November 2025 Benefit Payments Confirmed: CCB, CPP, $680 CRA Payment & Provincial Support Dates
Nov, 23 2025
Millions of Canadians are preparing for a wave of critical benefit payments in November 2025, with the Canada Revenue Agency confirming key disbursements that will touch families, seniors, and low-income households across the country. The Canada Child Benefit (CCB) arrives on November 20, 2025, while a one-time $680 payment from the CRA lands just four days earlier, on November 24, 2025. Meanwhile, Service Canada has scheduled Canada Pension Plan (CPP) payments for November 26 and Old Age Security (OAS) with Guaranteed Income Supplement (GIS) for November 27 — a tight cluster of payments that will flood bank accounts in the final week of the month.
Who Gets Paid When? A Month-by-Month Breakdown
The November 2025 benefit calendar is unusually packed, with multiple provincial programs aligning with federal schedules. The Ontario Ministry of Finance will issue the Ontario Trillium Benefit (OTB) on November 10, while Alberta Ministry of Children's Services distributes the Alberta Child and Family Benefit (ACFB) on November 27 — the same day as OAS/GIS. Veterans Affairs Canada also pays its disability pensions on November 27, and Revenu Québec offers optional monthly Quebec Family Allowance payments on November 3. British Columbia’s Ministry of Social Development and Poverty Reduction sends Income and Disability Assistance on November 19.Not all programs are active this month. The Advanced Canada Workers Benefit (ACWB) and Canada Carbon Rebate (CCR) have no November payments scheduled in 2025, and the GST/HST credit last hit accounts in October. This means the focus this month is squarely on child support, pensions, disability aid, and that unexpected $680 boost — likely tied to recent inflation adjustments or targeted relief measures.
Why the $680 One-Time Payment Matters
The $680 payment isn’t listed on the CRA’s standard benefit schedule, making it an unusual addition. According to reporting from Fairview Fire and Rescue — which cited official CRA communications — this is a one-time, non-recurring credit for eligible recipients. While the agency hasn’t published a formal press release, the timing suggests it’s meant to offset rising costs in housing, groceries, or utilities ahead of winter. For a single parent receiving the maximum CCB, this could mean an extra $680 in November, bringing their total monthly support close to $1,500. For seniors on GIS, it’s a significant buffer against heating bills. The payment applies to anyone who filed a 2024 tax return and qualifies for CCB, OAS, or provincial income assistance. No application is needed.
Direct Deposit: The Only Way to Avoid Delays
The CRA and all provincial agencies are pushing one message loudly: switch to direct deposit. With postal strikes still a threat in parts of Canada, mailed cheques could arrive days late — or vanish entirely. The Province of British Columbia explicitly states on its website that signing up for direct deposit ensures “your assistance payment is deposited to your bank account” without interruption. The CRA’s My Account portal, which sends email and text reminders about upcoming payments, also lets users track deposit status in real time. If you haven’t signed up yet, it takes less than five minutes through your CRA account or your bank’s online portal.There’s another reason to act: if your annual benefit total is under $240, you won’t get monthly payments at all — you’ll get one lump sum in July. That’s why even small claims matter. The CRA recalculates all benefits every July based on your previous year’s tax return, so if your income dropped in 2024, you might see a bump this November.
What Comes Next? December’s Payment Schedule
November’s flurry doesn’t end there. The next major wave arrives in December: the CCB on December 12, OTB on December 10, and ACFB likely on December 26 (based on past patterns). The CRA warns that if a payment date falls on a weekend or holiday, it moves to the preceding Friday. That means if December 12 is a Saturday, you’ll see it on December 11. Keep an eye on your bank account — and your email.
What If You Don’t Get Paid?
If your payment doesn’t show up, don’t panic. The CRA’s official advice? Wait five business days. Then check your CRA My Account. Verify your address, banking info, and tax filing status. Many delays stem from outdated information — a moved address, a closed account, or a missing 2024 return. If you’re still stuck after five days, call the CRA. But first, check your spam folder. Those email reminders? They sometimes land there.Frequently Asked Questions
Who qualifies for the $680 one-time CRA payment in November 2025?
Eligibility is tied to having filed a 2024 tax return and receiving any of the following benefits: Canada Child Benefit, Old Age Security, Guaranteed Income Supplement, provincial income assistance, or Veterans Disability Pension. No separate application is needed — if you qualify, the payment auto-deposits. The CRA has not disclosed exact income thresholds, but it targets low- to middle-income households affected by cost-of-living pressures.
Why are there no GST/HST or Canada Carbon Rebate payments in November 2025?
These payments follow fixed quarterly schedules. The GST/HST credit is paid in January, April, July, and October — so November is skipped. The Canada Carbon Rebate (CCR) is issued in January and April only under the 2025 calendar. These programs aren’t monthly; they’re designed to align with fiscal quarters, not calendar months. Don’t expect another one until April 2026.
What happens if I miss the November 20 CCB payment?
If your payment doesn’t appear by November 25, check your CRA My Account for status updates. Common issues include incorrect banking details or unfiled tax returns. The CRA will automatically reissue missed payments in the next cycle — but only if you’re still eligible. If you’ve moved or changed your marital status, you must update your information. Delays beyond five business days warrant a call to the CRA’s benefit line.
Can I get both the CCB and the $680 payment if I’m on disability?
Yes. The $680 payment is separate from all other benefits and doesn’t reduce your CCB, OAS, GIS, or provincial assistance. If you receive the CCB and are also on disability support, you’ll get both. The payment is designed to be additive — not a replacement. This is especially important for families with disabled children who rely on multiple income streams to cover medical, transportation, or home modification costs.
How do I sign up for direct deposit if I’ve never done it before?
Log into your CRA My Account, go to ‘Direct Deposit,’ and enter your bank’s transit and institution numbers. You can find these on a cheque or through your online banking. The process takes under five minutes. Alternatively, call 1-800-959-8281. Once confirmed, future payments — including the $680 credit — will arrive 2–3 days faster than mailed cheques. Many banks also notify you the moment funds arrive.
Are these payment dates final, or could they change?
Payment dates are generally fixed, but if November 20, 24, 26, or 27 falls on a statutory holiday or weekend, payments will move to the preceding Friday. For example, if November 27 is a Sunday, payments will hit accounts on Friday, November 25. The CRA and provincial agencies update their calendars if changes occur, so always check Canada.ca or your provincial finance site the week before your expected payment.