CRA Payment Dates for October 2025: In October 2025, Canadians can expect several key benefit payments from the Canada Revenue Agency (CRA), offering crucial financial support to families, low-income workers, and seniors. These payments, including the Canada Child Benefit (CCB), GST/HST Credit, and Canada Workers Benefit (CWB), aim to help mitigate living costs. If you’re wondering when these payments arrive and how much you can expect, here’s everything you need to know.
In October 2025, several important payments will be issued by the Canada Revenue Agency to provide support to low-income individuals, families, and seniors. Key benefits include the Canada Child Benefit, GST/HST Credit, Canada Workers Benefit, and Old Age Security.
To ensure you receive these payments, ensure your tax returns are filed, set up direct deposit, and regularly monitor your CRA My Account for updates. Be aware of potential scams and rely only on official channels for information.
Table of Contents
CRA Payment Dates and What You Can Expect in October 2025
1. Canada Child Benefit (CCB)
- Payment Date: October 20, 2025
- Who Qualifies: Parents or guardians of children under 18 years of age.
- How Much: Up to $7,787 per child under 6 years old and $6,570 per child aged 6-17, depending on income and the number of children.
- Details: The Canada Child Benefit (CCB) is a tax-free monthly payment designed to help families cover the cost of raising children. Families with a lower income receive higher amounts. For example, a family with two young children (under 6 years old) could receive payments exceeding $1,000 per month. The payment is indexed to inflation and adjusted annually.
2. GST/HST Credit
- Payment Date: October 3, 2025 (This is the final quarterly payment for the 2025 year).
- Who Qualifies: Low- and modest-income individuals and families.
- How Much: Up to $533 for single individuals, $698 for couples, and $184 per child under 19 years of age.
- Details: The GST/HST Credit is a quarterly payment that helps offset the Goods and Services Tax (GST) or the Harmonized Sales Tax (HST) that Canadians pay on goods and services. The amount depends on income and family size. Families with children may receive larger payments. The credit is automatically calculated based on your previous year’s tax return.
3. Ontario Trillium Benefit (OTB)
- Payment Date: October 10, 2025
- Who Qualifies: Ontario residents who meet income and tax criteria.
- How Much: The amount varies based on income, family size, and the credits claimed.
- Details: The Ontario Trillium Benefit (OTB) combines three credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit. This benefit supports individuals and families in Ontario, particularly with energy and property tax costs. Depending on your eligibility, the OTB payment could exceed $300 for those with lower income levels.
4. Canada Workers Benefit (CWB) – Advance Payment
- Payment Date: October 10, 2025
- Who Qualifies: Low-income workers, including self-employed individuals.
- How Much: The CWB is a refundable tax credit, and eligible individuals may receive up to $1,395 for single individuals or $2,616 for families. The advance payment in October typically covers part of the total benefit.
- Details: The Canada Workers Benefit (CWB) provides financial support to low-income workers. If you qualify, you will receive an advance in October, and the remainder will be paid when you file your 2025 tax return. The full amount can be up to $2,616 per year, but the advance is a portion of that total. For individuals with a low income, this amount can offer much-needed financial relief.
5. Old Age Security (OAS) and Canada Pension Plan (CPP) Payments
- Payment Date: October 29, 2025
- Who Qualifies: Seniors aged 65 and older, and individuals receiving Canada Pension Plan benefits.
- How Much:
- OAS: Up to $740.09 per month for those aged 65-74; up to $814.10 per month for those aged 75 and older.
- CPP: The average monthly payment is $848.37, with the maximum at $1,433 per month at age 65.
- Details: Old Age Security (OAS) provides a basic pension for seniors based on their residency in Canada, while Canada Pension Plan (CPP) payments are based on contributions made during an individual’s working years. Seniors who qualify for both OAS and CPP will receive these payments separately at the end of the month.
Ensure You Receive Your CRA Benefits in October 2025
- File Your 2024 Tax Return: To be eligible for many benefits, including the Canada Child Benefit (CCB), GST/HST Credit, and Canada Workers Benefit (CWB), you must file your 2024 tax return. This applies even if you have no income. Filing ensures the CRA can assess your eligibility for these benefits.
- Set Up Direct Deposit: To receive your payments faster and avoid delays, set up direct deposit through your CRA My Account. Payments made through direct deposit are processed more quickly than those issued by cheque.
- Check Your CRA My Account: Regularly monitor your CRA My Account to track the status of your payments, ensure there are no discrepancies, and check for updates on your eligibility for benefits.
Common Mistakes to Avoid in Receiving Benefits
- Failing to File Taxes: Many people fail to file taxes, mistakenly believing they’re not eligible. However, filing your tax return is crucial for receiving benefits, including GST/HST Credit and Canada Child Benefit (CCB).
- Incorrect Banking Information: If your direct deposit information is outdated, your payment may be delayed or fail to be processed. Ensure your banking information is up to date in your CRA My Account.
- Missing Payment Deadlines: Be aware of specific deadlines for receiving benefits. For example, the GST/HST Credit is issued quarterly, and missing a filing deadline could delay or reduce your payment.
What to Do If You Miss a Payment
If you don’t receive your expected payment by the scheduled date, the CRA recommends the following:
- Wait a Few Days: Payments may be delayed by a few business days. Allow up to three to five business days before contacting the CRA.
- Contact the CRA: If the payment is still missing after the waiting period, contact the CRA through their My Account portal or by phone for assistance.
- Check Your Eligibility: Verify that your eligibility criteria have not changed. If there have been any changes in your family situation or income, it might affect your benefits.
Beware of Scams
As the CRA processes multiple benefit payments, fraudsters may take advantage of confusion. Scammers often impersonate the CRA to collect personal information or claim that you owe taxes or fees. The CRA will never ask you to provide sensitive information through unsolicited emails, texts, or phone calls. Always verify any request for information through official CRA channels.
- Tip: If you receive unsolicited communications, do not respond. Instead, log in to your CRA My Account to check for updates.
