100+ Free Caixa Técnico Bancário Novo Practice Questions

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2026 Statistics

Key Facts: Caixa Técnico Bancário Novo Exam

60 Questions

Official exam length (25 Basic + 35 Specific MCQs)

Fundação Cesgranrio / Caixa Edital

4h 30m

Total examination duration including the redação

Fundação Cesgranrio

R$ 50,00

Official candidate registration fee

Caixa Econômica Federal

50% + 70/100

Passing standard (50% on MCQs and 70 points on redação)

Fundação Cesgranrio

Ensino Médio

Required minimum education qualification

Caixa Econômica Federal

Caixa Técnico Bancário Novo tests retail and social banking candidates in a 4.5-hour session with 60 MCQs and an essay, covering banking operations, FGTS/housing, math, and customer service under Cesgranrio editais. This page provides 100 free English-language practice MCQs adapted from the official syllabus.

Sample Caixa Técnico Bancário Novo Practice Questions

Try these sample questions to test your Caixa Técnico Bancário Novo exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Within the architecture of the Brazilian National Financial System (Sistema Financeiro Nacional — SFN), which body serves as the supreme normative authority responsible for establishing monetary and credit policies, fixing inflation targets, and regulating the operation of financial institutions?

A.Banco Central do Brasil (BACEN)

B.Conselho Monetário Nacional (CMN)

C.Comissão de Valores Mobiliários (CVM)

D.Caixa Econômica Federal (CEF)

Explanation: The National Monetary Council (Conselho Monetário Nacional — CMN) is the highest normative deliberative body of the SFN (Law 4.595/1964). It sets macroeconomic guidelines, inflation targets, monetary policy directions, and general financial system rules, whereas BACEN acts as the primary executive and supervisory authority.

2Regarding the legal nature and corporate constitution of Caixa Econômica Federal, what is its correct classification under Brazilian administrative and corporate law (Decree-Law 759/1969 and Law 13.303/2016)?

A.A mixed-capital company (sociedade de economia mista) with publicly traded shares on B3, controlled by the Federal Union.

B.A 100% state-owned public company (empresa pública federal) with 100% of its equity capital owned by the Federal Union, endowed with legal personality under private law.

C.A federal autarchy (autarquia federal) with public-law personality linked directly to the Ministry of Justice.

D.A public financial foundation (fundação pública de direito privado) dedicated exclusively to non-profit social programs.

Explanation: Caixa Econômica Federal is established by Decree-Law No. 759/1969 as a federal public company (empresa pública unipessoal) with 100% of its capital held exclusively by the Union. It possesses legal personality under private law and has its own assets and administrative autonomy.

3Under Law No. 8.036/1990, what is the statutory role of Caixa Econômica Federal in relation to the Guarantee Fund for Time of Service (Fundo de Garantia do Tempo de Serviço — FGTS)?

A.Normative Council establishing overall investment guidelines and asset allocation limits.

B.Exclusive Operating Agent (Agente Operador) responsible for centralizing accounts, issuing statements, managing operational systems, and executing Curatorship Council guidelines.

C.Primary supervisory auditor acting independently of the Ministry of Labor.

D.Private commercial distributor charging market-based interest spreads on employee balances.

Explanation: Pursuant to Article 7 of Law 8.036/1990, Caixa Econômica Federal is the designated Operating Agent (Agente Operador) of FGTS. It maintains the centralized individual linked accounts, provides account statements, administers withdrawals, and manages the fund's operational financial assets under the directives of the FGTS Curatorship Council (Conselho Curador do FGTS).

4An employee opt-in to the FGTS 'Saque-Aniversário' (Birthday Withdrawal) modality under Law 13.932/2019. If this employee is subsequently dismissed without just cause (demissão sem justa causa), what are the legal consequences regarding FGTS withdrawal rights?

A.The worker can withdraw the full balance of the FGTS account as well as the 40% constitutional compensatory fine.

B.The worker can withdraw only the 40% compensatory termination fine; the remaining principal balance remains locked in the FGTS account, subject to yearly anniversary withdrawals.

