Knowing exactly when your monthly benefits will arrive can make a big difference especially during a month like November, when expenses tend to rise before winter and the holiday season. The Canada Revenue Agency (CRA) and Service Canada have now locked in the official November 2025 deposit dates for the Canada Pension Plan (CPP), Old Age Security (OAS), the Canada Child Benefit (CCB), and a few key provincial payments. If you rely on these benefits for your day-to-day financial planning, this updated payment calendar will help you stay prepared and avoid any last-minute stress.
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Why November CRA Payments Matter
November is always a crucial month for seniors, families, and low-income workers because it marks the point in the year when heating bills climb, grocery prices fluctuate, and holiday-related expenses begin to appear. For millions of Canadians, benefits like CPP, OAS, and the CCB form the core of their monthly income, which means staying informed about the exact deposit dates is more than helpful, it’s necessary for proper budgeting. Since most CRA benefits are delivered through direct deposit, knowing the confirmed dates in advance helps recipients manage bills, plan purchases, and stay ahead of unexpected expenses.
The CRA and Service Canada continue to update their benefit programs online, and by keeping your information updated through your CRA My Account or Service Canada portal, you can avoid payment hold-ups that often occur when banking or personal details are outdated. Official CRA information can always be verified at: https://www.canada.ca/en/revenue-agency.html.
Confirmed CRA Benefit Payments for November 2025
To make planning easier, here is the full overview of all CRA and provincial payments scheduled for November 2025. These dates have been finalized and are expected to remain unchanged unless technical delays occur.
| Benefit Type | Payment Date (November 2025) |
|---|---|
| Canada Pension Plan (CPP) | 26 November 2025 |
| Old Age Security (OAS) | 26 November 2025 |
| Canada Child Benefit (CCB) | 20 November 2025 |
| Ontario Trillium Benefit (OTB) | 10 November 2025 |
| Alberta Child & Family Benefit | 27 November 2025 |
| Veterans Disability Pension | 27 November 2025 |
| GST/HST Credit | No November payment |
| Canada Workers Benefit (CWB) | No November payment |
| Climate Action Incentive | No November payment |
CPP and OAS will arrive on the same date once again this month, which is helpful for retirees who prefer receiving both payments together. However, payments like GST/HST credits, the Canada Workers Benefit, and the Carbon Rebate won’t be issued this month because they follow quarterly schedules.
Who Qualifies for These November Payments?
Eligibility varies for each benefit, but the general rules remain consistent. CPP is available to individuals who contributed during their working years and have reached the retirement threshold, typically between 60 and 70. OAS is meant for seniors aged 65 and older who meet residency requirements, regardless of previous employment. Meanwhile, the CCB helps families with children under 18 by providing tax-free monthly payments based on income level, number of children, and family circumstances.
Programs such as the Ontario Trillium Benefit or the Alberta Child and Family Benefit apply to specific provinces and are usually tied to income thresholds and residency status. Veterans receiving disability pensions will also see their compensation arrive toward the end of the month. Exact eligibility details for each benefit can be found on the official Government of Canada site: https://www.canada.ca.
What Beneficiaries Can Expect in Terms of Amounts
Although payment amounts can shift depending on annual indexation and personal circumstances, current ranges remain fairly consistent. The average CPP monthly amount is about $1,433, though many Canadians receive less depending on contributions. OAS payments typically range from $745 to $814, and may increase slightly for seniors over age 75. The CCB pays approximately $666 per month for children under 6 and $592 for children aged 6-17. These amounts remain tax-free, making them essential income support for many families and individuals.
How to Manage Your CRA Payments Smoothly
Managing your benefits has become easier than ever thanks to online portals. By logging into CRA My Account, you can update your banking information, change your address, check your payment dates, and track any pending applications. Service Canada also provides real-time updates for OAS and CPP recipients. Using direct deposit is strongly recommended because it ensures faster, more reliable access to funds with fewer disruptions. If your payment is delayed, it is often due to incorrect banking details or incomplete tax filings, so staying on top of this information is the best way to avoid interruptions.
FAQs
- When will CPP and OAS be paid this month?
Both CPP and OAS deposits are scheduled for 26 November 2025. - How can I check the status of my CRA payments?
You can log into CRA My Account to view pending payments, recent deposits, updates, and your benefit eligibility. - Are these payments taxable?
CPP is taxable, while OAS and the CCB are non-taxable. Provincial benefits may vary depending on the program. - What should I do if my payment is late?
Check your banking details, confirm your tax filings are up to date, and contact the CRA if you notice a delay beyond 48 hours after the scheduled date.
