As inflation and rising living costs continue to challenge Canadian households—especially seniors—the government has confirmed new July 2025 payments for the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) programs.
Eligible individuals could receive up to $1,065.47 in GIS, along with increased OAS benefits. Here’s a detailed overview of who qualifies, how much you could receive, when payments arrive, and how to ensure you’re getting your full entitlements.
When Will July 2025 Payments Be Made?
Service Canada and the Canada Revenue Agency (CRA) have confirmed a unified payment date for OAS and GIS:
- Payment Date: July 29, 2025
- Direct Deposit: Funds arrive on the same day
- Cheque Recipients: Expect delivery in early August (subject to mail delays)
To avoid delays, seniors are urged to opt for direct deposit via their My Service Canada Account (MSCA).
Updated July 2025 OAS & GIS Payments
Benefits have been adjusted for inflation using the Consumer Price Index (CPI). Here are the maximum monthly amounts:
| Age Group | OAS (Monthly) | GIS (Single) | GIS (Spouse on OAS) |
|---|---|---|---|
| 65–74 | $713.34 | $1,065.47 | $641.23 |
| 75+ | $784.67 | $1,065.47 | $641.23 |
Seniors aged 75 or older benefit from the 2022 enhancement, boosting their OAS payments into 2025.
Who Qualifies?
Old Age Security (OAS)
- Age 65 or older
- Canadian citizen or legal resident
- Lived in Canada at least 10 years after turning 18
Guaranteed Income Supplement (GIS)
- Currently receiving OAS
- Low-income as determined by 2024 tax filings
- Must submit a 2024 tax return
- Filing required to maintain GIS eligibility
Note: If taxes aren’t filed, GIS payments may be delayed or canceled.
What’s New for 2025?
In addition to inflation-based increases, the government is enhancing digital services to support seniors:
- Real-time payment updates
- Prompt notifications for delays or account issues
- Streamlined online tools to update banking or address information
- Digital verification for GIS eligibility
These improvements aim to ease the process and keep seniors informed and independent.
Why These Payments Matter More Than Ever
Monthly OAS and GIS payments are essential for millions of low-income seniors, providing a stable base for everyday expenses like:
- Groceries
- Rent or mortgage
- Utilities
- Prescriptions
When combined with provincial supplements (such as Ontario GAINS, Alberta Seniors Benefit, or BC Senior’s Supplement), these payments become vital for ensuring financial security in retirement.
How to Track and Manage Benefits
Seniors should regularly use their My Service Canada Account (MSCA) to:
- View payment history
- Update banking or mailing info
- Receive alerts about benefits
- Confirm GIS and OAS eligibility status
If you don’t use MSCA, you can still get assistance by calling Service Canada or visiting a local office.
Tips for Ensuring Full Benefits
- File 2024 taxes on time to maintain GIS eligibility
- Update banking and contact info through MSCA promptly
- Monitor MSCA for changes or notifications regarding your payments
- Report any income or residency changes immediately to Service Canada
What to Expect
| Payment Detail | July 2025 Amount / Info |
|---|---|
| OAS (65–74) | Up to $713.34/month |
| OAS (75+) | Up to $784.67/month |
| GIS (Single low-income) | Up to $1,065.47/month |
| GIS (Spouse on OAS) | Up to $641.23/month |
| Payment Date | July 29, 2025 |
| Payment Method | Direct deposit or cheque (if no DD) |
July 29, 2025, represents a significant moment for Canadian seniors. With inflation-adjusted OAS payments and up to $1,065 in GIS, July brings critical income support to those who rely on it most.
To ensure you receive the full benefit:
- Confirm your eligibility
- File your taxes
- Update your account info
- Use the MSCA portal
In a year when every dollar counts, staying informed can help maintain both your financial stability and peace of mind.
FAQs
Who can receive up to $1,065 GIS?
Low-income single seniors receiving OAS may qualify for the full GIS amount based on their 2024 tax return.
I forgot to file my taxes—will I lose GIS?
Yes. GIS eligibility is income-based and requires annual tax filing. Without it, payments may be delayed or stopped.
Can I update my bank info to receive payments faster?
Absolutely. Seniors are encouraged to register for direct deposit and update their banking details via MSCA for reliable, on-time payments.