Every month, millions of Canadians depend on benefit payments administered through the Canada Revenue Agency (CRA) to help manage daily living expenses, care for their families, and support retirement or disability needs. These federal payments are essential to the financial stability of households across the country. Whether it’s the Canada Child Benefit (CCB), Old Age Security (OAS), the Canada Pension Plan (CPP), or provincial programs such as the Ontario Trillium Benefit (OTB), knowing exactly when payments will arrive is key to effective budgeting.
As November 2025 approaches, the CRA has already confirmed the official schedule for that month’s payments. Understanding when each benefit is issued helps recipients avoid confusion, plan their finances responsibly, and anticipate any gaps in income that might occur if their benefit isn’t paid that month. This article breaks down all the confirmed November 2025 CRA payment dates, explains each program briefly, and provides tips on how to ensure your payments arrive smoothly and on time.
Table of Contents
CRA Payment Schedule for November 2025
The CRA payment schedule for November 2025 outlines when major federal and some provincial benefits will be deposited. Below is the complete overview for that month.
| Benefit / Credit | Payment Date (November 2025) | Description / Notes |
|---|---|---|
| Canada Child Benefit (CCB) | November 20, 2025 | Monthly tax-free payment for families with children under 18. |
| Canada Pension Plan (CPP) | November 26, 2025 | Monthly pension for retired, disabled, or surviving contributors. |
| Old Age Security (OAS) / Guaranteed Income Supplement (GIS) | November 26, 2025 | Monthly payment for seniors; same date as CPP. |
| Canada Disability Benefit (CDB) | November 20, 2025 | Monthly support for eligible persons with disabilities. |
| Ontario Trillium Benefit (OTB) | November 10, 2025 | Combines provincial energy, property tax, and sales tax credits. |
| Alberta Child and Family Benefit (ACFB) | November 27, 2025 | Quarterly benefit for low- and moderate-income Alberta families with children. |
| Veterans Disability Pension | November 27, 2025 | Monthly pension for eligible veterans with service-related disabilities. |
| Advanced Canada Workers Benefit (ACWB) | No payment in November | Paid quarterly in January, July, and October only. |
| GST / HST Credit | No payment in November | Paid quarterly in January, April, July, and October. |
Canada Child Benefit (CCB)
The Canada Child Benefit is one of the most widely used programs across the country. It provides tax-free monthly payments to eligible families with children under the age of 18. The amount a family receives depends on their adjusted family net income and the number and ages of their children.
For 2025, the CCB continues to follow a consistent monthly schedule, with payments typically issued around the 20th of each month. For November, families can expect their CCB on Thursday, November 20, 2025. Families who are enrolled for direct deposit usually receive the money on the same day, while mailed cheques may take a few days longer to arrive.
The CCB is adjusted annually to reflect inflation and cost-of-living increases. To remain eligible, parents must file their 2024 tax returns on time, even if they have little or no income. Missing a tax filing can cause delays or interruptions in payments, so filing early and ensuring personal details—such as marital status, dependents, and address—are up to date is crucial.
Canada Pension Plan (CPP)
The Canada Pension Plan provides monthly taxable benefits to contributors who have retired, become disabled, or to survivors and children of deceased contributors. Payments are automatically adjusted each year to reflect cost-of-living changes.
For November 2025, CPP recipients will receive their payments on Wednesday, November 26, 2025. This date also applies to all related benefits under the CPP umbrella, including disability, survivor, and children’s benefits.
Recipients who have opted for direct deposit will receive funds automatically in their bank account on the payment date. For those receiving cheques, the payment may take a few extra days depending on postal delivery times.
Old Age Security (OAS) and Guaranteed Income Supplement (GIS)
Old Age Security is a monthly benefit for Canadians aged 65 and older who meet the residency requirements. Many OAS recipients also qualify for the Guaranteed Income Supplement (GIS), which provides additional financial assistance to low-income seniors.
For November 2025, both OAS and GIS payments are scheduled for November 26, 2025, aligning with the CPP payment date. This synchronization simplifies financial planning for seniors who receive multiple benefits.
Seniors should ensure their income and residency information remain current with Service Canada to avoid any disruptions. Those approaching age 65 should apply several months in advance to ensure payments begin promptly.
Canada Disability Benefit (CDB)
The Canada Disability Benefit provides monthly support to eligible individuals living with disabilities. The benefit aims to reduce poverty and improve financial security for Canadians who face barriers to stable income due to disability.
For November 2025, the CDB payment date is set for Thursday, November 20, 2025. Payment amounts vary depending on individual eligibility and income thresholds.
To continue receiving this benefit, recipients must keep their disability status up to date with CRA and ensure their tax filings are complete each year. If a reassessment or review occurs, CRA may temporarily withhold or adjust payments until the update is finalized.
