As Christmas approaches, many Canadians are preparing for important CRA direct deposit payments scheduled to arrive before 25 December 2025.
These payments include federal benefits for families, seniors, low-income households, disabled individuals, and veterans.
Knowing exact deposit dates, eligibility rules, and updated 2025 amounts will help you plan your finances for the holiday season.
Below is a complete breakdown of the six confirmed payments expected to reach Canadian bank accounts before Christmas 2025.
Quick Summary of December 2025 Payments
| Benefit | Deposit Date (Dec 2025) | Expected Amount | Who Is Eligible? |
|---|---|---|---|
| Ontario Trillium Benefit (OTB) | 10 December 2025 | Up to $2,000+ yearly (varies) | Ontario residents with low–moderate income |
| Canada Child Benefit (CCB) | 12 December 2025 | $666.41/month (under 6) $562.33/month (6–17) | Parents with eligible children under 18 |
| Canada Disability Benefit (CDB) | 18 December 2025 | Up to $200/month | Working-age adults with eligible disabilities |
| Old Age Security (OAS) | 20 December 2025 | $740.09 (65–74) $814.10 (75+) | Seniors aged 65 and above |
| Canada Pension Plan (CPP) | 22 December 2025 | Avg $845/month Max about $1,433 | CPP contributors (retired, disability, survivor) |
| Veteran Disability Pension | 23 December 2025 | Up to $3,444.59/month | Eligible veterans and RCMP members |
1. Ontario Trillium Benefit (OTB) – 10 December 2025
The Ontario Trillium Benefit helps low and moderate-income households with energy, property tax, and sales tax costs. It includes the OEPTC, OSTC, and NOEC credits.
Key details:
- Deposit date: 10 December 2025
- Amount: Total annual support can exceed $2,000 depending on income and rent or property tax
- Eligibility:
- Must live in Ontario
- Must file a tax return
- Must qualify for at least one OTB credit
Monthly recipients will see their December payment before mid-month.
2. Canada Child Benefit (CCB) – 12 December 2025
The CCB is a tax-free monthly benefit supporting families with the cost of raising children.
Updated 2025 maximum amounts:
- $666.41/month per child under 6
- $562.33/month per child aged 6–17
Eligibility requires:
- A child under 18
- Filed tax returns for both parents
- Updated marital status and residency
- Adjusted family net income within limits
The payment will arrive early, on 12 December, to help families before Christmas.
3. Canada Disability Benefit (CDB) – 18 December 2025
The CDB is a new federal payment for working-age adults with disabilities, created to reduce financial hardship.
Key details:
- Deposit date: 18 December 2025
- Payment: Up to $200 per month
- Eligibility:
- Approved disability assessment
- Meet age and residency rules
- Income within program limits
The amount reduces for higher-income households.
4. Old Age Security (OAS) – 20 December 2025
The OAS pension is paid monthly to seniors aged 65 and older.
2025 OAS amounts:
- $740.09/month for seniors aged 65–74
- $814.10/month for seniors 75+
Eligibility depends on Canadian residency and income thresholds. The payment is scheduled for 20 December 2025, ensuring seniors receive funds before the holidays.
5. Canada Pension Plan (CPP) – 22 December 2025
The CPP provides retirement, disability, and survivor benefits.
2025 CPP amounts:
- Average: About $845/month
- Maximum: About $1,433/month
To receive CPP, you must have contributed through employment and applied for the benefit. The 22 December 2025 deposit date ensures it arrives before Christmas.
6. Veteran Disability Pension – 23 December 2025
This payment supports veterans and RCMP members with service-related disabilities.
Details:
- Deposit date: 23 December 2025
- Maximum payment: Around $3,444.59/month for 100% disability
- Payments vary based on severity and assessment rating
This payment is one of the final federal deposits before Christmas.
These six major federal and CRA-related direct deposit payments—OTB, CCB, CDB, OAS, CPP, and the Veteran Disability Pension—will all arrive before Christmas 2025, offering essential financial support to families, seniors, veterans, and disabled individuals.
By understanding your eligibility, confirming the exact payment dates, and ensuring your direct deposit and tax information are updated, you can make sure every payment arrives on time for the holiday season.
FAQs
Will all these payments come through direct deposit automatically?
Yes, as long as you are enrolled for direct deposit through CRA or Service Canada. If you receive cheques, delivery may take longer.
What if my December 2025 payment is late?
Wait 1–2 business days for bank processing, then check your CRA or Service Canada account to ensure your banking and personal information are correct.
Do these benefits increase in January 2026?
Some benefits, especially CPP, OAS, GIS, and provincial credits, may increase due to annual indexation and updated income thresholds.