As inflation and holiday costs rise, the release of payment dates from the Canada Revenue Agency (CRA) for key federal benefits offers a timely moment of relief for many Canadians.
The November 2025 schedule covers the monthly deposit dates for three major benefit programs: the Canada Pension Plan (CPP), the Old Age Security (OAS), and the Canada Child Benefit (CCB).
For millions who rely on them, knowing the dates helps avoid budget gaps and plan ahead for the holiday period.
The Schedule at a Glance
Here’s the confirmed payment schedule for November 2025 for CPP, OAS and CCB:
| Benefit Program | Payment Date in November 2025 | Typical Beneficiaries |
|---|---|---|
| Canada Child Benefit (CCB) | November 20, 2025 | Families with children under 18 |
| Canada Pension Plan (CPP) | November 26, 2025 | Retirees, disabled contributors, survivors |
| Old Age Security (OAS) | November 26, 2025 | Canadians aged 65+ (with eligibility) |
What Each Benefit Covers and Why the Date Matters
1. Canada Child Benefit (CCB)
The CCB is a tax-free monthly payment designed to support Canadian families raising children under 18. The November deposit on November 20, 2025 ensures households can prepare for end-of-year expenses like school supplies, extracurriculars or holiday budgeting.
Because many families plan cash flow around these dates, having the exact day helps avoid surprises.
2. Canada Pension Plan (CPP)
The CPP payment on November 26, 2025 benefits retirees and other eligible contributors. For many seniors, this deposit is a core part of their monthly income—helping pay for housing, utilities and groceries.
While amounts vary based on contribution history, scheduling clarity is critical so recipients know when the funds will hit their bank.
3. Old Age Security (OAS)
Also deposited on November 26, 2025, OAS supports Canadians aged 65 and older who meet residency criteria. Given that many combine OAS with CPP and personal savings, knowing the date helps ensure all pillars land as expected and avoids timing mismatches in budgeting for the month.
Why Early November Dates Matter
- These dates fall before the December holiday season, giving beneficiaries time to adjust their budget.
- Federal benefits often act like anchors for many households—missing a date or being unaware can trigger late bills or forced borrowing.
- The CRA schedule is remarkably stable: third-last business day of the month for CPP/OAS and consistent dates for CCB, so this advance notice is more of a confirmation than a surprise.
Who Needs to Take Action Now?
- Direct deposit users: Make sure your banking information is up to date in your CRA online account.
- Cheque recipients: Allow for mail delays—expect the payment around the posted date, not always identical.
- Families with children: Align major purchases or budget shifts after the November 20 CCB deposit.
- Retirees: Mark November 26 as the date your CPP and OAS payments will arrive—plan for any automatic transfers (e.g., into savings or other accounts) accordingly.
Tips for Maximizing Your Benefit Timing
- Verify banking details: Update your direct deposit info well ahead of the date to avoid delays.
- Align automatic payments: If you have bill payments or transfers scheduled, ensure they don’t overlap with benefit deposits in a way that creates cash-flow problems.
- Budget proactively: For families and retirees alike, treat the date as a “fixed point” and plan any discretionary spending or savings flows around it.
- Keep track of other benefits: Programs like the GST/HST credit or provincial child benefits may land on different dates—knowing all your dates prevents surprises.
- Use the CRA My Account portal: It’s useful for confirming eligibility, payment history and schedule details.
The announcement of the payment dates for CPP, OAS and CCB in November 2025 brings important clarity to millions of Canadians counting on these benefits.
With the CCB scheduled for November 20 and both CPP and OAS on November 26, families, retirees and workers can plan their budgets with confidence. Knowing exactly when these funds arrive means better timing, smoother cash flow, and fewer surprises.
Whether you’re managing everyday expenses or prepping for holiday costs, mark the dates, verify your deposit method, and plan accordingly. With the schedule confirmed, you’re better equipped to use the benefit when it lands—not just for today, but for your financial peace of mind.
FAQs
What if the payment doesn’t arrive on the listed date?
If funds haven’t arrived by the payment date, first check your bank account (allowing one business-day buffer for processing). Then log in to your CRA “My Account” to verify your banking information and/or contact Service Canada if issues persist.
Do the payment dates change every year?
Generally no. The dates follow an established pattern (for example, CPP/OAS falling on the third-last business day of each month). But the CRA does publish the schedule yearly, so it’s wise to check for any official updates.
Can I still receive benefits if I’m outside Canada during the payment date?
Yes, but you must have eligibility affirmed (residency, contributions, etc.). Direct deposit remains the fastest method; if you rely on cheques abroad, allow additional mailing time and verify you’ve registered for automatic banking updates.