C.The worker loses all rights to the 40% fine and can only access funds through retirement.

D.The worker automatically reverts to the Saque-Rescisão regime with immediate full account liquidation.

Explanation: Under Law 13.932/2019, choosing the Saque-Aniversário disables the right to withdraw the total account balance upon dismissal without cause (Saque-Rescisão). However, the employee retains the right to withdraw the 40% constitutional penalty fine (multa rescisória) paid by the employer.

5Under Law No. 7.998/1990 and constitutional provisions, what is the primary qualification criterion for a private-sector formal worker to receive the PIS Salary Bonus (Abono Salarial) operated by Caixa Econômica Federal?

A.Must have at least 1 year of continuous formal employment and earn up to 5 minimum wages per month.

B.Must be registered in PIS for at least 5 years, have worked formally for at least 30 days in the base year, earned an average monthly wage up to 2 minimum wages, and had data correctly reported in RAIS/eSocial.

C.Must be unemployed at the time of bonus payment and have dependents under 14 years old.

D.Must hold an active housing loan with Caixa Econômica Federal and possess a continuous savings balance.

Explanation: To qualify for the Abono Salarial PIS: (1) registered in PIS/PASEP for at least 5 years; (2) employed by a legal entity for at least 30 days during the base year; (3) average monthly remuneration up to 2 national minimum wages; and (4) information correctly declared by the employer in RAIS or eSocial.

6Which account type created by Law No. 14.075/2020 is automatically opened by Caixa Econômica Federal to disburse federal social welfare benefits (such as Bolsa Família and Pé-de-Meia) and operationalized primarily through the Caixa Tem application?

A.Poupança Social Digital (Digital Social Savings Account)

B.Conta Corrente de Livre Movimentação com Limite de Crédito

C.Conta de Depósito a Prazo Fixo Vinculada

D.Conta Especial de Investimento em Renda Fixa

Explanation: Law 14.075/2020 instituted the Poupança Social Digital, an electronic savings account opened simplifiedly and without fees for receiving federal, state, and municipal social benefits, salary bonuses, and emergency disbursements, accessed primarily via Caixa Tem.

7In the Brazilian real estate financing framework, what is a fundamental legal and operational characteristic of the Housing Financial System (Sistema Financeiro da Habitação — SFH) established by Law 4.380/1964?

A.It allows unrestricted freely negotiated interest rates above 25% per year without any ceiling on property valuation.

B.It is funded primarily by resources from SBPE (savings deposits) and FGTS, subject to statutory property valuation ceilings and maximum interest caps, and permits the use of buyer FGTS balances.

C.It is exclusively restricted to commercial office buildings and high-end industrial real estate development.

D.It eliminates the requirement for mortgage guarantees or fiduciary alienation on financed residential assets.

Explanation: The SFH (Sistema Financeiro da Habitação) utilizes funds from savings accounts (SBPE) and FGTS. It is subject to CMN regulations setting maximum property appraisal values (e.g., R$ 1.5 million) and nominal interest rate ceilings (12% p.a.), permitting borrowers to use their FGTS balances for down payments and amortization.

8Created by Law No. 9.514/1997, how does the Real Estate Financing System (Sistema de Financiamento Imobiliário — SFI) differ from the traditional SFH?

A.SFI operates based on market conditions with freely negotiated terms, financing properties that exceed SFH caps or commercial assets, and enabled the widespread use of Alienação Fiduciária and Real Estate Receivables Certificates (CRI).

B.SFI is managed exclusively by the Ministry of Cities and prohibits private commercial banks from participating.

C.SFI is funded exclusively by the federal budget (Orçamento Geral da União) and provides full non-repayable subsidies.

D.SFI transactions are strictly forbidden from demanding any collateral or insurance coverage.

Explanation: Law 9.514/1997 established the SFI to complement the SFH by tapping capital markets through securitization (CRI, LCI) and freely negotiated contracts without SFH regulatory ceilings. It also introduced the robust legal framework of Alienação Fiduciária de Coisa Imóvel.

