As the end of July approaches, millions of Canadians are set to receive their monthly Canada Pension Plan (CPP) and Old Age Security (OAS) payments. These critical government benefits provide financial support to seniors and retirees, and this month brings an increase for many OAS recipients.
Here’s a complete breakdown of CPP and OAS July 2025 payments, including who qualifies, how much you could receive, and what changes are coming.
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When Will CPP and OAS Be Paid in July 2025?
Both CPP and OAS payments are scheduled to be deposited on Tuesday, July 29, 2025. If you’re signed up for direct deposit through Service Canada, your payment should arrive in your bank account on that date.
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OAS Increase Confirmed for July–September 2025
The Old Age Security (OAS) benefit is reviewed quarterly to keep pace with inflation. According to the latest update, OAS payments will increase 1% for the July to September 2025 period. This reflects a 2.3% annual increase from July 2024 to July 2025, based on the Consumer Price Index (CPI).
Note: OAS payments will never decrease, even if the CPI falls.
Who is Eligible for OAS in 2025?
To receive OAS, you must:
- Be 65 years of age or older
- Have legal status in Canada
- Have lived in Canada for at least 10 years after turning 18
In most cases, Service Canada automatically enrolls individuals who are eligible, but some may need to apply manually.
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How Much OAS Will I Receive in July 2025?
Here are the maximum monthly OAS payments from July to September 2025:
- Aged 65–74: $734.95
- Aged 75+: $808.45
To receive the full amount, your 2024 net world income must be:
- Less than $148,541 (age 65–74)
- Less than $154,196 (age 75+)
You can estimate your personal OAS amount using the CRA’s online OAS benefit estimator.
CPP Payment Breakdown for July 2025
To qualify for the Canada Pension Plan, you must:
- Be at least 60 years old
- Have made at least one valid contribution to CPP (from employment or via a spouse/common-law partner’s credits)
Maximum CPP Pension at Age 65 (January 2025): $1,433/month
Average CPP Pension at Age 65 (April 2025): $844.53/month
The amount you receive depends on:
- Your average earnings over your working life
- When you choose to start receiving CPP
- Total contributions made to the plan
You can check your personal estimate by logging in to your My Service Canada Account.
CPP 2025 Payment Schedule
Here are the remaining CPP payment dates for 2025:
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
Other Benefits Being Paid in July 2025
In addition to CPP and OAS, several other federal and provincial benefits are also being paid this month, including:
- Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit
- Advanced Canada Workers Benefit (CWB)
- Canada Child Benefit (CCB)
- Ontario Trillium Benefit (OTB)
- Ontario Disability Support Program (ODSP)
- Canada Disability Benefit (for approved applications submitted by June 30)
What to Do If You Don’t Receive Your Payment
If your CPP or OAS payment doesn’t arrive by the expected date, you must wait 10 business days before contacting Service Canada or the CRA.
Final Thoughts
With the CPP and OAS July 2025 payments arriving on July 29, eligible Canadians can expect a small but important increase in their financial support — especially those receiving Old Age Security. Keeping track of these benefit schedules and updates is essential for managing expenses during retirement.
If you’re unsure of your entitlement or need to update your banking information, visit your My Service Canada Account or contact Service Canada directly.
Stay informed, stay enrolled, and make sure you’re receiving every dollar you’re entitled to.
