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Your Caixa Tem won't open? Read the text and find out what it could be and how to resolve the situation!
Caixa Tem was the most downloaded app in Brazil in 2020, with more than 303.8 million downloads.
It currently has more than 100 million users, however, despite serving a smaller number than in 2020, it is still common to present many problems.
The application tends to give errors, especially during Bolsa Família (Auxílio Brasil) payment periods.
In today's text, you will find out what to do when the Caixa Tem does not open. Be sure to find different ways to solve the problem.
Caixa Tem does not open: main causes and solutions
Caixa Tem is the application through which millions of Brazilian families receive their main social benefits, such as Bolsa Família and Vale Gás.
Furthermore, it is possible to carry out transactions, take out loans and much more through it.
Due to the many accesses it receives per day, especially when families are receiving their benefits, it is very common for it to present instability.
Some can be easily resolved through small actions that can be carried out from home.
While others require the user to go to a lottery shop or Caixa agency to resolve the problem.
Find out below why Caixa Tem does not open and how to solve the main problems!
1. Error locating account in Caixa Tem
Calm down! Your account has not been deleted!
This is a very common error in the app and according to Caixa, it happens when several people try to access the system at the same time.
This ends up congesting the system and causing instability.
The bank's recommendation is that you wait and try to log in at another time, however, depending on the time of year, this problem may persist for days.
For example, as soon as the Auxílio Brasil Loan became available on the app, this error was very common and lasted for days.
The situation only improved days later.
This error may appear with other names such as: account not found and there was an error querying the available account.
2. Error 403 forbidden
In many cases, only the HTTP 403 error or the term forbidden will appear, however, it means the same thing.
This is another very common problem with the app, but it shouldn't be a cause for concern either.
This is because it also occurs when there is congestion in the system. Over time, everything returns to normal.
If the error persists for a day, you can update the application or go to a Caixa branch.
3. Allow first access
Some people also have difficulty accessing Caixa Tem for the first time, as it is necessary to authorize the first access.
Access the application and click on “Release Access”. A confirmation code will then be sent to your registered email or phone number.
Enter the verification code in the app and your account will be ready for transactions.
It is also common to block access for people who have been using the application for a long time. This can happen for several reasons, for example, when the account has been used on more than one device.
Furthermore, when you try to perform the same action several times in the app and it always fails, it is common for access to be blocked, as it can be identified as possible fraud.
The message will tell you to go to a Caixa agency to release access, however, if you have the cell phone number registered, you can unlock it at the lottery shop.
The cashier will ask for your CPF and send you a code via SMS. Tell him the code and then you will need to enter your app password on the machine.
That's it. Your app will be unlocked and ready to use again!
4. Tem box does not open
You know when an app doesn't open, it just keeps loading... loading?
It's not always a system problem, sometimes it could be weak internet.
First, check if your phone is connected to the internet and the signal is strong.
If that's not the problem, check if the app is up to date. A simple way to do this is by going to the Play Store and typing in the name of the app.
If it is out of date, you will be given the option to update. Update it and try accessing it again.
Caixa Tem won't open? What to do?
It is very common for the Caixa Tem application to present instability, some of which can even last for days. Most of this is a consequence of congestion in the system.
In other words, many people trying to use the application at the same time.
One tip is to avoid making transactions on the day of your Bolsa Família payment. For example, if you are going to receive your payment on the 28th, wait until the 30th to transfer the money.
If you are in a hurry, go to the lottery shop or use your debit card.
Weak internet and a cell phone with no space or a bad system can also cause the application to not work properly.
There are some applications that can be downloaded on simpler cell phones with little memory, however, they end up being very unstable and always giving errors when you use the app's services.
Therefore, check your device's internet and whether there is enough space on your cell phone to not interfere with the functioning of the Caixa Tem application.
There are many errors that can arise and they appear in different situations, for example: when generating a statement, making a Pix and paying a bill.
When the Caixa Tem does not open for days and nothing you do resolves the situation, the ideal thing is to go to a Caixa agency or lottery shop.
About the Caixa Tem app
With the Caixa Tem app, you can perform many transactions, in addition to receiving benefits. Among the actions allowed in the app, you can, for example:
- Make and receive money via Pix;
- Pay bills;
- Access content on financial education;
- Hire Insurance;
- Make withdrawals;
- Generate a virtual card;
- Pay with machines;
- Pay with the app at lottery outlets.
You can also take out loans and credit cards. Find out more about these products below.
Caixa Tem Credit Card
This financial product is exclusive to Caixa Tem app customers. With it, users can make purchases in cash or in installments.
For cash purchases, the customer can have up to 40 interest-free days to make the payment.
For installment purchases, it is possible to pay in installments with or without interest, but this may depend on the establishment where the purchase is made.
The card has no annual or monthly fees, meaning it is free! In addition, the additional card is also free.
Another advantage of the card is that it can be used for purchases in Brazil and abroad, both in physical stores and online stores.
See more advantages that the Caixa Tem credit card has:
- Discounts on Go with Visa;
- Access to the Elo Flex Platform and its benefits;
- Discount with Elo Offers;
- Access to the Caixa Cards application;
- Minimum accessible limit.
The card can be requested through the app. If this option does not yet appear in your app or if the Caixa Tem does not open, update the app and then your registration in the settings.
To make it easier to get your credit card approved, it is important to have a clean record and a good credit score.
Other than that, be sure to use the Caixa Tem app and debit or virtual card frequently.
It is essential to move your Caixa Tem account to increase your chances of passing the credit analysis.
Caixa Tem Loan
Caixa Tem has an exclusive loan for entrepreneurs. It is important to note that it has nothing to do with the Auxílio Brasil loan, and that it even began to be offered well before the payroll loan.
The Caixa Tem loan is intended for entrepreneurs, especially those who received Emergency Aid.
Values can vary between R$$300 and R$1,000, and installments can be made in up to 24 months, in the case of the entrepreneur.
The interest rate applied to this loan is 3.99% per month. The loan can be contracted through the Caixa Tem app in the “Loan” tab.
The MEI can request up to R$1,040,000 and pay in installments over up to 24 months. The interest rate applied is R$3,601,040 per month.
The loan has no bureaucracy or complications, even for entrepreneurs or MEI negative get approval.
However, among the rules for hiring, the applicant cannot have an accumulation of more than R$$3 thousand reais in bank debts.
Some requirements vary between MEI and PF Entrepreneurs, that is, those who do not have a CNPJ.
See below some of the main requirements for applying.
| Individual Entrepreneur | MEI |
| Accepts beneficiaries of Auxílio Brasil | Must have 12 months or more of activity/establishment as MEI |
| Have Caixa Tem savings and an updated registration | Have a legal entity account at Caixa |
| Pass the credit analysis | Pass the credit analysis |
| No need to prove income | Have annual revenue of less than R$1,400,000 |
| Hiring via the app | Hiring carried out at Caixa branches |
| Be in compliance with the Caixa Tem Loan rules | Be in compliance with the Caixa Tem Loan rules |
Conclusion
Caixa Tem does not open?
After reading this text, you know exactly what to do in this situation.
In addition, you discovered how Caixa Tem Loans and Credit Cards work. Did you like the content? Sign up with your email to receive more news!