Ontario Trillium Benefit (OTB)
The Ontario Trillium Benefit consolidates three provincial tax credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit. Administered through the CRA, the OTB helps offset energy, property, and sales tax costs for eligible residents.
For November 2025, the OTB will be issued on Monday, November 10, 2025. This monthly schedule continues throughout the year, with payments made around the 10th of each month.
Depending on the total annual amount, some individuals may receive their entire OTB as a single lump-sum payment in July instead of monthly installments. Those who wish to switch to monthly payments can do so when filing their tax returns.
Alberta Child and Family Benefit (ACFB)
The Alberta Child and Family Benefit provides quarterly payments to lower- and middle-income families with children under 18. The benefit combines both a base component for all eligible families and a working component for families with earned income.
The ACFB is paid four times a year, and for 2025, one of those dates falls in November. The November 27, 2025 payment marks the final installment of the year.
Eligibility is determined through tax filings, and no separate application is required. As with other benefits, keeping tax returns up to date ensures automatic consideration and uninterrupted payments.
Veterans Disability Pension
The Veterans Disability Pension provides monthly, tax-free payments to eligible veterans with disabilities resulting from service in the Canadian Armed Forces. The pension amount depends on the degree of disability and other eligibility factors.
The payment date for November 2025 is scheduled for Thursday, November 27, 2025. Veterans who receive direct deposits should see funds in their accounts on that day. For those receiving cheques, standard mailing delays may apply.
Recipients are encouraged to review their My VAC Account to monitor any updates, correspondence, or potential adjustments related to their benefits.
Advanced Canada Workers Benefit (ACWB)
The Advanced Canada Workers Benefit supports low-income workers by providing refundable tax credits in advance of the annual tax refund. It’s designed to encourage workforce participation and supplement wages for those earning below certain thresholds.
However, the ACWB is only paid three times a year—in January, July, and October. There is no ACWB payment in November 2025. The next scheduled payment after October 2025 will occur in January 2026.
Workers relying on this benefit should plan accordingly, as there will be a two-month gap between the October and January payments.
GST / HST Credit
The GST / HST Credit is a quarterly, tax-free payment that helps lower- and middle-income individuals and families offset the cost of goods and services taxes. It is automatically paid out to eligible Canadians who file their taxes, even if they have no income.
For 2025, the payment dates are January 3, April 4, July 4, and October 3. That means there is no GST / HST payment scheduled in November 2025.
If your income or family situation changes during the year, the CRA may reassess your eligibility, and adjustments could be reflected in the next quarterly payment.
Key Things to Know Before November
1. Keep your tax filings up to date
Most federal and provincial benefits administered by the CRA are calculated using information from your most recent tax return. Failure to file or delayed filing can cause benefit interruptions or overpayment adjustments later in the year.
2. Update your personal information
Changes in marital status, number of dependents, or address can affect your eligibility and payment amounts. It’s important to notify the CRA of any changes as soon as they occur to prevent delays.
3. Verify your direct deposit information
Direct deposit is the fastest and most reliable way to receive benefits. Ensure your banking details are correct in your CRA My Account. If you switch banks, update your details at least two weeks before the next scheduled payment.
4. Expect potential delays during processing
Occasionally, CRA may request additional documentation or verification, especially when reviewing eligibility for new or changed benefits. Respond promptly to any requests to prevent late payments.
5. Plan for months without certain benefits
Because some programs like the GST/HST Credit and the Advanced Canada Workers Benefit do not pay out in November, recipients should prepare for smaller total benefit income that month. Creating a monthly budget can help cushion these gaps.
Practical Tips for November Benefit Recipients
- Set reminders a few days before each payment date to track deposits.
- Check your CRA My Account regularly to confirm scheduled payment amounts and dates.
- Use direct deposit whenever possible to avoid postal delays.
- Track multiple benefits if you receive more than one (e.g., CCB and OAS). Many arrive on different days.
- Respond quickly to CRA letters or verification requests to avoid suspension of payments.
- Review your benefit notices in December, as annual adjustments and indexation may affect amounts starting in January 2026.
Final Thoughts
November 2025 will bring several important CRA benefit payments, with key dates including November 10 for the Ontario Trillium Benefit, November 20 for the Canada Child Benefit and Canada Disability Benefit, November 26 for CPP and OAS, and November 27 for the Alberta Child and Family Benefit and Veterans Pension.
These payments form an essential lifeline for millions of Canadians, ensuring continued financial stability and support through the latter part of the year. Taking proactive steps—such as keeping tax filings current, confirming banking details, and monitoring the CRA My Account—can help guarantee a smooth payment process.
For Canadians who rely on these programs, understanding the payment schedule isn’t just about knowing when money will arrive—it’s about planning with confidence and maintaining financial control month after month.
