The Canada Revenue Agency (CRA) has officially confirmed the November 2025 payment schedule for several key federal benefits and credits. Millions of Canadians can expect direct deposits and mailed cheques this month, covering everything from Old Age Security (OAS) and Canada Pension Plan (CPP) to GST/HST credits, Canada Child Benefit (CCB), and new affordability payments.
As the cost of living remains a top concern nationwide, these monthly and quarterly CRA payments provide critical financial relief to families, seniors, and individuals with low or moderate incomes. Below is a complete breakdown of CRA payment dates for November 2025, including amounts, eligibility rules, and what to expect in your bank account.
Full List of CRA Payments for November 2025
Here are the confirmed CRA payments scheduled for November 2025:
| Payment Type | Payment Date (November 2025) | Administered By |
|---|---|---|
| Canada Pension Plan (CPP) | November 26, 2025 | Service Canada / CRA |
| Old Age Security (OAS) | November 26, 2025 | Service Canada / CRA |
| GST/HST Credit (Quarterly) | November 15, 2025 | CRA |
| Canada Child Benefit (CCB) | November 20, 2025 | CRA |
| Climate Action Incentive / Carbon Rebate (CCR) | November 22, 2025 | CRA |
| Canada Workers Benefit (CWB) | November 12, 2025 | CRA |
| Ontario Trillium Benefit (OTB) | November 10, 2025 | CRA (Ontario residents only) |
| Canada Disability Benefit (CDB) | November 25, 2025 | Service Canada |
CPP Payment — November 26, 2025
The Canada Pension Plan (CPP) provides monthly, taxable benefits to contributors who have retired or are receiving survivor, disability, or children’s benefits.
- Payment Date: November 26, 2025
- Average Monthly Amount: $844.53 (retirement pension)
- Maximum Monthly Amount (age 65): $1,433.00
- Eligibility: Must be at least 60 years old and have made at least one valid CPP contribution.
- How to Receive: Direct deposit or mailed cheque (direct deposit preferred).
For 2025, CPP payments increased by 2.6%, reflecting inflation adjustments. Additional minor adjustments are expected in January 2026 under the annual cost-of-living review.
OAS Payment — November 26, 2025
The Old Age Security (OAS) benefit is a monthly payment available to seniors aged 65 and older. It is reviewed quarterly and adjusted to reflect changes in the Consumer Price Index (CPI).
- Payment Date: November 26, 2025
- OAS (Ages 65–74): Up to $740.09 per month
- OAS (Ages 75+): Up to $814.10 per month
- Eligibility:
- Must be 65 or older
- Must be a Canadian resident for at least 10 years after age 18
- Annual income must be below $148,541 (65–74) or $154,196 (75+)
OAS recipients are also automatically considered for the Guaranteed Income Supplement (GIS) if they have a low income.
GST/HST Credit — November 15, 2025
The GST/HST credit is a quarterly, tax-free benefit intended to help low- and moderate-income Canadians offset the cost of sales taxes.
- Payment Date: November 15, 2025
- Average Payment: $184 for individuals; up to $776 for families (quarterly).
- Eligibility:
- Must be at least 19 years old (or have a spouse/child).
- Must file an annual income tax return.
- Income thresholds vary by family size.
For some households, a special top-up of $533 may also be issued in November 2025 to address affordability challenges.
Canada Child Benefit (CCB) — November 20, 2025
The Canada Child Benefit is one of the most significant CRA-administered benefits, providing monthly tax-free payments to help parents cover the cost of raising children under 18.
- Payment Date: November 20, 2025
- Average Monthly Payment:
- Up to $619.75 per child under 6
- Up to $522.91 per child aged 6–17
- Eligibility:
- Must be the primary caregiver of a child under 18.
- Must live with the child and file an income tax return annually.
Payments may also include provincial supplements depending on where you live (e.g., BC Family Benefit, Alberta Child Benefit, Ontario Child Benefit).
Canada Workers Benefit (CWB) — November 12, 2025
The Canada Workers Benefit supports low-income individuals and families who are employed.
- Payment Date: November 12, 2025
- Maximum Annual Amount:
- Up to $1,518 for individuals
- Up to $2,616 for families
- Eligibility:
- Must be at least 19 years old.
- Must have working income above $3,000.
- Income must not exceed the CRA threshold (varies by province).
The benefit is divided into three advance payments, automatically sent to eligible Canadians without reapplying.
Climate Action Incentive Payment — November 22, 2025
The Canada Carbon Rebate (formerly Climate Action Incentive) provides quarterly payments to households to offset carbon pricing.
- Payment Date: November 22, 2025
- Average Amount (Single Adult):
- Ontario: $244
- Alberta: $386
- Manitoba: $264
- Saskatchewan: $340
- Eligibility: Must file a tax return and live in a participating province.
Households with dependents and spouses receive additional top-ups.
Ontario Trillium Benefit — November 10, 2025
For Ontario residents, the Ontario Trillium Benefit (OTB) combines three credits:
- Ontario Energy and Property Tax Credit
- Northern Ontario Energy Credit
- Ontario Sales Tax Credit
- Payment Date: November 10, 2025
- Average Amount: $80–$140 monthly (varies by income and housing).
- Eligibility: Must be an Ontario resident and file taxes.
Canada Disability Benefit — November 25, 2025
The Canada Disability Benefit (CDB) supports working-age Canadians with disabilities, complementing the Disability Tax Credit.
- Payment Date: November 25, 2025
- Estimated Monthly Amount: $350–$600 (depending on province and income).
- Eligibility:
- Must be 18–64 years old.
- Must be eligible for the Disability Tax Credit (DTC).
- Must file a tax return annually.
How to Receive CRA Payments Faster
To ensure timely payments, the CRA encourages Canadians to:
- Sign up for direct deposit through CRA My Account or your financial institution.
- File your 2024 tax return early to maintain eligibility.
- Update your mailing and banking information if you’ve recently moved or switched accounts.
Canadians still receiving cheques may face delays due to postal processing, so switching to direct deposit is recommended.
The CRA’s November 2025 payment schedule includes several major benefits that provide essential income support for millions of Canadians. Whether you are a retiree, parent, worker, or student, these federal payments are designed to ease financial pressures as the cost of living remains high.
Eligible recipients are encouraged to verify their CRA My Account for payment details and ensure their information is up to date to avoid delays.