9In the execution of the Minha Casa, Minha Vida (MCMV) housing program, what role does Caixa Econômica Federal primarily play in Faixa 1 (lowest income bracket) projects funded by the Residential Leasing Fund (Fundo de Arrendamento Residencial — FAR)?

A.Passive broker acting merely as an escrow agent without project analysis.

B.Financial, operational, and managing agent responsible for analyzing technical feasibility, contracting civil construction companies, monitoring building progress, and signing beneficiary contracts.

C.Private equity partner taking a permanent 50% equity stake in completed housing units.

D.Judicial receiver authorized to sell subsidized units on the open stock exchange.

Explanation: Caixa is the official managing and financial agent of FAR within the MCMV program. It evaluates project engineering and architectural viability, manages disbursements to contractors as construction milestones are met, and oversees beneficiary eligibility and contract formalization.

10Under Law No. 9.514/1997, what legal effect does the constitution of an Alienação Fiduciária (Fiduciary Alienation) have on a financed real estate property?

A.The borrower transfers direct possession (posse direta) to the bank, keeping resolvable legal ownership (propriedade resolúvel) until default.

B.The borrower (fiduciante) transfers resolvable legal ownership (propriedade resolúvel) and indirect possession to the creditor (fiduciário), retaining direct possession of the property as long as loan installments are paid.

C.The creditor acquires unconditioned, definitive title immediately with no obligation to hold public auctions upon default.

D.The contract constitutes merely a personal unsecured promise without any real encumbrance on the property registry.

Explanation: In Alienação Fiduciária, the debtor (fiduciante) conveys resolvable ownership (propriedade resolúvel) and indirect possession of the asset to the creditor (fiduciário) as security. The debtor retains direct possession (posse direta). Upon full repayment, ownership automatically consolidates back to the debtor.

About the Caixa Técnico Bancário Novo Exam

The Caixa Econômica Federal Técnico Bancário Novo (TBN) examination is the flagship national entrance competition administered by Fundação Cesgranrio for the state-owned financial institution Caixa Econômica Federal. As Brazil's premier federal public bank, Caixa serves as the primary government agent for public policies, social benefits administration (Bolsa Família, PIS, FGTS), real estate credit (Sistema Financeiro da Habitação - SFH), and national lotteries, alongside full-service commercial banking. The official exam tests 60 multiple-choice items and an argumentative essay. Syllabus areas encompass the National Financial System (SFN), financial guarantees and banking products, housing finance and social development funds, customer service under the Código de Defesa do Consumidor (CDC), ethics and corporate compliance, digital banking channels, financial mathematics, and descriptive statistics.

Assessment

4 hours 30 minutes: 25 Basic Knowledge MCQs (Portuguese, English, Financial Math, Stats, Compliance), 35 Specific Knowledge MCQs (Banking Knowledge, IT/Digital, Digital Behaviors, Banking Service), and 1 Redação

Time Limit

4 hours 30 minutes

Passing Score

50% overall (minimum 50% in Basic Knowledge and 50% in Specific Knowledge modules, non-zero in all subjects, and >= 70/100 points in redação)

Exam Fee

R$ 50,00 (Caixa Econômica Federal (Organized by Fundação Cesgranrio))

Caixa Técnico Bancário Novo Exam Content Outline

30%

Conhecimentos Bancários (Banking Operations & SFN)

Structure of the SFN (CMN, BACEN, CVM, financial institutions), Caixa's statutory role as a federal public company, social programs and funds management (FGTS, PIS, Seguro-Desemprego, Bolsa Família), real estate financing (SFH, SFI, Minha Casa Minha Vida), guarantees (aval, fiança, alienação fiduciária), anti-money laundering (Lei 9.613/1998, COAF), and banking secrecy rules (LC 105/2001).

