As the year comes to an end, millions of Canadians are preparing for a busy benefit season. With living costs still high, the Canada Revenue Agency (CRA) and Service Canada will distribute multiple monthly and quarterly benefits in November and December 2025, giving households much-needed financial breathing room.
The first major cluster of payments will arrive around 25 November, followed by another round in mid-December.
These payments include the Canada Child Benefit (CCB), Canada Pension Plan (CPP), Old Age Security (OAS), Guaranteed Income Supplement (GIS), and key provincial credits like the Ontario Trillium Benefit (OTB) and Alberta Child and Family Benefit (ACFB).
For many families and seniors, these two months will deliver the highest concentration of support before the holidays.
Why So Many Payments Are Arriving in Late 2025
The last quarter of the year traditionally brings a heavier schedule of benefit deposits, but 2025 has an especially packed cycle.
While programs like the GST/HST credit and Canada Carbon Rebate do not have November or December payments, other major supports fall naturally within these months.
The dates are clustered in such a way that households will see two waves of deposits:
Wave 1: 20–27 November 2025
This includes:
- CCB on 20 November
- OTB on 10 November
- CPP, OAS, GIS on 26 November
- ACFB on 27 November
- Veterans’ Disability Pension near month-end
Because banks often post funds early or on the next business day, many Canadians will see money landing between 25 and 27 November, creating the “first round” effect.
Wave 2: 10–22 December 2025
This includes:
- OTB on 10 December
- CCB on 12 December
- CPP, OAS, GIS on 22 December
- Veterans’ Disability Pension on 23 December
For households managing holiday expenses or year-end bills, this staggered schedule ensures continuous support throughout December.
Complete November & December 2025 Payment Schedule
| Benefit / Program | Administered By | Nov 2025 Date | Dec 2025 Date | 2025 Payment Details |
|---|---|---|---|---|
| Canada Child Benefit (CCB) | CRA | 20 Nov | 12 Dec | Up to $7,997/year per child under 6 and $6,748/year per child aged 6–17 |
| CPP Retirement Pension | Service Canada | 26 Nov | 22 Dec | Max about $1,433/month at age 65 |
| Old Age Security (OAS) | Service Canada | 26–27 Nov | 22 Dec | Max $740.09/month (65–74) or $814.10/month (75+) |
| Guaranteed Income Supplement (GIS) | Service Canada | 26 Nov | 22 Dec | For low-income seniors; max about $1,105.43/month |
| Ontario Trillium Benefit (OTB) | CRA (Ontario) | 10 Nov | 10 Dec | Monthly benefit for energy, sales tax, and property tax costs |
| Alberta Child and Family Benefit (ACFB) | CRA (Alberta) | 27 Nov | – | Final quarterly instalment of 2025 |
| Veterans’ Disability Pension | Veterans Affairs | 27 Nov | 23 Dec | Monthly non-taxable pension |
How Much Can a Family Expect?
Families receiving the Canada Child Benefit could see significant support in both months. A family with two eligible children may receive:
- Up to $666.41 per child under 6
- Up to $562.33 per child aged 6–17
These amounts repeat again in December, giving families consistent support. When combined with the Ontario Trillium Benefit or ACFB, a household may receive over $1,000 in tax-free payments across these two months.
How Much Support Will Seniors Receive?
Seniors receiving CPP, OAS, and GIS will get two important deposits near month-end:
- 26 November 2025
- 22 December 2025
A senior entitled to the maximum amounts could receive more than $2,000 per month when these programs are combined. GIS, which increases for lower-income seniors, provides an especially important buffer before the holiday season.
No GST/HST or Carbon Rebate Payments in Late 2025
Despite online rumours, no GST/HST credit or Canada Carbon Rebate payments are scheduled in November or December 2025.
These programs follow different timelines, so the “multiple cheques” Canadians receive will come mainly from CCB, CPP, OAS, GIS, and provincial benefits.
Canadians can expect two strong rounds of financial support this year—one at the end of November and another in December.
With rising expenses, these scheduled payments play an essential role in helping families and seniors manage bills and holiday costs.
Understanding the exact dates and amounts ensures that households can plan ahead and make full use of the tax-free benefits available before the year ends.
FAQs
When is the first round of CRA benefit cheques coming?
The first wave of deposits arrives between 20–27 November 2025, with most major payments landing around 25 November.
Are there extra or bonus payments in 2025?
No special one-time CRA bonuses are confirmed. All payments follow the regular 2025 schedules for CCB, CPP, OAS, GIS, OTB, and ACFB.
How do I confirm which payments I will receive?
Check CRA My Account for CCB and provincial credits, and My Service Canada Account for CPP, OAS, and GIS.