The CRA confirms the 2025 OTB payment date is October 10, and if you’re eligible for the Ontario Trillium Benefit, your monthly installment should have landed by direct deposit that day, with cheques arriving according to standard mail timelines. The Ontario Trillium Benefit bundles three provincial credits Ontario Energy and Property Tax Credit, Northern Ontario Energy Credit, and Ontario Sales Tax Credit and your October deposit typically equals one‑twelfth of your annual entitlement unless you opted for the lump‑sum in June 2026, all based on your 2024 tax return.
If you’ve been scanning for the date, CRA Confirms 2025 OTB Payment Date, Who’s Getting Paid on October 10? Check Payment Amount means exactly this: the Ontario Trillium Benefit pays on the 10th each month of the benefit year, and October 10, 2025 is the confirmed deposit date for this month’s installment. Your amount depends on your assessed 2024 return and any ON‑BEN claims for energy and property tax, and if you chose the lump‑sum option for amounts over 360, there’s no October monthly payment since the full payout is scheduled for June 2026.
Table of Contents
CRA Confirms 2025 OTB Payment Date
| Detail | What To Know |
|---|---|
| October 2025 OTB Payment Date | October 10, 2025; direct deposit typically the same day; cheques by mail |
| Benefit Year | July 2025 to June 2026, based on 2024 tax return |
| What OTB Includes | OEPTC + NOEC + OSTC combined into one payment |
| Monthly Vs Lump‑Sum | Monthly if annual > 360; one‑time in July if ≤ 360; lump‑sum in June 2026 for > 360 |
| How To Qualify | File 2024 return; complete ON‑BEN for OEPTC/NOEC; OSTC is automatic |
| Where To Track | CRA My Account → Benefits and Credits (dates, status, history) |
What Is the Ontario Trillium Benefit
The Ontario Trillium Benefit is a single, consolidated payment that merges three Ontario credits to help offset energy, property tax, and sales tax costs for eligible low‑ to moderate‑income residents. It’s administered by the CRA on behalf of Ontario, and your 2025 benefit cycle is determined using your 2024 tax return data and any ON‑BEN claims you filed.
October 10 Confirmed Date And Timing
The Ontario Trillium Benefit is set for October 10, 2025, following the regular mid‑month schedule. Direct deposits typically arrive the same day, while paper cheques follow postal timelines; enrolling in direct deposit is the simplest way to avoid delays.
Who’s Getting Paid On October 10
If you were assessed for the 2025 OTB cycle and your annual entitlement is greater than 360 with monthly payments selected, you should have received the October installment on October 10. If your entitlement is 360 or less, you were paid once in July and won’t see an October deposit, which is often the reason payments seem “missing.”
How Much Was Paid In October
Your October Ontario Trillium Benefit is generally one‑twelfth of your annual OTB unless you chose the lump‑sum payout; in that case, no monthly October amount is issued and the full balance is scheduled in June 2026. The final figure is income‑tested and reflects your family size, Northern Ontario residence status, and the rent, property tax, or home energy costs claimed for the base year.
Eligibility And How To Claim
To get the 2025 OTB, file your 2024 income tax and benefit return and complete ON‑BEN for OEPTC and/or NOEC; the OSTC component is calculated automatically. If your return is assessed later in the year, your first monthly payment typically starts a few weeks after assessment and continues on the 10th each month.
Monthly Vs Lump‑Sum Choice
For annual OTB amounts above 360, you can choose either monthly payments beginning in July or a single lump‑sum at the end of the benefit year, slated for June 2026. If your total is 360 or less, you receive a single payment in July, which is why there’s no separate October installment in that scenario.
Payment Method And Tracking
Direct deposit is the fastest and most reliable way to receive OTB, while paper cheques depend on mail schedules. Use CRA My Account to review your Benefits and Credits details, confirm banking information, and monitor payment history or any holds.
If Your Payment Didn’t Arrive
If your October 10 OTB didn’t show up, first check CRA My Account to confirm eligibility and payment status, verify your banking details, and allow a few business days for deposits to clear. Cheque recipients should factor in mail timelines and consider switching to direct deposit for future months.
October’s Benefit Cluster
October also includes other key CRA payments such as the quarterly GST/HST credit and the Canada Child Benefit later in the month, with the advance Canada Workers Benefit often landing on October 10 as well. Planning bills and essentials around these predictable dates can help stabilize monthly cash flow.
How OTB Amounts Are Calculated
OTB combines three income‑tested credits, so your total depends on your reported income, household composition, location (including Northern Ontario), and eligible rent, property tax, or home energy costs from the base year. Because the components phase out at higher incomes, some households may see smaller amounts or only qualify for certain parts of the combined credit.
Best Practices To Keep Payments On Track
File your return early, keep records for rent, property tax, and energy costs to support ON‑BEN, and promptly update any changes to marital status, dependents, or address. Setting up direct deposit and checking CRA My Account before the 10th of each month helps prevent surprises and avoids last‑minute corrections.
Budgeting Around The 10th
Since OTB generally lands on the 10th, schedule key payments shortly after that date to avoid overdrafts or missed bills. If the 10th falls on a weekend or holiday, be prepared for the payment to shift to the nearest business day according to standard scheduling rules.
Who Typically Sees Larger OTB Amounts
Seniors often qualify for higher OEPTC maximums, families with more members can receive more through the OSTC component, and Northern Ontario residents may add NOEC on top of OEPTC and OSTC. The specific mix depends on income and verifies living costs.
Who Might Receive Smaller Amounts
Higher‑income households experience phase‑outs that reduce OTB, and lower rent, property tax, or energy costs can limit OEPTC entitlement. Students in post‑secondary residence and long‑term care residents often face reduced maxima compared to standard renters or homeowners.
Annual Cycle And What’s Next
The OTB benefit year runs from July through June, so after October 10 the next expected monthly dates are November 10 and December 10, with business‑day adjustments if those dates fall on weekends or holidays. Mark the calendar to plan ahead for bills and recurring expenses.
CRA Confirms 2025 OTB Payment Date – Who’s Getting Paid on October 10? Check Payment Amount means eligible monthly recipients saw their deposit on October 10, while cheques follow by mail. If you didn’t receive a payment, check whether you were paid once in July due to a total of 360 or less or whether you chose the June 2026 lump‑sum, then verify your details in CRA My Account.
FAQs on CRA Confirms 2025 OTB Payment Date
When Exactly Was the October OTB Paid?
October 10, 2025 for direct deposit recipients, with cheques depending on postal delivery timelines and any local service advisories.
Why Didn’t I Receive an October OTB Payment?
If your annual 2025 OTB is 360 or less, you received a one‑time July payment; if you opted for the lump‑sum and your entitlement is over 360, there’s no October monthly deposit as the full amount is scheduled for June 2026.
How Do I Switch to Direct Deposit?
Sign in to CRA My Account and add or update your banking information in the Benefits and Credits section to ensure on‑time delivery.
What Determines My October OTB Amount?
Income, family size, Northern Ontario residence status, and verified 2024 rent, property tax, or home energy costs claimed via ON‑BEN collectively determine your monthly or lump‑sum amount.