25%

Atendimento Bancário e Legislação (Customer Service & CDC)

Consumer protection in financial services (Código de Defesa do Consumidor - CDC Lei 8.078/1990, Súmula 297 STJ), banking customer service standards, accessibility legislation (Lei 13.146/2015), Ouvidoria standards (Res. CMN 4.860/2020), General Data Protection Law (LGPD Lei 13.709/2018), conflict resolution, and quality in public services.

20%

Matemática Financeira e Noções de Probabilidade e Estatística

Simple interest, compound interest, nominal and effective rates, equivalent interest rates, discounted cash flows, annuities, loan amortization systems (SAC and Tabela Price), measures of central tendency (mean, median, mode), measures of dispersion (variance, standard deviation), and fundamental probability rules.

15%

Comportamentos Éticos, Compliance e Segurança Digital

Public integrity, corporate governance, Caixa's Code of Ethics and Conduct, anti-corruption legislation (Lei 12.846/2013), conflict of interest prevention (Lei 12.813/2013), internal controls (Res. CMN 4.968/2021), information security policies, cyber incident prevention, and digital hygiene in financial systems.

10%

Tecnologia da Informação, Canais Digitais e Línguas

Digital banking channels (Caixa Tem, Internet Banking, Mobile Banking), electronic payment ecosystems (PIX, Open Finance), digital behaviors and customer experience, Portuguese language text interpretation, and English reading comprehension in professional banking contexts.

How to Pass the Caixa Técnico Bancário Novo Exam

What You Need to Know

Passing score: 50% overall (minimum 50% in Basic Knowledge and 50% in Specific Knowledge modules, non-zero in all subjects, and >= 70/100 points in redação)
Assessment: 4 hours 30 minutes: 25 Basic Knowledge MCQs (Portuguese, English, Financial Math, Stats, Compliance), 35 Specific Knowledge MCQs (Banking Knowledge, IT/Digital, Digital Behaviors, Banking Service), and 1 Redação
Time limit: 4 hours 30 minutes
Exam fee: R$ 50,00

Keys to Passing

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Caixa Técnico Bancário Novo Study Tips from Top Performers

1Understand Caixa's unique dual role as both a commercial bank and the Federal Government's primary agent for social programs, housing finance (SFH), FGTS administration, and welfare disbursements.

2Master the Código de Defesa do Consumidor (CDC) and its application to banking contracts pursuant to STJ Súmula 297, focusing on unfair terms, mandatory disclosures, and liability for service defects.

3Practice financial mathematics calculations for housing loans, comparing total interest paid, initial installments, and amortization decay under the SAC (Amortização Constante) and Tabela Price systems.

4Review the Anti-Money Laundering Law (Lei 9.613/1998) and BACEN/COAF reporting rules for cash transactions and suspicious financial patterns.

5Study digital banking applications like Caixa Tem, understanding how digital social accounts operate under Brazilian law.

Frequently Asked Questions

What is the role of a Técnico Bancário Novo (TBN) at Caixa Econômica Federal?

A Técnico Bancário Novo performs commercial banking activities, customer service, loan and mortgage processing, opening accounts, administrative operational tasks, and processing federal social benefits such as FGTS, PIS, and welfare programs.

What is the official exam structure for Caixa TBN?

The examination administered by Fundação Cesgranrio consists of 60 multiple-choice questions (25 basic knowledge and 35 specific knowledge, with 5 options each) worth 60 points, plus an argumentative essay (redação) worth 100 points, completed in 4 hours and 30 minutes.

What education level is required to register for Caixa TBN?

The minimum requirement is completed secondary education (Ensino Médio completo) recognized by the Ministry of Education (MEC).

What is the registration fee for the Caixa concurso?

The official registration fee is R$ 50,00 for Técnico Bancário Novo, with fee exemption available for low-income candidates registered in CadÚnico and bone marrow donors.

What are the passing criteria for Caixa TBN?

Candidates must achieve at least 50% overall in the objective exam, score at least 50% in Basic Knowledge and 50% in Specific Knowledge, achieve a non-zero score in all subjects, and score at least 70 out of 100 points on the redação.