CPP and OAS Payments Hit Bank Accounts Today: November 26, 2025 Dates, Eligibility, and December Benefit Schedule Explained

November 26, 2025 – Canada

Millions of Canadians who rely on the Canada Pension Plan (CPP) and Old Age Security (OAS) are seeing their November pension money land in their bank accounts today, Wednesday, November 26, 2025. According to the Government of Canada’s updated benefits calendar, both CPP and OAS payments are scheduled for this date, with one more round of deposits coming slightly earlier than usual in December. ^[1]

At the same time, families and low‑ to middle‑income households are gearing up for December’s final benefit and credit payments from the Canada Revenue Agency (CRA), including the Canada Child Benefit (CCB) and the Ontario Trillium Benefit (OTB), which will arrive just in time for holiday bills. ^[2]

Social media is again awash with viral claims about “double CPP payments” and surprise one‑time bonuses. Official federal guidance is clear: there is no new extra CPP or OAS payment beyond the regular November and December deposits, and no new one‑time federal benefit such as a $680 top‑up. ^[3]

Key takeaways at a glance

Today’s payment: CPP and OAS pensions for November 2025 are paid on Wednesday, November 26, 2025. ^[4]
Next payment: The final CPP and OAS payment of the year arrives on Monday, December 22, 2025, earlier than usual because of the holiday calendar. ^[5]
Quebec residents: Quebec Pension Plan (QPP) pensions are paid on November 28, 2025 and December 30, 2025, on the last working day of each month. ^[6]
How much you could get (maximum 2025 amounts):
- CPP retirement at 65 – max $1,433.00/month, average new retiree about $848.37/month. ^[7]
- OAS – up to $740.09/month (age 65–74) and $814.10/month (75+), for those under the income thresholds. ^[8]
- Income‑tested top‑ups like the Guaranteed Income Supplement (GIS) can add over $1,100/month for low‑income single seniors. ^[9]
December 2025 CRA and Service Canada dates to circle:
- Ontario Trillium Benefit (OTB): December 10, 2025
- Canada Child Benefit (CCB): December 12, 2025
- Canada Disability Benefit: December 18, 2025
- CPP & OAS: December 22, 2025 ^[10]

All amounts are in Canadian dollars and represent maximums; most people receive less based on their contributions or income.

When November 2025 CPP, OAS and QPP payments arrive

CPP and OAS: November 26 and December 22

The official Government of Canada benefit calendar confirms that for 2025: ^[11]

CPP payment dates are:
January 29, February 26, March 27, April 28, May 28, June 26, July 29, August 27, September 25, October 29, November 26, December 22.
OAS payment dates follow the same schedule:
January 29, February 26, March 27, April 28, May 28, June 26, July 29, August 27, September 25, October 29, November 26, December 22.

That means:

Today (November 26, 2025) is the second‑to‑last CPP and OAS payment of the year.
The final 2025 deposit for both CPP and OAS will land on Monday, December 22, 2025, arriving a bit earlier than the usual “last three banking days of the month” pattern to avoid the Christmas and Boxing Day holidays. ^[12]

If you are outside Canada but receive CPP or OAS abroad, your payment is issued on the same dates as in Canada; your local bank may add a short processing delay. ^[13]

Quebec Pension Plan (QPP): different dates for Quebecers

If you live in Quebec, you do not get CPP retirement benefits; instead, you receive the Quebec Pension Plan (QPP) managed by Retraite Québec.

Retraite Québec’s 2025 payment calendar shows that QPP pensions are paid on the last working day of each month. For late 2025 the dates are: ^[14]

Friday, November 28, 2025
Tuesday, December 30, 2025

So a Quebec retiree on QPP will receive their November pension two days after today’s national CPP/OAS deposits, and their December pension about a week after the December 22 CPP/OAS payment.

Who qualifies for CPP and OAS?

CPP eligibility in 2025

You may qualify for the Canada Pension Plan retirement pension if: ^[15]

You are at least 60 years old, and
You have made at least one valid contribution to CPP during your working life (through payroll deductions or self‑employed contributions).

