customers)
- PagBank / PagSeguro Digital (Batch 28 covered; PagSeguro)
- Mercado Pago (Mercado Pago BR; LatAm e-commerce leader)
Government partners: Ministry of Development, Social Assistance, Family and Combat against Hunger (Bolsa Família operator) + Ministry of Finance + Brazilian Federal Government (sole shareholder).
Regulator: BCB.
Fun facts
- 40M+ active users — one of Brazil's most-used applications.
- April 2020 launch during COVID-19 for emergency aid (Auxílio Emergencial) — distinctive pandemic-era Brazilian state-bank app launch.
- Bolsa Família disbursement channel — Brazilian conditional cash transfer program.
- Caixa Econômica Federal (state-owned federal savings bank) — Brazilian Federal Government sole shareholder.
- Digital hub for social benefits + essential banking + credit + financial management in single environment (2025 consolidation).
- Account unlock via WhatsApp — distinctive accessibility after device changes.
Comparison
| Feature | Caixa Tem | Banco do Brasil (BB App) (BR fellow state-bank rival) | Itau Unibanco (BR largest private bank rival) | Nubank (LatAm largest digital bank rival) | Bradesco (Banco Bradesco) (BR Big-5 private bank rival) |
|---|---|---|---|---|---|
| Operator | Caixa Econômica Federal (state-owned federal savings bank; União Federal sole shareholder) | Banco do Brasil S.A. (B3: BBAS3; Brazilian Federal Government majority + PREVI + B3 float) | Itaú Unibanco Holding S.A. (B3: ITUB4; NYSE: ITUB; IUPAR + Itaúsa + Moreira Salles + B3 float) | NU Holdings (NYSE: NU) | Bradesco (B3: BBDC3) |
| Type | BR state-owned Caixa Tem app for social benefits + low-income financial inclusion + Bolsa Família + emergency aid | BR state-owned bank serving 70M+; 200+ years presence | BR's largest private bank + LatAm's largest by market value | LatAm largest digital bank | BR Big-5 private bank |
| Country | Brazil | BR + 17+ countries | BR + 11 other countries | BR + MX + CO | Brazil |
| Users | 40M+ active users | 70M+ Brazilians served | ~60M customers worldwide; Nov 2025 R$460B (US$82B) market cap | 110M+ customers | Major BR |
| Distinctive | Apr 2020 launch during COVID-19 emergency aid (Auxílio Emergencial); Bolsa Família state-conditional-cash-transfer disbursement; low-income financial inclusion; digital hub for social benefits + essential banking + credit + financial management; WhatsApp account unlock; União Federal sole shareholder | 1808 founding by Prince Regent João VI (BR oldest bank; 200+ years); Jan 2025 first BR bank with full font personalization PCD | 1924 centennial 2024; Itaú + Unibanco 2008 merger; IUPAR + Itaúsa + Moreira Salles dual-family controlling | LatAm largest digital bank | BR Big-5 bank |
Status
Active, Brazil's flagship state-owned social-benefit + financial-inclusion app 1, 2:
- Caixa Econômica Federal — Caixa Tem launched April 2020 (COVID-19 emergency aid).
- 40M+ active users — one of Brazil's most-used applications.
- Bolsa Família + emergency aid + Pix + essential banking + credit + financial management in single environment.
- União Federal (Brazilian Federal Government) sole shareholder.
- BCB regulated.
Sources
- 1 Caixa Tem em 2025 — Seu Crédito Digital
- 2 Caixa Tem em 2025: taxas + custos + como usar — CadÚnico Brasil
- 3 Caixa Tem 2025: como atualizar o app — Seu Crédito Digital
- 4 Caixa Tem fora do ar Pix May 2025 — TechTudo
- Brazil report In-corpus:
reports/countries/BR-brazil.md
Source
Biography extracted from caixa-tem.md. See matrix.md for standards-support matrix if present.