If you’re waiting on an Old Age Security payment this year, you need to know exactly when the money will land. Service Canada issues OAS payments on the last business day of every month, and here is the full, verified 2025 calendar including maximum amounts and how income recovery works for higher earners.

4 related posts

Next OAS Payment: July 29, 2025 ·
August 2025 Payment: August 27, 2025 ·
September 2025 Payment: September 25, 2025 ·
October 2025 Payment: October 29, 2025 ·
Primary Source: Government of Canada Benefits Payment Calendar

Quick snapshot

1Confirmed facts
2What’s unclear
  • Whether RRQ (Quebec) dates align exactly with OAS federal schedule
  • Bank processing times for direct deposit vary by institution
3Timeline signal
  • Sep 25: Q3 payments in effect ($734.95/$808.45 max)
  • Oct 29: Q4 adjustment period begins
  • Dec 22: Final 2025 OAS payment
4What’s next
  • Q1 2026 adjustment based on Nov 2025-Jan 2026 CPI data
  • January 2026 payment expected around Jan 28-30
Label Value
Primary Program Old Age Security (OAS)
Administered By Service Canada
2025 Q3 Payments 29 Jul, 27 Aug, 25 Sep
Q4 Payments 29 Oct, 26 Nov, 22 Dec
Max Payment (65-74, Jul-Sep 2025) $734.95
Max Payment (75+, Jul-Sep 2025) $808.45
Clawback Start (65-74) $93,454 net world income
Full Clawback (65-74) $151,668 net world income
Delay Bonus Max 36% at age 70 (0.6%/month)

What are the dates for the old age pension 2025?

Service Canada issues OAS payments on the last business day of each month, a schedule that runs through the entire year. For 2025, the confirmed payment dates are January 29, February 26, March 27, April 28, May 28, and June 26 for the first half of the year.

The second half follows a similar pattern: July 29, August 27, September 25, October 29, November 26, and December 22. Every single date lands on the last weekday of the month—weekends and public holidays are accounted for automatically.

Canada.ca official schedule

The Government of Canada Benefits Payment Calendar is the authoritative source for these dates. The same calendar covers CPP payments, which share identical dates with OAS throughout 2025.

Monthly breakdown July-December 2025

Five months in the second half land on the 25th through 29th, with one exception: December 22, 2025 falls earlier in the month because Christmas falls mid-week, bringing the last business day forward. This is the same pattern that pushed other payments earlier when holidays fall near month-end.

The upshot

December 2025’s early date (Dec 22 instead of Dec 29) catches some recipients off guard during the holiday season. If you rely on OAS for holiday expenses, plan accordingly—the deposit arrives nearly a week earlier than a typical last-business-day payment.

What date are the old age pension checks this month?

If you’re asking about the current month’s payment, the answer is always the last business day. For any given month in 2025, check the table above: dates range from the 22nd (December) to the 29th (January, July, October).

Current month payment details

Service Canada does not send individual notifications for each payment. Instead, you can confirm your specific payment date by logging into your My Service Canada Account. Your payment confirmation typically appears 1-2 business days before the deposit.

How to check your specific date

Direct deposit is the fastest way to receive OAS funds. When you enroll in direct deposit through your bank or My Service Canada Account, the payment arrives on the same day as the official schedule—typically by 9:00 AM local time. Cheque recipients should expect delivery by mail, which can add 3-5 business days depending on your region.

Why this matters

The gap between direct deposit and cheque delivery is most pronounced at month-end. If you depend on OAS for rent or bill payments due on the 1st, ensure your direct deposit is active. Cheques mailed on the 25th may not arrive until the 30th or later.

What are the payment dates for pensions in 2025?

Here is the complete verified calendar for OAS payments throughout 2025. The Government of Canada confirms these dates on the official benefits payment calendar.

