The Guaranteed Income Supplement (GIS) is one of the key financial supports for low-income seniors in Canada. For November 2025, the Canada Revenue Agency (CRA) has confirmed that GIS payments ranging from $660 to $1,097 will be directly deposited into the accounts of eligible seniors on 16 November 2025. This benefit plays a critical role in helping retirees and pensioners maintain financial stability amidst rising living costs.
In this article, we examine the latest payment schedule, eligibility criteria, and how Canadian seniors can easily verify their November 2025 deposit details.
GIS Payment Schedule for Canadian Seniors in November 2025
The CRA has officially announced that the next GIS deposit occurs on 16 November 2025. Seniors who qualify will receive between $660 and $1,097, depending on their income level and marital status. If you receive Old Age Security (OAS) and your annual income is below the federal threshold, you automatically qualify for GIS without needing to submit a separate application. GIS is paid monthly, and thousands of low-income retirees depend on it. Beneficiaries across Canada can expect these funds to reach their bank accounts by mid-November, provided they have set up direct deposit.
Updated GIS Deposit Dates for Canadian Pension Beneficiaries
For pensioners relying on the GIS benefit, the CRA’s simplified deposit calendar for November 2025 and subsequent months gives clarity on what to expect:
| Month | GIS Payment Date | Expected Amount Range | Eligibility Type |
|---|---|---|---|
| November 2025 | 16 November 2025 | $660 – $1,097 | Low-Income Seniors |
| December 2025 | 16 December 2025 | $660 – $1,097 | OAS Recipients |
| January 2026 | 15 January 2026 | $665 – $1,100 | Automatic Renewal |
| February 2026 | 13 February 2026 | $665 – $1,100 | Income-Verified Applicants |
| March 2026 | 16 March 2026 | $670 – $1,105 | Renewed Beneficiaries |
This chart helps eligible seniors plan ahead for upcoming payments.
Guaranteed Income Supplement Increase for Older Canadians
Seniors receiving GIS should expect a modest increase in benefit rates in 2026, as part of the CRA’s annual review process. The increase is designed to help payments remain in step with inflation and cost-of-living pressures. Beneficiaries are strongly encouraged to file their 2024 tax returns promptly—this data is used by the CRA to verify eligibility. Typically, seniors who live alone receive a higher GIS rate than those with a partner who also receives OAS. The government’s ongoing review of the GIS structure aims to maintain fairness and support long-term financial stability for older Canadians.
How Canadian Citizens Can Confirm Their GIS Status
Canadian citizens can verify the status of their GIS payment easily by logging into the “My Service Canada Account” (MSCA) portal. Once logged in, they can view deposit dates, benefit amounts, and past payment history. For those who prefer non-online options, CRA representatives are available via the OAS helpline to confirm account details. It’s important to keep personal and banking information up to date to avoid payment delays—especially with the November 2025 cycle. Seniors may also register for email alerts to receive notifications about upcoming changes or future benefit increases.
Conclusion
The November 2025 deposit of the Guaranteed Income Supplement is scheduled for 16 November 2025, with eligible low-income seniors receiving between $660 and $1,097. This direct-deposit system provides vital financial support to help retirees manage rising living costs. By ensuring eligibility, keeping tax filings current, and using the My Service Canada Account portal, beneficiaries can stay informed and prepared. Timely updates to personal and banking details are crucial to guarantee smooth payments. For older Canadians relying on this benefit, staying proactive is key to maintaining stability and peace of mind.
Frequently Asked Questions
Q1: Who is eligible for the GIS benefit?
If you receive Old Age Security and your annual income is below the federal threshold, you automatically qualify for the GIS. Eligibility depends on income level and marital status.
Q2: How will I receive the GIS payment for November 2025?
The GIS payment is directly deposited into your bank account on 16 November 2025 (for eligible seniors), as set by the CRA. Ensure direct deposit is set up to avoid delays.
Q3: What should I do if my bank details have changed?
Update your banking and personal information via the My Service Canada Account portal or contact the CRA helpline to prevent payment delays or issues.
