As November 2025 approaches, millions of Canadian families and individuals are preparing for several important benefit payments from the Canada Revenue Agency (CRA) and Service Canada. Understanding these payment schedules helps households budget effectively during a time when rising costs continue to challenge many Canadians.
This comprehensive guide covers all the major federal benefit payments scheduled for November 2025, including eligibility requirements, payment amounts, and how to ensure you receive your benefits on time.
Major CRA Payments in November 2025
Canada Child Benefit (CCB) – November 20, 2025
The Canada Child Benefit payment for November is scheduled for November 20, 2025. This tax-free monthly payment provides crucial support to families raising children under 18 years of age.
Maximum Payment Amounts for 2025-2026:
- Children under 6 years: $7,997 annually ($666.41 per month)
- Children aged 6 to 17: $6,748 annually ($562.33 per month)
Who Qualifies: To receive the CCB, you must:
- Be a Canadian resident for tax purposes
- Live with a child under 18 years old
- Be primarily responsible for the child’s care and upbringing
- File your annual tax return, even if you have no income
Income-Tested Benefits: These maximum amounts start being reduced when adjusted family net income exceeds $37,487. The benefit gradually decreases as household income rises, ensuring support reaches families who need it most.
Canada Pension Plan (CPP) and Old Age Security (OAS) – November 26, 2025
Senior citizens can expect their regular pension payments on November 26, 2025. These payments provide essential income support for retired Canadians.
CPP Payments: The Canada Pension Plan provides monthly income to retirees who contributed to the plan during their working years. Payment amounts vary based on:
- Years of contribution to CPP
- Average earnings throughout your career
- Age when you started receiving benefits
OAS Payments: Old Age Security is available to Canadians aged 65 and older who meet residency requirements. The amount you receive depends on:
- How long you’ve lived in Canada after age 18
- Your current income level
- Whether you qualify for the Guaranteed Income Supplement (GIS)
Important Note: Both payments arrive through direct deposit or mailed cheque. Direct deposit recipients typically see funds in their accounts on the payment date, while cheques may take additional time to arrive by mail.
Ontario Trillium Benefit (OTB) – November 10, 2025
For Ontario residents, the Ontario Trillium Benefit payment is scheduled for November 10, 2025. This provincial benefit combines three important credits:
- Ontario Sales Tax Credit (OSTC): Helps offset the 13% HST on purchases
- Ontario Energy and Property Tax Credit (OEPTC): Assists with energy bills and property taxes
- Northern Ontario Energy Credit (NOEC): Extra support for residents in Northern Ontario facing higher heating costs
The OTB can provide up to $2,100 annually for eligible families, delivered in monthly installments of approximately $175.
What About GST/HST Credit in November?
Many Canadians are searching for information about a GST/HST credit payment in November 2025. It’s important to clarify: there is no regular GST/HST credit payment scheduled for November 2025.
The GST/HST credit follows a quarterly payment schedule with payments issued in January, April, July, and October. The next scheduled GST/HST credit payment after October 2025 will be January 3, 2026.
GST/HST Credit Payment Schedule for 2025:
- January 3, 2025
- April 4, 2025
- July 4, 2025
- October 3, 2025
- January 3, 2026 (next payment)
Maximum Annual Amounts: For the benefit year, eligible Canadians can receive:
- Single individuals: Up to $519 annually
- Couples: Up to $698 annually
- Additional amount per child under 19: Up to $184 annually
Beware of Misinformation About Non-Existent Payments
The official Canada.ca website has warned that there is disinformation online about new one-time payments from the Government of Canada. Several unreliable websites have been spreading false claims about:
- A $1,000 grocery rebate payment
- A $2,000 one-time benefit
- Special $680 payments
- Other non-existent benefits
How to Verify Information: Always check official government sources:
- Canada.ca (official Government of Canada website)
- CRA My Account portal
- Your provincial government’s official website
Legitimate CRA communications will never ask for banking information via email or text message. If you receive suspicious messages claiming to be from the CRA, report them and verify any benefit information through official channels.
How to Ensure You Receive Your Benefits
1. File Your Tax Return On Time
Even if you have no income, filing your annual tax return is essential. The CRA uses your tax return to:
- Calculate your benefit amounts
- Determine your eligibility
- Update your family situation
- Adjust payments based on income changes
2. Set Up Direct Deposit
Direct deposit is the fastest and most secure way to receive benefits. To enroll:
- Log into CRA My Account
- Select “Direct deposit”
- Provide your banking information
- Save and confirm your details
3. Keep Your Information Current
Notify the CRA immediately if you have changes to:
- Your address
- Marital status
- Number of children or dependents
- Banking information
- Custody arrangements
4. Use CRA My Account
The CRA My Account portal allows you to:
- View upcoming payment dates
- Check benefit amounts
- Update personal information
- Access tax documents
- Sign up for email notifications
Provincial and Territorial Top-Ups
Many provinces and territories offer additional child benefits that are paid alongside federal programs. These include:
- Alberta Child and Family Benefit
- British Columbia Family Benefit
- Ontario Trillium Benefit
- Quebec Family Allowance
These provincial supplements are automatically calculated and paid when you receive your Canada Child Benefit, provided you file your taxes and qualify based on provincial residency.
What to Do If Your Payment Is Delayed
If you haven’t received your expected payment:
- Wait 5 business days past the scheduled payment date before contacting the CRA
- Check your CRA My Account to verify your payment status and banking information
- Ensure your taxes are filed – unfiled returns can delay or stop payments
- Verify your eligibility hasn’t changed due to income or family status updates
- Contact the CRA through official channels if the issue persists
Planning for the Holiday Season
November benefits arrive at an important time, as many families prepare for holiday expenses. With the Canada Child Benefit arriving on November 20 and senior payments on November 26, Canadians can better plan for:
- Holiday shopping and gifts
- Increased heating costs as winter approaches
- Year-end expenses and bills
- Travel to visit family
Key Takeaways
- November 20: Canada Child Benefit payment (up to $666.41 per child under 6 monthly)
- November 26: CPP and OAS payments for seniors
- November 10: Ontario Trillium Benefit for Ontario residents
- No GST/HST payment in November – next payment is January 3, 2026
- Beware of misinformation about non-existent $1,000 or $2,000 payments
Conclusion
Understanding your CRA payment schedule for November 2025 helps you plan your finances confidently. The Canada Child Benefit, CPP, OAS, and provincial benefits like the Ontario Trillium Benefit provide crucial support to millions of Canadian households.
Always verify benefit information through official government sources, keep your CRA account information current, and file your taxes on time to ensure uninterrupted payments. By staying informed and proactive, you can maximize the benefits available to you and your family.
For the most current information about CRA benefits and payment dates, visit Canada.ca or log into your CRA My Account portal.
