As July 2025 begins, the Canada Revenue Agency (CRA) has come up with a significant economic relief for millions of citizens across the country. Given the pressures of rising inflation, daily necessities, childcare, energy bills and rent, this relief offers hope not just of money but also of life stability.
In this article, we will provide information about the five major benefit schemes that can benefit Canadian families, seniors, low-income workers, Ontario residents and new immigrants. Let’s understand in detail who is eligible, how much amount will be received, and when and how it will be paid.
1. GST/HST Credit: Tax relief for low-income earners
The GST/HST Credit is a payment to low- and middle-income Canadian citizens that is issued four times a year and it is tax exempted. It is meant to cover the tax paid on daily consumptions. It has been augmented to 2.7 percent after July 2025.
Who is eligible?
- Canadian citizens or permanent residents aged 19 or older
- Those who have filed their 2024 tax return on time
- Some temporary residents may also be eligible (after 18 months)
Payment amount:
- Single adult: Maximum $533 annually ($133.25 per quarter)
- Married or partnered: $698 per year
- Each child: $184 additional
Payment dates:
- July 5, 2025
- October 3, 2025
- January 5, 2026
- April 3, 2026
How to apply?
No separate application is required—just file your 2024 tax return on time.
2. Advanced Canada Workers Benefit (ACWB): Reward for hardworking but low-income earners
ACWB is a scheme that rewards Canadian citizens who are working but have limited income. It has also been increased by 2.7% from July 2025.
Eligibility Criteria:
- Canadian residents aged 19 years or older
- Working income of at least $3,000 annually
- Some new residents or temporary residents may also be eligible
Payment amount:
- Single workers: Maximum $1,428 per year
- Families: Maximum $2,461 per year
- Additional amount for persons with disabilities
Payment dates:
- 11 July 2025
- 10 October 2025
- 9 January 2026
How to apply?
Fill out Schedule 6 on your tax return. The CRA will complete the rest of the process automatically.
3. Canada Child Benefit (CCB): Help with raising children
CCB is a monthly payment that helps with raising children. This amount has also been increased by 2.7% from July 2025.
Eligibility:
- Must be the primary guardian of the child
- Child must be under 18 years of age
- Family income must be low or moderate
- New and temporary residents may be eligible after 18 months
Payment amount:
- Children under 6: Maximum $7,997 per year
- Children aged 6–17: Maximum $6,748 per year
- Additional $3,265 per year for children with disabilities
Payment dates:
- July 18, 2025
- August 20, 2025
- September 19, 2025
- 20th of every month thereafter
How to apply?
If you are a new applicant or immigrant, fill out the RC66 form and provide copies of residence and child documents.
4. Ontario Trillium Benefit (OTB): Special help for Ontario residents
OTB is for Ontario residents only and includes three benefits: Sales Tax Credit, Energy Credit and Property Tax Credit. These benefits have also been increased through July 2025.
Eligibility:
- 19 years of age or older
- Residence in Ontario as of December 2024
- Paid rent or property taxes
- Must submit ON-BEN form with tax return
Benefit amount:
- OSTC: Maximum $371 per person
- OEPTC: $1,282 (non-seniors) and $1,459 (seniors)
- NOEC: $185 (singles), $284 (families)
Payment dates:
- July 10, 2025
- August 8, 2025
- Then on the 10th of each month
How to apply?
Fill out the ON-BEN form and attach rent or property tax documentation with your 2024 tax return.
5. CPP and OAS: Stable income for seniors
Canada Pension Plan (CPP) and Old Age Security (OAS) are the mainstay of retirement income for seniors. These have also been increased according to inflation from July 2025.
Eligibility:
- CPP: Those who contributed during the term can receive benefits from age 60
- OAS: Those aged 65 or older and have lived in Canada for at least 10 years
Payment amount (from July 2025):
- CPP: Maximum $1,433 per month
- OAS (65–74 years): $727.67 per month
- OAS (75+ years): $800.44 per month
- GIS (for those living alone): $1,057.01 per month
Payment dates:
- 29 July 2025
- 27 August 2025
- 26 September 2025
- Then the last week of each month
How to apply?
- CPP: My Service Canada Account Apply from
- OAS: Automatic in most cases, but apply with new residency documents
Final Thoughts: July 2025—A Time for Support and Stability
The five plans of the CRA in July 2025 make a good financial cushion to the Canadian people. Either you are a senior living in Halifax or any Canadian citizen, you have a chance of getting a job in Canada. A Pennsylvania citizen, a Calgary worker who is below-average or breastfeeding mother in Ottawa, all will be relieved by these plans.
To make sure you get all the benefits:
- File your 2024 tax return on time
- Keep your information updated in CRA My Account
- Enroll for direct deposit so you get payments sooner
Through this, not only you will be able to have a secure financial position, but this will also provide a firm backbone to the future of your family.
FAQs
Q1. Who is eligible for CRA payments in July 2025?
Canadian residents who filed their 2024 tax return on time and meet specific criteria for each benefit.
Q2. Do I need to apply separately for GST/HST Credit?
No, you only need to file your tax return—CRA automatically determines eligibility.
Q3. When will the Canada Child Benefit be paid?
Monthly, starting July 18, 2025, and then every 20th of the month.
Q4. Can newcomers to Canada receive these benefits?
Yes, many benefits are available to newcomers after 18 months of residence and if taxes are filed.
Q5. How can I receive payments faster?
Enroll in CRA direct deposit through your My CRA Account for quicker access to funds.
