Canada CRA Benefits Schedule for November 2025 – Complete Payment Dates, Amounts & Eligibility You Must Know

As November 2025 approaches, millions of Canadians are closely watching their calendars for the next round of CRA benefit deposits. These payments, distributed by the Canada Revenue Agency (CRA), are vital to supporting families, seniors, and low-income workers as they navigate rising living costs.

This in-depth guide outlines CRA benefit payment dates for November 2025, explains who qualifies, and provides key details about payment amounts and how to track your deposits through official government tools.

Understanding CRA Benefits in Canada

The Canada Revenue Agency (CRA) administers several major benefit programs that help Canadians cover basic expenses such as childcare, retirement, food, and energy costs.

Some of the most important CRA-managed programs include:

• Canada Child Benefit (CCB)
• Old Age Security (OAS)
• Canada Pension Plan (CPP)
• Goods and Services Tax / Harmonized Sales Tax (GST/HST) Credit
• Canada Workers Benefit (CWB)
• Canada Carbon Rebate (CCR)

Each of these programs operates on a fixed payment schedule — monthly or quarterly — allowing Canadians to plan and budget their finances efficiently

CRA Benefits Payment Dates for November 2025

The following table outlines the expected CRA payment schedule for November 2025 based on the agency’s latest release.

Benefit Type	Next Payment Date (November 2025)	Frequency
Canada Child Benefit (CCB)	November 20, 2025	Monthly
Old Age Security (OAS)	November 27, 2025	Monthly
Canada Pension Plan (CPP)	November 27, 2025	Monthly
GST/HST Credit	Next payment on January 3, 2026	Quarterly
Canada Workers Benefit (CWB)	November 15, 2025	Quarterly
Canada Carbon Rebate (CCR)	Next payment on January 17, 2026	Quarterly

Payments are usually deposited directly into recipients’ bank accounts, while mailed cheques may take a few extra business days to arrive.

Canada Child Benefit (CCB) – November 2025 Payment

The Canada Child Benefit (CCB) provides tax-free monthly payments to eligible families raising children under 18. It helps parents manage daily expenses such as childcare, food, and education.

Next Payment Date: November 20, 2025

For the 2025–2026 benefit year, families can receive up to:

• $7,787 per year for each child under 6
• $6,570 per year for each child aged 6 to 17

The CCB amount depends on net family income and number of children. Adjustments are made every July based on inflation data from the Consumer Price Index (CPI).

Families can check their current CCB entitlement through the CRA My Account portal or MyCRA mobile app.

Old Age Security (OAS) and Canada Pension Plan (CPP) – November 2025

Both OAS and CPP are crucial income sources for retired Canadians, offering monthly financial stability during retirement years.

Next Payment Date for Both: November 27, 2025

Old Age Security (OAS)

• Available to Canadians aged 65 or older who meet residency and legal status requirements.
• Average monthly OAS payment (2025): approximately $713
• Maximum monthly OAS payment: around $713.34
• OAS Clawback: Higher-income seniors may have part of their OAS reduced if their annual income exceeds the federal threshold.

Canada Pension Plan (CPP)

• Based on the contributor’s earnings and total contributions during their working years.
• Average CPP retirement benefit (2025): approximately $772.50 per month
• Maximum CPP monthly payment: around $1,364.60

Seniors can review their benefit history or check for upcoming payments using their My Service Canada Account (MSCA).

Canada Workers Benefit (CWB) – November 2025 Payment

The Canada Workers Benefit is a refundable tax credit that boosts the income of low-wage workers. Advance payments are made quarterly, offering support throughout the year rather than as a lump sum at tax time.

Next Payment Date: November 15, 2025

Eligibility requirements include:

• Filing a 2024 tax return
• Being at least 19 years old on December 31, 2024
• Earning below the CRA’s income threshold for your province or territory

Recipients automatically receive up to 50% of their total CWB entitlement in quarterly advance payments.

