Canada’s $4,100 CRA Payment Coming in 2025 – Check If You Qualify

From coast to coast, many Canadians are set to receive up to $4,100 in federal support payments in 2025—but not in one lump sum.

This figure reflects a mix of monthly and quarterly payments from a range of government programs like the Old Age Security (OAS), Canada Pension Plan (CPP), Canada Child Benefit (CCB), GST/HST Credit, and others.

Whether you’re a senior, a low-income worker, or a parent, these benefits can make a real difference. Let’s break it down in plain English.

Overview

So, what exactly is this $4,100 payment? It’s not a single cheque from the CRA—it’s a ballpark total of multiple benefits that, when added together over the year, could exceed $4,100 for many. That includes everything from pension support to child and climate-related credits.

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Here’s a quick look at how it all adds up:

Programs

Let’s look into the individual programs so you know what you might qualify for.

Seniors

Old Age Security (OAS) pays a monthly pension to Canadians aged 65 or older. In 2025, that’s $727.67/month for ages 65–74, and $800.44/month for 75+. If your income is low, the Guaranteed Income Supplement (GIS) adds up to $1,057.01/month more.

To get OAS or GIS, you need:

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• 10+ years residency in Canada after age 18
• To apply via your My Service Canada Account

Retirees

If you contributed to the Canada Pension Plan (CPP) while working, you’ll receive a monthly payment in retirement. The maximum for 2025 is $1,364.60/month, but what you get depends on how long and how much you contributed.

Families

Canada Child Benefit (CCB) helps parents with kids under 18. If your child is under six, you can receive up to $7,437 per child annually, tax-free. Payments go out every 20th of the month.

If you’re in Alberta, the Alberta Child and Family Benefit (ACFB) gives families up to $1,330 annually, paid quarterly.

Workers

The Advanced Canada Workers Benefit (ACWB) supports low-income workers. You could get up to $1,428/year—no application needed if you file your tax return.

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Payment dates for 2025:

• January 10
• July 11
• October 10

Tax Credits

Let’s not forget about quarterly payments like the GST/HST Credit, which offers up to $496/year per adult and $131/child. The next rounds of payments hit on:

• April 4
• July 4
• October 3

If you live in Ontario, you might get monthly payments from the Ontario Trillium Benefit (OTB) starting July 2025. And for Canadians living in carbon pricing provinces, the Canada Carbon Rebate (CCR) helps cover rising costs—with four payments a year and extra help if you live rurally.

Apply

Here’s how to make sure that money finds its way into your account:

1. File Your Taxes Every Year
   Most CRA benefits are based on your annual tax return—even if you made no income.
2. Apply Where Needed
   Programs like CPP, OAS, and GIS require separate applications. Others, like GST/HST and ACWB, are automatic if you file.
3. Set Up Direct Deposit
   Skip the wait. CRA and Service Canada can deposit payments directly into your bank account—just log into your My CRA or My Service Canada account to set it up.

Staying informed and proactive is key. These benefits aren’t just handouts—they’re there to help you maintain stability and peace of mind through life’s big (and small) expenses.

FAQs