CRA Payment Dates 2025: CPP, OAS, GST/HST Schedules

If you’re waiting on a CRA payment in 2025, the difference between a smooth week and a stressful one often comes down to knowing the exact deposit date. Canada’s benefit system sends out billions in CPP, OAS, GST credits, and family benefits on a predictable schedule — but those dates shift around weekends and holidays. Here’s the full 2025 picture, pulled from official government sources.

CPP Payments Start: Jan 29, 2025 · OAS Payments: Monthly from May 29, 2025 · GST/HST Credit: Quarterly (Jan 3, Apr 4, Jul 4, Oct 3) · Seniors OAS Boost: 10% increase for ages 75+

The key facts table below summarizes the primary sources and verified payment dates for Canada’s major benefit programs in 2025.

What payments are coming in 2025?

The CRA administers several major benefit programs that land in Canadian bank accounts on a predictable cadence throughout 2025. The Canada Pension Plan (CPP) and Old Age Security (OAS) form the backbone of retirement income for millions of Canadians, while the GST/HST credit puts money back in the pockets of lower-income individuals and families (Government of Canada).

• CPP Retirement Pension: Monthly payments to workers who contributed to the plan, issued near the last business day of each month.
• OAS Pension: Monthly payments for Canadians 65 and older who meet residency requirements, following the same schedule as CPP.
• GST/HST Credit: Quarterly payments (January, April, July, October) to offset sales taxes for lower-income Canadians.
• Canada Child Benefit (CCB): Monthly payments on the 20th for families with children under 18.
• Canada Carbon Rebate (CCR): Quarterly climate incentive for residents of specific provinces (AB, MB, NB, NL, NS, ON, PEI, SK).
• Ontario Trillium Benefit (OTB): Monthly provincial payment on the 10th for Ontario residents.

The implication: Canada’s benefit system runs like clockwork once you know the rhythm. Payments adjust slightly when the scheduled date falls on a weekend or holiday.

What are CPP payment dates for 2025?

CPP retirement pensions are issued on the last business day of each month in 2025, with slight adjustments when payment dates land on weekends or holidays (St. Lawyers LLP). Here’s the full 2025 schedule:

The payment dates below follow the verified official schedule from Government of Canada sources, with minor date variations noted where applicable.

The pattern: CPP payments consistently land on the last business day, shifting earlier when holidays compress the calendar at year-end.

The catch: CPP payments increased by 2.7% starting January 2025, reflecting the annual cost-of-living adjustment tied to inflation. This adjustment applies to all CPP recipients automatically.

What are OAS payment dates 2025?

OAS payments follow the same schedule as CPP in 2025, landing on the last business day of each month (Government of Canada Benefits Calendar). OAS payments began May 29 in 2025, with subsequent payments on the CPP schedule through year-end.

The table below shows the verified OAS payment dates for the months when this benefit is issued.

The implication: OAS recipients can anticipate consistent monthly deposits following the same rhythm as CPP throughout the second half of 2025.

The implication: OAS clawback (recovery) kicks in for seniors with net world income above $93,454, with full repayment required at $152,062 for ages 65-74. The recovery is recovered monthly from July 2025 through June 2026.

What are GST payment dates 2025?

The GST/HST credit pays out quarterly in 2025, with payments on January 3, April 4, July 4, and October 3 (Government of Canada). These dates shift when they fall on weekends — the CRA typically moves them to the preceding Friday.

The schedule below aligns GST/HST credit payments with related provincial and federal benefits for reference.

The pattern: Federal benefit payments cluster around the same periods each quarter, giving recipients multiple deposits in close succession.

The trade-off: This transition means 2025 is the final year of the current GST/HST credit structure — a significant change for the roughly 12 million Canadians who currently receive it.

Are seniors getting extra money in October in Canada?

October 2025 brings standard CPP and OAS payments (October 29-30), not extra “bonus” deposits. CPP lands on October 30 while OAS follows on October 29 or 30 depending on weekend adjustments (Government of Canada). However, there are confirmed 2025 increases worth noting.

• 2.7% cost-of-living increase: All CPP and OAS payments rose by 2.7% in January 2025, the annual inflation adjustment.
• 10% OAS boost for ages 75+: This permanent increase, implemented in August 2022, continues through 2025.
• Ontario Trillium Benefit: Ontario seniors may qualify for the Energy and Property Tax Credit worth up to $1,459 annually, paid monthly on the 10th.

The implication: Canada’s seniors receive real increases in 2025 through the annual inflation adjustment and the ongoing OAS boost for those 75 and older — but viral social media posts about one-time $2,000 or $500 payments don’t reflect federal policy.

For Canadians counting on CRA benefits, the 2025 payment schedule is set and predictable — with real increases built in through the annual inflation adjustment and the ongoing 10% OAS boost for seniors 75 and older. The largest change on the horizon is the 2026 replacement of the GST/HST credit with a 25%-higher Canada Groceries and Essentials Benefit, plus a one-time 50% top-up landing by June 2026.