On September 25, 2025, Canadian retirees receiving Canada Pension Plan (CPP) and Old Age Security (OAS) can expect their payments to be deposited directly into their accounts. These important benefits form the backbone of retirement income for many.
Here’s what you need to know—precise dates, amounts, how adjustments are calculated, and why getting set up with direct deposit matters.
Payment Date Confirmed: September 25, 2025
According to the Government of Canada’s official benefits payment calendar, both CPP and OAS deposits are scheduled for September 25, 2025. This aligns with the standard end‑of‑month distribution schedule—ensuring retirees receive funds on the same day for consistent financial planning.
How Much Will You Receive? Payment Amounts at a Glance
CPP Payment Details:
- Maximum monthly CPP pension for age 65: $1,433.00 as of January 2025.
OAS Payment Details:
- OAS (age 65–74): maximum $734.95/month (for 2025, subject to income eligibility).
- OAS (age 75 and older): maximum $808.45/month.
- Additionally, beneficiaries may receive Guaranteed Income Supplement (GIS), Allowance, or Allowance for the Survivor, depending on their income and marital status.
Role of Inflation Adjustments (CPI Indexing)
OAS payments are adjusted quarterly based on changes in the Consumer Price Index (CPI). For the period July–September 2025, benefits were increased by 1.0%, reflecting inflation trends Canada.ca. Note that CPP benefits are also inflation-indexed, though adjustments are typically reflected annually through CPP enhancements and indexed calculations
| Aspect | Details |
|---|---|
| Payment Date | September 25, 2025 – for both CPP and OAS |
| CPP (Age 65 Max) | $1,433.00/month |
| OAS (Age 65–74 Max) | $734.95/month |
| OAS (Age 75+ Max) | $808.45/month |
| Additional Benefits | GIS, Allowance, Allowance for the Survivor (income-based supplements) |
| CPI Adjustment | OAS increased by 1.0% (July–Sept 2025) |
| Deposit Method | Direct Deposit (fastest, most reliable) |
Why Direct Deposit Matters
- It ensures fast, secure, and reliable access to your funds.
- Payments usually arrive early morning on the scheduled date, depending on your bank’s processing.
- If the payment date falls on a weekend or statutory holiday, deposits are typically made on the preceding business day—though September 25, 2025, is a business day, so no changes are anticipated.
September 25, 2025, is the key date for OAS and CPP direct deposits—a milestone many retirees rely on to manage their monthly expenses. The CPP maximum of around $1,433 and OAS maximums (while varying by age) form the base of your retirement income, with opportunities to enhance that through GIS or Allowance.
Additionally, the 1.0% CPI adjustment ensures OAS keeps pace with inflation. Secure your financial peace of mind by opting for direct deposit, so you get your benefits quickly and consistently.
FAQs
Because it’s one of the regularly scheduled end‑of‑month pay dates established by the Government of Canada for federal benefit programs.
Yes. The OAS amount changes depending on your age (i.e., 65-74 vs. 75+) and income, while CPP depends on your contributions and when you begin to collect. Low-income seniors may also get GIS or Allowance on top.
Without direct deposit, your payment will be mailed via cheque, which can cause delays—so it’s highly recommended to sign up through your My Service Canada Account.