Key points:

Standard start age is 65, but you can start as early as 60 or delay up to 70.
Starting early permanently reduces your monthly payment; starting later increases it.
CPP is contributory: the more you earned and contributed over more years, the higher your CPP benefit (up to the maximum).

CPP also includes:

Disability benefits for contributors who become severely and prolongedly disabled;
Survivor benefits for a surviving spouse/common‑law partner;
Children’s benefits and a one‑time death benefit to your estate. ^[16]

OAS eligibility in 2025

Old Age Security works differently. You do not need CPP contributions to receive OAS. Instead, eligibility is based mainly on age and years lived in Canada: ^[17]

You may qualify for a full OAS pension if:

You are 65 or older,
You are a Canadian citizen or legal resident, and
You have lived in Canada for at least 40 years after age 18.

If you’ve lived in Canada for at least 10 but fewer than 40 years after turning 18, you may qualify for a partial OAS pension.

OAS also includes income‑tested top‑ups:

Guaranteed Income Supplement (GIS) – for low‑income seniors who receive OAS.
Allowance – for 60–64‑year‑olds whose spouse or partner receives both OAS and GIS.
Allowance for the Survivor – for widowed 60–64‑year‑olds with low incomes. ^[18]

These benefits are recalculated every July based on your previous year’s tax return and can increase, decrease, or stop if your income changes.

How much you could receive in late 2025

The Government of Canada has recently updated its official CPP and OAS rate tables for 2025, including the October–December quarter. ^[19]

CPP monthly amounts (2025)

For new beneficiaries starting CPP in 2025:

Retirement pension at age 65:
- Average: $848.37/month
- Maximum: $1,433.00/month
Disability benefit: up to $1,673.24/month
Combined survivor + retirement pension at 65: up to $1,449.53/month ^[20]

Most Canadians receive less than the maximum because you only reach it with many years of maximum contributions.

OAS and related benefits (October–December 2025)

For the October–December 2025 quarter, after a 0.7% inflation adjustment, the maximum monthly OAS and GIS amounts are: ^[21]

Old Age Security pension
- Age 65–74: up to $740.09/month
- Age 75+: up to $814.10/month (includes the 10% permanent boost for those 75 and older)
Guaranteed Income Supplement (GIS) (65+, not taxable) – maximums:
- Single, widowed or divorced: up to $1,105.43/month
- With spouse/partner also on full OAS: up to $665.41/month (per eligible person)
Allowance (60–64) – up to $1,405.50/month for low‑income couples where one partner receives both OAS and GIS.
Allowance for the Survivor (60–64) – up to $1,675.45/month for low‑income widowed spouses or partners. ^[22]

Remember: these are maximums. Your actual payment depends on:

Your income (for OAS, GIS, and Allowances);
Your contribution history and start age (for CPP and QPP);
Whether you’re receiving combined benefits (for example, survivor plus retirement).

December 2025: final CPP, OAS and CRA benefit payment dates

Today’s deposit isn’t the last one of the year. December 2025 brings another cluster of key payments from Service Canada and the CRA, many timed to land before Christmas. ^[23]

December 2025 Service Canada payments

From the official federal benefits calendar: ^[24]

Old Age Security (OAS): December 22, 2025
Canada Pension Plan (CPP): December 22, 2025
Canada Disability Benefit: December 18, 2025

If you rely on CPP or OAS, December 22 is the date to mark.

December 2025 CRA‑administered benefits and credits

The CRA’s 2025 benefit schedule shows these final dates: ^[25]

Ontario Trillium Benefit (OTB): December 10, 2025
Canada Child Benefit (CCB): December 12, 2025
Alberta Child and Family Benefit (ACFB): last payment of 2025 was November 27 (no separate December date).
GST/HST credit: final 2025 payment went out on October 3, 2025; there is no December GST/HST credit.
Advanced Canada Workers Benefit (ACWB): 2025 payments were issued in January, July and October, so there is no December ACWB instalment.

