For many Canadian seniors, the monthly Canada Pension Plan (CPP) and Old Age Security (OAS) payments are essential to cover daily expenses.
In September 2025, the Canada Revenue Agency (CRA) has confirmed the direct deposit schedule for these payments, with a maximum monthly benefit expected to reach $2,233 for those who qualify under the combined CPP and OAS programs. This adjustment reflects the government’s commitment to helping seniors cope with the rising cost of living.
CPP & OAS September 2025 Payment Schedule
The CRA has formally approved the September 2025 deposit schedule for CPP and OAS. Eligible beneficiaries will see their funds arrive directly into their accounts, ensuring reliable access to pensions without delay.
| Program | Payment Date |
|---|---|
| Canada Pension Plan (CPP) | September 26, 2025 |
| Old Age Security (OAS) | September 26, 2025 |
| Guaranteed Income Supplement (GIS) | September 26, 2025 |
Payment Amounts for September 2025
The combined benefit of CPP and OAS is projected to reach $2,233 per month for eligible seniors. This amount is designed to offset inflation and ensure retirees can maintain a reasonable standard of living.
- Maximum CPP Benefit: Seniors who contributed the required amount over their working years may receive higher payouts under Canada Pension Plan reforms.
- OAS Benefit: OAS recipients aged 65–74 can receive up to $734.95 monthly, while those 75 and older are entitled to an additional 10% increase, bringing the payment up to $808.45.
- GIS Support: Low-income seniors may also qualify for the Guaranteed Income Supplement, which can add more to monthly support.
Together, these benefits can provide seniors with financial stability, reaching the expected $2,233 monthly support for qualified individuals.
Eligibility Criteria for $2,233 CPP & OAS in 2025
CPP Eligibility
- Must be at least 60 years old.
- Must have contributed to Canada Pension Plan during working years.
- The amount depends on contribution history and years worked.
OAS Eligibility
- Must be 65 or older.
- Must have lived in Canada for at least 10 years after the age of 18 to receive partial benefits.
- To qualify for full OAS, residency in Canada for at least 40 years after age 18 is required.
- Seniors aged 75 and older automatically receive a 10% increase.
GIS Eligibility
- Available to OAS pensioners with low annual income.
- Payment amounts depend on marital status and reported yearly income.
How to Claim CPP & OAS Payments in 2025
Beneficiaries do not need to re-apply if already enrolled in Canada Pension Plan or OAS. Payments will be made automatically through direct deposit on the scheduled dates. However, those who are newly eligible must apply online through their My Service Canada Account (MSCA).
Steps to apply:
- Visit the official Service Canada portal.
- Log in using secure credentials.
- Complete the application form for Canada Pension Plan or OAS.
- Upload necessary identification and residency documents.
- Submit the application and await confirmation.
Once approved, monthly deposits will be made directly into the applicant’s bank account.
Quick Overview of CPP & OAS in September 2025
| Program | Maximum Amount | Age Group | Payment Date |
|---|---|---|---|
| CPP | $1,576 | Contributors with full years | Sept 26, 2025 |
| OAS | $734.95 | 65–74 years | Sept 26, 2025 |
| OAS (with 10% increase) | $808.45 | 75+ years | Sept 26, 2025 |
| GIS | Up to $1,097.75 | Based on income | Sept 26, 2025 |
The $2,233/month CPP & OAS direct deposit in September 2025 represents an important step in supporting Canadian seniors during a period of rising costs. With Canada Pension Plan, OAS, and GIS combined, retirees can count on stronger financial assistance to cover their living needs.
The confirmed deposit date of September 26, 2025, ensures that seniors can plan their budgets with certainty. Keeping bank details updated in My Service Canada Account is essential for receiving timely payments without interruption.
FAQs
Who is eligible for the $2,233/month Canada Pension Plan & OAS benefit in September 2025?
Eligibility depends on age, residency, and contribution history. Seniors who qualify for both Canada Pension Plan and OAS, along with GIS if applicable, may receive the full combined amount.
When will the CPP and OAS be paid in September 2025?
The CRA will deposit CPP, OAS, and GIS benefits on September 26, 2025, directly into beneficiaries’ bank accounts.
Do I need to re-apply for CPP or OAS to receive the updated payment?
No. Existing beneficiaries will automatically receive payments. Only newly eligible applicants need to apply through Service Canada.