Every month, millions of Canadians receive payments from the Canada Revenue Agency (CRA) through direct deposit — the fastest and most secure way to access federal benefits. These deposits cover a wide range of programs, from Old Age Security (OAS) and the Canada Pension Plan (CPP) to the Canada Child Benefit (CCB) and GST/HST Credit.
For October 2025, the CRA has officially confirmed multiple payment dates for seniors, families, workers, and low-income Canadians. Some of these payments have also been adjusted following inflation-linked increases, ensuring eligible Canadians receive a little extra support heading into the end of the year.
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What Is a CRA Direct Deposit Payment?
A CRA direct deposit is a payment made electronically into your bank account for any benefits or credits you qualify for. Instead of waiting for paper cheques, your money arrives automatically and securely on the CRA’s scheduled payment dates.
These include:
- Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
- Canada Pension Plan (CPP) benefits
- Canada Child Benefit (CCB)
- GST/HST Credit
- Ontario Trillium Benefit (OTB)
- Canada Workers Benefit (CWB) advance payments
- Canada Carbon Rebate
- Canada Disability Benefit (CDB)
Each program has its own eligibility rules and deposit dates.
CRA Direct Deposit Payment Dates for October 2025
According to the official CRA benefit payment calendar, here’s when Canadians can expect their October 2025 direct deposits:
| Benefit Program | Payment Date (October 2025) | Who It’s For |
|---|---|---|
| Old Age Security (OAS) | October 29, 2025 | Seniors aged 65+ meeting residency and income requirements |
| Canada Pension Plan (CPP) | October 29, 2025 | Retirees, survivors, and disability benefit recipients |
| GST/HST Credit | October 3, 2025 | Low- and moderate-income Canadians and families |
| Canada Child Benefit (CCB) | October 20, 2025 | Parents or guardians of children under 18 |
| Ontario Trillium Benefit (OTB) | October 10, 2025 | Ontario residents eligible for energy, sales, and property tax credits |
| Canada Workers Benefit (CWB) – Advance Payment | October 10, 2025 | Low-income working individuals and families |
| Canada Disability Benefit (CDB) | October 16, 2025 | Eligible Canadians with disabilities (federal top-up) |
All payments will be made through direct deposit if you’ve registered your banking details with the CRA.
OAS and CPP: Updated Payment Amounts
The federal government adjusts OAS and CPP payments quarterly based on the Consumer Price Index (CPI) to help seniors keep pace with inflation.
For October to December 2025, both programs have seen increases:
- OAS:
- Ages 65–74: Up to $740.09/month
- Ages 75 and older: Up to $814.10/month
- These amounts are indexed to reflect a 0.7% increase for the quarter.
- CPP:
- The maximum CPP retirement pension at age 65 is about $1,433.00/month in 2025.
- Most Canadians receive less, depending on how much they contributed during their working years.
These payments are automatically adjusted — you don’t need to apply for the increase.
CRA Direct Deposit Payments – October 2025 Benefit Amounts
Here’s what Canadians can expect to receive in October 2025 through direct deposit, depending on eligibility:
- Old Age Security (OAS)
- Ages 65–74: Up to $740.09 per month
- Ages 75 and older: Up to $814.10 per month
- Guaranteed Income Supplement (GIS)
- Single seniors: Up to $1,065.47 per month
- Each spouse/common-law partner (if both receive OAS): Up to $641.35 per month
- Canada Pension Plan (CPP)
- Average monthly amount: Around $844
- Maximum monthly payment (age 65): $1,433.40
- Canada Child Benefit (CCB)
- Children under 6 years: Up to $666.41 per month
- Children aged 6 to 17 years: Up to $562.33 per month
- GST/HST Credit
- Single individual: Up to $533 per year
- Married/common-law couple: Up to $698 per year
- Each child under 19: Additional $184 per year
- Canada Workers Benefit (CWB)
- Up to $1,518 for single individuals
- Up to $2,616 for families (combined maximum)
- Ontario Trillium Benefit (OTB) – for Ontario residents
- Average payment: Around $360 per month, depending on income, rent, and property tax
- Disability Tax Credit or Supplementary Benefits
- Depending on the program, eligible Canadians may receive between $250 and $550 per month through CRA-administered supports.
Eligibility for CRA Direct Deposit Payments
To qualify for and receive CRA benefits via direct deposit, Canadians must:
- File Their Taxes Annually – Most CRA benefits are income-tested, meaning your eligibility and amount depend on your latest tax return.
- Have Valid Banking Information – You must be enrolled for direct deposit through your CRA My Account or financial institution.
- Meet Specific Program Criteria:
- OAS/GIS: Age and residency requirements
- CPP: Contribution-based eligibility
- CCB: Must live with and care for a child under 18
- GST/HST: Based on income and marital status
- CWB: Employment income within the qualifying range
If any of your personal information (like address or marital status) changes, update it immediately in your CRA My Account to avoid payment disruptions.
How to Register for Direct Deposit
If you haven’t yet registered for CRA direct deposit, you can easily do so:
- Online: Through your CRA My Account
- Through Your Bank: Most major Canadian banks and credit unions let you set up CRA direct deposit from their websites or apps
- By Phone or Mail: Call CRA’s individual enquiries line or submit Form T1-DD(1)
Once set up, all your CRA-administered benefits — including tax refunds, OAS, CPP, and credits — will go directly into your account.
Why Direct Deposit Matters More Than Ever
Direct deposit ensures you receive your benefits on time and securely, even if mail delivery is delayed. It also helps protect against lost or stolen cheques and allows faster access to funds.
In 2025, when many Canadians are relying on timely support amid continued cost-of-living pressures, direct deposit offers both reliability and peace of mind.
Key Takeaway
For October 2025, the CRA direct deposit schedule brings multiple payments across programs, including:
- GST Credit: October 3
- OTB & CWB: October 10
- CDB: October 16
- CCB: October 20
- OAS & CPP: October 29
Whether you’re a senior, parent, or worker, these payments provide important monthly or quarterly support.
If you’re unsure about your eligibility or want to confirm your payment status, log in to your CRA My Account or visit the official Government of Canada benefits calendar.