Narcity’s December benefits overview — which highlights six major programs including OAS, CPP, CCB and OTB — lines up with this official calendar and notes that several payments, including OAS and CPP, are landing earlier than a typical month due to the holiday schedule. ^[26]

How to make sure your payment arrives on time

Even when the date is fixed, the exact moment the money hits your account can vary depending on how you get paid.

1. Use direct deposit if you can

The federal government strongly encourages direct deposit for all benefits, including CPP, OAS, CCB and GST/HST credits, because: ^[27]

Funds are usually available the same day they’re issued.
Postal delays, strikes or weather don’t affect your payment.
Lost or stolen cheques are no longer a risk.

You can sign up or update your banking details through:

My Service Canada Account (MSCA) – for CPP, OAS and other Service Canada benefits. ^[28]
CRA My Account – for tax‑administered benefits like CCB, OTB, GST/HST credit and ACWB. ^[29]

2. If you still get a cheque

If you’re among the minority still receiving paper cheques:

Expect 5–7 business days of mail time after the official payment date before reporting a missing cheque. ^[30]
Make sure your mailing address is up to date with Service Canada and the CRA.
Consider switching to direct deposit — it’s generally faster and more secure.

No, there is no “double CPP payment” or secret bonus

If your social feeds are full of promises like a “$750 + $890 double CPP payment” or a new one‑time $680 federal benefit, you’re looking at misinformation.

A widely shared blog post about a “double CPP” in November 2025 has already been debunked; it confirms that only one CPP payment is scheduled for November 26, 2025, and there is no official bonus. ^[31]

The Government of Canada’s own benefits calendar now carries a warning banner telling Canadians to “beware of false information online”, explicitly noting that no new one‑time $680 payment has been introduced and that official details should always be checked on government websites. ^[32]

To stay safe:

Verify payment news on canada.ca, Retraite Québec, or through My Service Canada / CRA My Account.
Be extremely cautious of videos or posts that:
- Ask you to “click a link to apply” for a surprise payment, or
- Request your Social Insurance Number (SIN), banking PIN, or passwords by text, email, or social media.
When in doubt, call 1‑800‑O‑CANADA or the CRA’s official numbers directly (using the numbers listed on canada.ca, not those in social media posts).

What today’s payment means for your budget heading into 2026

Between today’s CPP and OAS deposits and December’s early payments, many seniors and families will see two significant cash infusions before year‑end:

CPP/OAS in late November and again on December 22, and
Key CRA benefits like OTB and CCB in mid‑December. ^[33]

Financial planners often recommend:

Using November’s payment to tackle essential bills (rent, utilities, groceries);
Treating December’s earlier‑than‑usual deposit as January’s money to avoid a cash crunch right after the holidays;
Reviewing your 2024 tax situation now, because your 2026 GIS, CCB, and other income‑tested benefits will be based on the return you file in spring 2025. ^[34]

Quick FAQ: CPP, OAS and December 2025 benefits

When is the next CPP payment after today?
The final CPP payment of the year will be deposited on Monday, December 22, 2025. ^[35]

Do OAS and CPP always pay on the same day?
Yes. For 2025, CPP and OAS share the same 12 payment dates, including November 26 and December 22. ^[36]

When will December’s Canada Child Benefit arrive?
The December 2025 CCB payment is scheduled for December 12, 2025. ^[37]

I live in Quebec. When do I get my pension?
QPP pensions are paid November 28, 2025 and December 30, 2025 for the remaining months of this year. ^[38]

Could these payment dates change?
The federal calendar was last updated on November 18, 2025, and changes are rare. If they do occur, the official canada.ca benefits calendar will show the new dates. ^[39]

Bottom line

For Canadians who count on CPP, OAS and CRA‑administered benefits, today’s November 26 payment and the early December 22 deposit are crucial pillars of year‑end budgeting. With inflation‑indexed increases now in place for OAS and stable maximum CPP amounts for 2025, staying informed about dates, eligibility rules and realistic benefit amounts is the best way to keep your finances on track — and to tune out the noise of viral misinformation.

How Much Money Will You Get From CPP and OAS? // Retirement Benefits in Canada