As the year nears its end, November 2025 is shaping up to be a busy month for millions of Canadians who rely on monthly and quarterly payments from the Canada Revenue Agency (CRA). From the Canada Child Benefit (CCB) to the Old Age Security (OAS) and Canada Pension Plan (CPP), several key federal and provincial benefits are scheduled to hit bank accounts this month.
These payments are designed to help Canadians with the rising cost of living, offering financial support for families, seniors, and low-income earners. If you receive direct deposits from the CRA, here’s a complete breakdown of the five major payments scheduled for November 2025, along with eligibility details and expected payment amounts.
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1. Canada Child Benefit (CCB) – November 20, 2025
The Canada Child Benefit (CCB) provides tax-free monthly payments to help families with the cost of raising children under 18.
Payment Date: Thursday, November 20, 2025
Average Payment: Between $600 and $1,200 per child, depending on household income and the number of children.
Eligibility:
- You must live with a child under 18 years old.
- You must be primarily responsible for the child’s care and upbringing.
- You must be a Canadian resident for tax purposes.
- Both you and your spouse or partner (if applicable) must have filed your 2024 tax returns.
Low-income families with multiple children may also receive additional top-ups through provincial programs such as the Ontario Child Benefit or Alberta Child and Family Benefit, which are automatically included in the CCB payment.
2. GST/HST Credit – November 5, 2025
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit helps offset the cost of sales tax for low- and moderate-income Canadians. It is a quarterly tax-free payment, with the next instalment arriving in November.
Payment Date: Wednesday, November 5, 2025
Average Payment: Between $234 and $533, depending on family income, marital status, and the number of dependents.
Eligibility:
- You must be at least 19 years old.
- You must be a Canadian resident for tax purposes.
- You must have filed your 2024 tax return, even if you had no income.
The CRA automatically determines eligibility — no separate application is required. For families, the GST/HST credit is combined with the Canada Carbon Rebate in some provinces, offering a larger lump-sum deposit.
3. Canada Pension Plan (CPP) – November 26, 2025
The Canada Pension Plan (CPP) provides retirement, disability, and survivor benefits to eligible Canadians who contributed during their working years.
Payment Date: Wednesday, November 26, 2025
Maximum Monthly Amount (at age 65): $1,433.40
Average Monthly Payment (as of 2025): $845.50
Eligibility:
- You must have made at least one valid CPP contribution.
- You can begin collecting CPP as early as age 60, though payments increase the longer you wait (up to age 70).
- Your monthly amount depends on your average lifetime earnings and contribution history.
Payments are made directly to your bank account via direct deposit. Seniors who are not yet signed up are encouraged to register through their My Service Canada Account to avoid delays.
4. Old Age Security (OAS) – November 26, 2025
The Old Age Security (OAS) program provides a monthly pension to seniors aged 65 and older. It is one of the largest federal benefits in Canada and is indexed quarterly to reflect changes in the cost of living.
Payment Date: Wednesday, November 26, 2025
Maximum Monthly Payment (ages 65–74): $740.09
Maximum Monthly Payment (ages 75+): $814.10
Eligibility:
- You must be 65 or older.
- You must be a Canadian citizen or legal resident.
- You must have lived in Canada for at least 10 years after turning 18 (40 years for full benefits).
The OAS amount is reviewed every three months — in January, April, July, and October — and adjusted to match inflation using the Consumer Price Index (CPI). Seniors who earn above $90,997 annually may see partial reductions due to the OAS clawback.
5. Canada Workers Benefit (CWB) – November 12, 2025
The Canada Workers Benefit (CWB) provides financial assistance to low-income individuals and families who are working but earning modest wages. The CWB includes both a basic amount and a disability supplement.
Payment Date: Wednesday, November 12, 2025
Average Payment: Up to $1,518 for single individuals and $2,616 for families, depending on income and province.
Eligibility:
- You must be at least 19 years old.
- You must have earned working income during the year.
- Your net income must fall below the CRA’s annual threshold for your region.
CWB payments are automatically calculated and distributed by the CRA based on your tax return, meaning no separate application is required.
How to Check Your CRA Payment Status
Canadians can confirm their benefit amounts, payment dates, and deposit status using:
- CRA MyAccount: For real-time updates and payment history.
- Direct Deposit: To ensure faster and more secure payments.
- CRA’s Mobile App – MyCRA: To track benefits, update details, and view payment schedules.
If you do not receive your payment by the expected date, the CRA advises waiting 10 business days before contacting them.
November 2025 is packed with key CRA benefit payments that provide critical financial support to millions of Canadians. Whether you’re a family receiving the CCB, a retiree collecting CPP or OAS, or a low-income worker depending on the CWB or GST credit, these deposits can make a significant difference in managing household expenses as the holiday season approaches.
Staying informed about your CRA payment schedule ensures you never miss a benefit — and helps you plan your finances effectively.