GST/HST Credit – Next Payment in January 2026

The GST/HST credit is designed to offset the federal sales tax on goods and services for lower-income households.

Next Payment Date: January 3, 2026

Although there’s no GST/HST credit in November 2025, the next quarterly installment will arrive at the start of the new year.

Eligibility highlights:

• Must be a Canadian resident for tax purposes
• Must have filed an income tax return, even if income was zero
• Benefit amounts depend on net family income and family size

On average, single individuals receive around $496 annually, while couples with children may receive up to $992 combined.

Canada Carbon Rebate (CCR) – Next Payment in January 2026

The Canada Carbon Rebate (formerly known as the Climate Action Incentive Payment) helps households manage costs related to federal carbon pricing.

Next Payment Date: January 17, 2026

This quarterly, tax-free payment varies by province and family size. Estimated annual rebate amounts for 2025–2026 include:

• Around $1,200 per household in provinces like Ontario and Manitoba
• Additional rural supplements for residents living outside major urban centers

Eligible residents receive payments automatically if they file their annual tax return.

How to Check CRA Payments and Status

Canadians can monitor their upcoming payments and view their benefits history easily through CRA’s digital services.

Ways to check your CRA benefit payments:

1. CRA My Account: Provides full access to benefit statements and deposit dates.
2. MyCRA Mobile App: Offers quick mobile access to payment schedules.
3. Bank Account: Look for deposits labeled as “Canada Fed” or “RCVT” (Refundable Credit).
4. Mail: If you’re not enrolled for direct deposit, payments may arrive as cheques.

If your payment doesn’t arrive within five business days of the expected date, contact the CRA for assistance.

CRA Benefit Eligibility Summary

Benefit	Eligibility Highlights
CCB	Must be a Canadian resident and primary caregiver for a child under 18
OAS	Must be 65+ and have resided in Canada for at least 10 years
CPP	Must have made at least one valid contribution during working life
GST/HST Credit	Must have filed an income tax return and meet income limits
CWB	Must be a low-income worker aged 19+
CCR	Must reside in a province under the federal carbon pricing system

Tips to Ensure Timely CRA Payments

To prevent delays or missed deposits, Canadians are advised to follow these steps:

• Enroll in Direct Deposit: Available through both CRA My Account and your financial institution.
• Keep Personal Information Updated: Notify the CRA immediately after moving or changing banks.
• File Taxes Every Year: Even if you have no income, tax filing ensures continuous eligibility.
• Track CRA Announcements: Regularly check canada.ca for benefit updates or policy changes.

Following these steps ensures consistent, on-time access to your entitled CRA benefits.

Why CRA Benefits Are Vital in 2025

With inflation and household costs remaining high across Canada, CRA benefits play an increasingly important role in providing financial stability. Programs like the CCB and OAS help families and retirees maintain their quality of life, while newer initiatives like the CCR and CWB reflect the government’s focus on affordability and sustainability.

As the cost of living continues to evolve, the CRA’s timely benefit distribution ensures that millions of Canadians receive predictable, reliable support every month.

FAQs on CRA Benefit Payments for November 2025

1. When are the CRA benefits being paid in November 2025?
The main payment dates are November 15 (CWB), November 20 (CCB), and November 27 (OAS and CPP). Other benefits such as GST/HST and CCR will be paid in January 2026.

2. How do I check my CRA payment schedule?
You can check through your CRA My Account, MyCRA mobile app, or your bank account statements for deposits labeled “Canada Fed.”

3. Why didn’t I receive my CRA payment on the due date?
Payments may be delayed due to banking issues or mailing times. Wait at least five business days after the scheduled date before contacting the CRA.

4. Is the Canada Carbon Rebate paid every month?
No. The CCR is paid quarterly, with the next payment expected on January 17, 2026.

5. Do I need to apply for CRA benefits every year?
No reapplication is needed, but you must file your income tax return annually to remain eligible for most CRA benefit programs