Millions of Canadians rely on monthly and quarterly benefits to help cover everyday costs. Knowing the exact November 2025 payment dates helps you plan bills, avoid overdrafts, and spot issues early if a deposit is delayed. Below is a complete, plain-language guide to the Canada Revenue Agency (CRA) and related federal or provincially administered benefits coming in November 2025, what each program does, and the simple steps you can take to keep payments flowing smoothly.
Table of Contents
CRA Payment Dates for November 2025 Quick Summary
Particulars |
Details |
|---|---|
Month covered |
November 2025 |
Confirmed payment dates |
OTB: Nov 10; CCB and CDB: Nov 20; CPP and OAS (incl. GIS): Nov 26; ACFB and Veterans Disability Pension: Nov 27 |
Programs with no November payment |
GST/HST Credit (quarterly Jan/Apr/Jul/Oct) and Advanced Canada Workers Benefit (ACWB) (Jan/Jul/Oct) |
How to get paid faster |
Enable Direct Deposit and verify banking in CRA My Account |
What can delay payments |
Late tax filing, outdated address/banking, unreturned CRA requests, eligibility reviews |
Official site |
https://www.canada.ca (CRA My Account and program pages) |
November 2025 CRA Payment Schedule (At a Glance)
Benefit / Credit |
Date (Nov 2025) |
What it covers |
|---|---|---|
Ontario Trillium Benefit (OTB) |
Nov 10 |
Monthly payment that bundles the Ontario Sales Tax Credit, Ontario Energy and Property Tax Credit, and Northern Ontario Energy Credit. Some people choose a single lump sum in July instead of monthly. |
Canada Child Benefit (CCB) |
Nov 20 |
Tax-free monthly support for families with children under 18. Amounts depend on adjusted family net income and children’s ages. |
Canada Disability Benefit (CDB) |
Nov 20 |
Monthly income support for eligible working-age persons with disabilities; coordinates with other programs. |
Canada Pension Plan (CPP) |
Nov 26 |
Monthly pension for contributors; also includes CPP Disability, Survivor, and Children’s benefits paid on the same date. |
Old Age Security (OAS) / Guaranteed Income Supplement (GIS) |
Nov 26 |
Monthly income for most Canadians 65+ (OAS), with GIS for low-income seniors. |
Alberta Child and Family Benefit (ACFB) |
Nov 27 |
Quarterly benefit for eligible Alberta families; includes base and working components. |
Veterans Disability Pension |
Nov 27 |
Monthly tax-free pension for eligible Veterans with service-related disabilities. |
Advanced Canada Workers Benefit (ACWB) |
No Nov payment |
Paid in Jan/Jul/Oct to advance part of the Canada Workers Benefit. |
GST/HST Credit |
No Nov payment |
Paid quarterly in Jan/Apr/Jul/Oct to offset sales tax for modest-income households. |
Program-by-Program Details
Canada Child Benefit (CCB) November 20, 2025
The CCB is a tax-free monthly payment to eligible families raising children under 18. The amount you receive depends on your adjusted family net income, marital status, and the number and ages of your children. Payments typically land around the 20th of each month; Thursday, November 20, 2025 is the scheduled date. Direct deposit usually posts the same day, while mailed cheques can take several days.
Keep it uninterrupted: file your 2024 return on time, update marital status and number of dependents if they changed, and confirm your address and banking in CRA My Account.
Canada Disability Benefit (CDB) November 20, 2025
The CDB provides monthly support for eligible working-age persons with disabilities. Amounts and interactions with provincial/territorial programs can vary. The November 2025 deposit is scheduled for Nov 20. Keep disability status and tax filings current; respond promptly if CRA requests additional information.
CPP November 26, 2025
The Canada Pension Plan pays contributors a monthly amount in retirement, as well as disability and survivor benefits. All related CPP benefits follow the same payment calendar, with Wednesday, November 26, 2025 as the deposit date. Direct deposit is fastest; cheques take longer due to mail time.
OAS and GIS November 26, 2025
Old Age Security (OAS) is paid monthly to most residents aged 65+ who meet residency rules. Many seniors with low income also receive the Guaranteed Income Supplement (GIS). For November 2025, payments align with CPP on Nov 26, making month-end planning simpler.
Tip: approaching age 65? Apply several months in advance so your first OAS arrives on time. Keep residency and income information current to avoid interruptions.
Ontario Trillium Benefit (OTB) November 10, 2025
OTB combines three Ontario credits into one payment: the Ontario Sales Tax Credit, Ontario Energy and Property Tax Credit, and the Northern Ontario Energy Credit. The next monthly deposit is Monday, November 10, 2025. Some people choose one lump sum in July; if you prefer monthly installments, select that option when you file your return.
Alberta Child and Family Benefit (ACFB) November 27, 2025
ACFB pays quarterly to eligible Alberta families with children under 18. It includes a base component (for eligible families) and a working component (for those with employment income). The final 2025 installment is Thursday, November 27, 2025.
Veterans Disability Pension November 27, 2025
This monthly tax-free pension supports eligible Veterans with service-related disabilities. Direct deposits are expected Nov 27, 2025. Those receiving cheques should account for mailing time. Check your My VAC Account for notices or changes.
Benefits With No November 2025 Payment
- GST/HST Credit: paid quarterly in January, April, July, and October. No November deposit.
- Advanced Canada Workers Benefit (ACWB): advances paid January, July, and October. No November deposit.
Plan your November budget accordingly if you rely on these programs.
How to Avoid Delays and Keep Payments Smooth
- File your taxes early and every year
Many benefits (CCB, GST/HST, ACWB) are recalculated using your most recent assessed return. If you have not filed your 2024 return, do it now. - Verify direct deposit
Direct deposit is faster and avoids postal delays. If you changed banks, update CRA My Account at least two weeks before the next payment. - Keep personal details current
Changes in marital status, address, or dependents can change amounts or halt payments until updated. Report changes promptly. - Watch your CRA My Account
Check messages and “Mail” for verification requests or notices. Respond before deadlines to prevent holds. - Budget for off-months
Because GST/HST and ACWB skip November, total benefit income may be lower this month. Build a small buffer where possible.
Frequently Asked Questions
1) I did not get my deposit on the date listed. What should I do?
First, allow one to two business days for bank posting. Then check CRA My Account for messages. If nothing appears after a reasonable period, contact CRA.
2) My marital status, address, or number of children changed. Will my payments change?
Yes. Many benefits are income- and family-based. Update details in CRA My Account to avoid overpayments or interruptions.
3) Can I switch OTB from a lump sum to monthly?
Yes select your preference when filing your tax return for the next benefit year.
4) Why does my CPP or OAS amount differ from a friend’s?
CPP depends on your contribution history and the age you started. OAS varies with age and residency. GIS depends on income and marital status.
5) How can I get paid faster?
Always use Direct Deposit, ensure your bank info is correct, and keep your CRA My Account details up to date.
6) Do I have to reapply for CCB every year?
Generally no, but you must file your taxes annually. CRA uses your return to recalculate your entitlement for the next payment year.
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