Canadian seniors and individuals receiving federal pension benefits can expect their next Canada Pension Plan (CPP), Old Age Security (OAS), and Guaranteed Income Supplement (GIS) payments on Thursday, September 25, 2025. These payments are typically issued via direct deposit, which is the fastest and most secure method. Paper cheques may take additional time to arrive. To ensure timely receipt, it’s recommended to set up or confirm direct deposit through your Service Canada account.
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Canada Pension Plan (CPP)
The CPP provides a monthly pension to contributors who have worked and paid into the plan. The maximum monthly amount at age 65 is $1,433.00, while the average monthly amount at age 65 is $899.67. These amounts are based on contributions made during your working years. If you are under 65 and receiving a disability benefit, you will also receive a monthly payment.
Old Age Security (OAS)
The OAS pension is a monthly payment available to seniors aged 65 and older who meet the residence requirements. The maximum monthly payment amount for July to September 2025 is:
- Ages 65 to 74: $734.95
- Ages 75 and over: $808.45
Seniors aged 75 and over receive a 10% increase in their OAS pension, which began in July 2022. This increase is automatic and does not require a separate application. To qualify for OAS, you must have lived in Canada for at least 10 years after the age of 18.
Guaranteed Income Supplement (GIS)
The GIS provides additional financial support to low-income seniors who receive the OAS pension. The amount you receive depends on your annual income and marital status. For July to September 2025, the maximum monthly GIS amounts are:
- Single person: Up to $1,097.75 (annual income less than $22,272)
- Couple (both receiving full OAS): Up to $660.78 (combined annual income less than $29,424)
- Couple (one receiving full OAS, the other receiving the Allowance): Up to $660.78 (combined annual income less than $41,184)
- Couple (neither receiving OAS or Allowance): Up to $1,097.75 (combined annual income less than $53,376)
These amounts are reviewed quarterly to reflect changes in the cost of living.
Key Takeaways
- Payment Date: September 25, 2025
- Payment Methods: Direct deposit (recommended) or paper cheque
- CPP Amounts: Up to $1,433.00/month at age 65
- OAS Amounts: $734.95/month (ages 65–74), $808.45/month (ages 75 and over)
- GIS Amounts: Up to $1,097.75/month, based on income and marital status
Ensure your personal information, including banking details and address, is up to date with Service Canada to avoid delays in receiving your benefits.
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