CRA Benefits Payment Dates for October 2025: Check OTB, CPP, GST, OAS & CAIP Amount & Eligibility

If the month’s bills, groceries, and rent revolve around government deposits, October 2025 is one to markup clearly. The monthly lineup is simple: GST/HST Credit arrives Friday October 3, Ontario Trillium Benefit (OTB) and the Advanced Canada Workers Benefit (ACWB) both hit Friday October 10, and seniors’ benefits CPP and OAS drop Wednesday October 29. There’s no Canada Carbon Rebate (formerly CAIP) scheduled in October this cycle. The smartest way to keep things smooth is to ensure the 2024 return is filed, direct deposit details are current, and bank posting times are factored into planning.

The key dates guide cash flow at a glance: October 3 for GST/HST; October 10 for OTB and ACWB; October 29 for CPP and OAS; and no CCR installment this month. Each benefit has its own eligibility, assessment rules, and frequency. That means even when two payments share a date (like OTB and ACWB), their calculation and deposit processes remain separate, and one arriving doesn’t guarantee the other unless the underlying criteria are met.

CRA Benefits Payment Dates For October 2025

Benefit	October 2025 date	Who pays	Core notes	Amount guidance
GST/HST Credit	October 3, 2025	CRA	Quarterly deposit; based on 2024 return and family size	Annual entitlement split into four parts
Ontario Trillium Benefit (OTB)	October 10, 2025	CRA (Ontario)	Combines OEPTC, NOEC, OSTC	Monthly unless lump-sum elected or required
Advanced Canada Workers Benefit (ACWB)	October 10, 2025	CRA	Advance installment of the CWB	Based on prior-year assessed eligibility
Canada Pension Plan (CPP)	October 29, 2025	Service Canada	Retirement/disability/survivor	Amounts vary by contributions and start age
Old Age Security (OAS)	October 29, 2025	Service Canada	Age 65+ benefit; GIS may apply	Higher incomes face recovery tax
Canada Carbon Rebate (CCR/CAIP)	Not in October	CRA	Quarterly-style schedule without an October date	Amount varies by province and family size

GST/HST Credit: October 3

This quarter’s GST/HST Credit rounds out the 2025 calendar on Friday October 3. Eligibility and amounts are determined from the 2024 return and depend on adjusted family net income plus household size. If banking details are up to date in CRA My Account, many recipients see deposits early morning to mid-day on payday depending on the institution. Cheques take longer and can vary by local mail timelines. If a deposit doesn’t show by end of day, it’s normal to allow a few business days before starting a payment trace.

Ontario Trillium Benefit and ACWB: October 10

OTB and ACWB share the same deposit date this month—Friday October 10—but they’re very different programs. OTB bundles three Ontario credits (energy/property, Northern energy, sales tax) into one monthly deposit for eligible residents, unless the entitlement is small and paid as a lump-sum in July or a lump-sum option was selected. ACWB is an advance on the Canada Workers Benefit for low- to modest-income workers; the advance is based on the latest assessed return and is paid in scheduled installments through the year.

A quick way to confirm both: review CRA My Account a few days before October 10 for pending or “issued” statuses. If OTB arrives but ACWB doesn’t, check CWB eligibility on the prior return, income thresholds, and marital/household changes that could adjust entitlement. If ACWB arrives but OTB doesn’t, ensure Ontario residency, credit claims, and property/rent/energy details on the return were correct.

CPP and OAS: October 29

CPP and OAS both land on Wednesday October 29, giving retirees a reliable late-month anchor for budgeting. CPP amounts depend on lifetime contributions, average pensionable earnings, and chosen start age; disability and survivor streams follow their own rules. OAS begins at 65, is tied to residency history, and can be affected by the recovery tax for higher incomes. Low-income seniors may also receive GIS alongside OAS if they meet the income test.

Practical step: confirm Service Canada direct deposit details, especially after any bank switches or name changes. If a deposit is missing on the 29th, many banks post through the day, so checking by evening or next morning often resolves uncertainty. Allow a few business days before requesting a trace.

Where CAIP/CCR fits This Month

There’s no CCR payment in October 2025 under this year’s schedule. CCR follows a quarterly-style cadence, but months vary by year. That makes it important not to plan October cash flow around a carbon rebate. A quick review of CRA My Account ahead of expected quarters helps avoid surprises and ensures the next CCR credit hits the right account.

Eligibility Snapshots and Quick Checks

1. GST/HST Credit:
   • Based on 2024 adjusted family net income and household size.
   • Paid quarterly; October is the final 2025 calendar deposit.
   • Action: verify marital status and dependants are updated.
2. Ontario Trillium Benefit (OTB):
   • For Ontario residents eligible for one or more of OEPTC, NOEC, OSTC.
   • Monthly on the 10th unless paid as a lump-sum in July.
   • Action: review rent/property tax/energy numbers reported on the return.
3. Advanced Canada Workers Benefit (ACWB):
   • Advance installment of CWB for low- to moderate-income workers.
   • Based on prior-year assessed return and program thresholds.
   • Action: confirm income, marital status, and province on file.
4. Canada Pension Plan (CPP):
   • Requires valid contributions and meeting benefit criteria.
   • Amounts personalized by contributions and start age.
   • Action: check Service Canada for expected deposit and any changes.
5. Old Age Security (OAS):
   • Age 65+ with residency history; GIS possible for low incomes.
   • Recovery tax applies above certain income thresholds.
   • Action: confirm direct deposit and watch for tax slips and clawback notices.

What to do if a Payment is Late

• First, give it a business day or two—banks post at different times and cheques can be delayed by mail.
• Check the relevant portal: CRA My Account for GST/HST, OTB, ACWB; Service Canada for CPP/OAS.
• Confirm direct deposit details, especially after recent bank changes.
• Look for eligibility changes: marital status, dependants, province of residence, income shifts.
• If still missing after the standard window, request a trace through the responsible agency.

Budgeting Tips for October 2025

• Map expenses to deposits:
  • Use GST/HST on October 3 for early-month groceries and utilities.
  • Use OTB/ACWB on October 10 to bridge mid-month bills or debt payments.
  • Reserve CPP/OAS on October 29 for rent, prescriptions, and end-of-month essentials.
• Automate savings:
  • Skim a small percentage from each deposit to an emergency fund before spending.
• Avoid NSF risk:
  • Schedule auto-debits a day or two after deposit dates to allow for bank posting times.

Documentation Checklist

• 2024 return filed and assessed.
• Marital status and dependant information up to date.
• Ontario residency details and rent/property/energy information accurate for OTB.
• Direct deposit details correct in CRA My Account and Service Canada.
• Banking changes and address updates processed at least a week before pay dates.

Common Reasons Payments Adjust or Stop

• A reassessment changed income or eligibility.
• A move to a different province, affecting OTB or CCR.
• Marital status changes altering family net income and credits.
• Bank account closed or changed without updating direct deposit.
• Reaching a birthday or age threshold affecting OAS start or GIS eligibility.

Canada Carbon Tax Rebate in 2026 – Check Eligibility, Payment Amount & Date

FAQs on CRA Benefits Payment Dates For October 2025