The Canada Revenue Agency (CRA) has confirmed the next quarterly GST/HST Credit payment for October 2025, and eligible Canadians could receive up to $460 in tax-free support. This payment helps millions of low- and moderate-income households offset the cost of goods and services affected by sales tax.
Here’s a full breakdown of who qualifies, how much you can expect, and when the money will arrive in your account this October.
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What is the GST/HST Credit?
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit is a federal benefit designed to reduce the impact of sales tax on lower-income individuals and families in Canada. It is issued four times per year—in January, April, July, and October—directly to eligible Canadians through CRA direct deposit or mailed cheques.
The October 2025 installment marks the final quarterly payment for the 2025 benefit year, and the amount has increased slightly to reflect inflation adjustments made earlier this year.
When Will the October 2025 GST/HST Credit Be Paid?
The CRA has confirmed that the next GST/HST Credit will be issued on October 3, 2025.
If you receive your benefits through direct deposit, the funds will typically appear in your bank account on the same day. However, for those who receive paper cheques, it might take up to 10 business days to arrive, depending on your location.
How Much Will You Receive in October 2025?
The maximum annual GST/HST Credit for the 2025–2026 benefit year has been increased, and the October payment represents the final quarterly installment. Here’s a breakdown of how much eligible recipients can receive in total annually—and approximately what to expect in this October payment:
| Recipient Type | Maximum Annual Credit | Estimated October 2025 Payment |
|---|---|---|
| Single individual | $306 | Around $76 |
| Married or common-law couple | $612 | Around $153 |
| Each child under 19 | $161 | Around $40 per child |
Depending on your family situation, the average household payment this quarter is around $460, though the actual amount depends on your 2024 tax return and adjusted family net income.
Who Is Eligible for the GST/HST Credit?
To qualify for the October 2025 GST/HST Credit, you must have met the following requirements when filing your 2024 income tax return:
- You must be a Canadian resident for income tax purposes.
- You must be 19 years or older (or have a spouse/common-law partner, or be a parent living with your child).
- Your adjusted family net income must be below the CRA’s income threshold.
Even if you have no income, you should still file your taxes to ensure you automatically receive the credit if eligible.
How the CRA Calculates Your Payment
The CRA bases your GST/HST Credit on:
- Your 2024 income reported on your tax return.
- Your marital status (single, married, or common-law).
- The number of dependent children under 19.
Payments are automatically adjusted if your family situation changes—for example, if you get married, have a child, or your income level changes.
Provincial Top-Ups Included
In some provinces, the CRA combines the GST/HST Credit with provincial sales tax credits, meaning you receive one single payment that includes both federal and provincial portions. Examples include:
- Ontario – Ontario Sales Tax Credit (part of the Ontario Trillium Benefit)
- Nova Scotia, Newfoundland and Labrador, and PEI – Harmonized Sales Tax credit components
These combined payments help ensure consistent support across the provinces.
How to Check Your Payment Status
You can check your GST/HST Credit payment details through your CRA My Account online. Once logged in, you’ll see:
- Upcoming payment dates
- Amounts issued
- Direct deposit information
- Eligibility status
If you notice a delay or issue, you can also contact the CRA directly at 1-800-387-1193 for personal benefit inquiries.
What to Do If You Haven’t Received Your Payment
If you haven’t received your GST/HST Credit by October 17, 2025, you should:
- Verify your direct deposit information in CRA My Account.
- Check your mailbox if you normally receive paper cheques.
- Contact the CRA if it’s been more than 10 business days since the payment date.
Why the October 2025 Payment Matters
With inflation still impacting essentials like food, gas, and utilities, the $460 GST/HST Credit payment offers vital relief to millions of Canadians. For many households, this quarterly deposit provides a timely boost before winter expenses begin to rise.
The CRA has also hinted that further benefit adjustments for 2026 could be announced in the upcoming federal budget, continuing efforts to support lower-income Canadians.
The $460 GST/HST Credit payment in October 2025 is a crucial financial lifeline for many Canadians. Whether you’re a single individual, a family with children, or a senior on a fixed income, this tax-free credit helps cover daily essentials while reducing the impact of inflation.
If you’re unsure whether you qualify, check your CRA My Account or file your 2024 taxes as soon as possible to ensure you don’t miss out on this important benefit.