Jerry
As the cost of living continues to rise across Canada, the federal government is stepping in with five major benefit payments set to roll out this July.
Administered by the Canada Revenue Agency (CRA) and Service Canada, these financial supports aim to ease the burden on families, seniors, low-income workers, and those in temporary need.
Let’s take a closer look at the five big CRA and Service Canada payments coming your way this month and what you need to know to make sure you’re on the list.
1. Canada Child Benefit (CCB) – Monthly Relief for Parents
The Canada Child Benefit (CCB) is a tax-free monthly payment for eligible families with children under the age of 18. In July 2025, the benefit amount has slightly increased due to inflation indexing.
- Maximum annual amount per child under 6: $7,787
- Maximum annual amount per child aged 6–17: $6,570
- Monthly average in July: Up to $619 per child
This benefit is vital during the summer months when childcare and recreational costs can increase. Payments are made automatically if your income tax return is up to date.
2. GST/HST Credit – Quarterly Support for Everyday Expenses
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit is paid quarterly and helps low and modest-income households offset some of the sales tax they pay.
In July 2025, eligible Canadians can expect:
- Single individuals: Up to $496 annually
- Married/common-law couples: Up to $650 annually
- Per child: Additional $171 per child under 19
This credit is deposited automatically based on your 2024 income tax return, with no need for a separate application.
3. Old Age Security (OAS) & Guaranteed Income Supplement (GIS) – Essential for Seniors
Seniors aged 65 and older will receive their Old Age Security (OAS) payments in July, including Guaranteed Income Supplement (GIS) for low-income individuals.
- OAS Monthly Maximum (July 2025): $713.34
- GIS for single seniors: Up to $1,065.47
- GIS for couples (each): Up to $641.35
Payments are made monthly and are indexed to inflation, providing a stable source of income for retired Canadians.
4. Canada Workers Benefit (CWB) – Boost for Low-Income Workers
The Canada Workers Benefit (CWB) is designed to help working individuals and families with low incomes. In July 2025, advance payments are being issued for the 2025 benefit year.
- Maximum annual basic amount: $1,518 (single), $2,616 (families)
- Disability supplement: Additional $737
Advance payments are 25% of the estimated annual entitlement, meaning recipients may receive up to $379.50 this July. This payment helps workers make ends meet before full benefits are reconciled during tax filing.
5. Employment Insurance (EI) – Support for Job Loss, Illness, or Leave
Whether you’re between jobs, on parental leave, or unable to work due to illness, Employment Insurance (EI) offers weekly financial support.
In July 2025:
- Regular benefit: Up to 55% of average weekly earnings, capped at $668/week
- Maximum insurable earnings: $70,300/year
- Special benefits: Includes maternity, parental, sickness, caregiving
EI is typically deposited every two weeks, and claimants must report their status biweekly to remain eligible.
July 2025 Payments
| Benefit Program | Payment Type | Who It Helps | Amount/Frequency |
|---|---|---|---|
| Canada Child Benefit | Monthly (Tax-Free) | Parents with children under 18 | Up to $619/month per child |
| GST/HST Credit | Quarterly | Low/modest-income individuals/families | Up to $650/year for families |
| OAS & GIS | Monthly | Seniors aged 65+ | Up to $1,778.81/month combined |
| Canada Workers Benefit | Advance payment (25%) | Low-income workers | Up to $379.50 in July |
| Employment Insurance | Weekly/Biweekly | Unemployed or on leave workers | Up to $668/week |
The five major CRA and Service Canada payments in July 2025 demonstrate Canada’s commitment to supporting its citizens during economic hardship.
Whether you’re a working parent, senior, or someone going through a temporary job loss, these benefits ensure you’re not alone in navigating financial challenges.
To receive these payments on time:
- Ensure your CRA MyAccount and Service Canada profile are updated.
- File your tax returns if you haven’t already.
- Monitor your bank account for scheduled deposits throughout July.
If you believe you’re eligible but haven’t received your payment, contact CRA or Service Canada for follow-up.
FAQs
Do I need to apply to receive these July 2025 payments?
Most of these payments—such as the GST/HST Credit, CCB, and CWB—are issued automatically based on your tax return. However, Employment Insurance and some GIS benefits require applications or renewals.
When will the July 2025 CRA payments be deposited?
CRA benefits like CCB are usually deposited on the 20th of each month, while GST/HST credits arrive around July 5th. OAS and GIS are typically paid on the last 3 business days before the end of the month.
Can I check the status of my payments online?
Yes, you can track your CRA benefits via MyAccount and Service Canada benefits through My Service Canada Account. These platforms provide real-time payment updates.