Month OAS Payment Date Notes
January January 29, 2025 Last business day
February February 26, 2025 Last business day
March March 27, 2025 Last business day
April April 28, 2025 Last business day
May May 28, 2025 Last business day
June June 26, 2025 Last business day
July July 29, 2025 Last business day
August August 27, 2025 Last business day
September September 25, 2025 Last business day
October October 29, 2025 Last business day
November November 26, 2025 Last business day
December December 22, 2025 Last business day (holiday adjustment)

The pattern across all 12 months shows that Service Canada prioritizes consistency by always selecting the final weekday before any weekend or statutory holiday, which means the actual calendar date shifts month to month.

Full year OAS calendar

The OAS payment schedule mirrors the Canada Pension Plan (CPP) exactly—both programs use the same monthly calendar. According to MoneySense, this alignment makes it easier for recipients who receive both benefits to anticipate their total monthly income.

RRQ and related schedules

Quebec’s Régime de rentes du Québec (RRQ) operates independently from the federal OAS schedule. If you live in Quebec, check the Retraite Québec website for provincial pension payment dates, which may differ from the federal calendar.

What is the OAS payment schedule for 2025?

The OAS schedule follows a consistent rhythm: every payment arrives on the last business day of the month. This pattern minimizes the chance of payments falling on weekends while keeping the schedule predictable for budgeting purposes.

Early 2025 payments

January through June 2025 spans six months with payment dates ranging from February 26 to June 26. The spread between dates reflects how weekends fall throughout the first half of the year—some months have earlier last-business-day cutoffs than others.

Late 2025 payments

The July through December period covers the final two quarters of the year. July 29, August 27, and September 25 fall in the third quarter, which uses the July-September 2025 maximum payment amounts. The fourth quarter (October through December) runs from October 29 to December 22.

CPP and OAS payments are issued on the same dates.

— MoneySense (Financial Publication)

OAS payments are adjusted quarterly to keep pace with inflation based on Consumer Price Index changes.

— Service Canada Official Guidance

When is the next old age pension payment?

For most readers, the next payment is July 29, 2025. If you’re reading this article in mid-2025, the upcoming dates follow the confirmed schedule: August 27, September 25, October 29, November 26, and December 22.

Upcoming dates

If you need to confirm your next specific payment, Service Canada’s OAS payment information page provides current payment amounts and adjustment schedules. The site explains how OAS payments are adjusted quarterly based on Consumer Price Index data.

Eligibility reminders

OAS eligibility begins at age 65. If you haven’t applied yet but are approaching that milestone, you can apply up to 12 months before your desired start date. You can also delay your OAS start date by up to 60 months (5 years), earning a 0.6% increase for each month you delay beyond age 65. By age 70, you could receive up to 36% more than the standard amount.

The trade-off

For healthy recipients with other income sources, delaying OAS can be mathematically advantageous. But for those relying on OAS as primary income, waiting five years creates a significant cash flow gap. The break-even point typically falls around age 80—if you expect to live well beyond that, the delay bonus pays off.

OAS vs. RRQ: What’s the difference?

The Old Age Security program is a federal benefit available to eligible Canadians across all provinces and territories. The Régime de rentes du Québec (RRQ) is Quebec’s equivalent provincial pension plan, separate from OAS but serving a similar purpose.

Key differences at a glance

OAS and RRQ differ in administration, eligibility rules, and payment amounts. OAS is administered by Service Canada, while RRQ is managed by Retraite Québec. If you have lived or worked in both provinces, your benefit calculations may include contributions to both programs.

Feature OAS (Federal) RRQ (Quebec)
Administered By Service Canada Retraite Québec
Payment Schedule Last business day monthly Varies (check Retraite Québec)
Maximum Monthly (65-74) $734.95 (Jul-Sep 2025) Separate calculation
Delay Bonus 0.6%/month up to 36% Similar structure
Clawback Threshold $93,454 to $151,668 Quebec-specific rules

The implication: if you lived or worked in Quebec, your OAS and RRQ contributions are tracked separately, and each program calculates your entitlement independently when you apply.

What to watch

If you moved to or from Quebec, your OAS and RRQ contributions are tracked separately. When you apply for benefits, Service Canada and Retraite Québec each calculate your entitlement independently. Some recipients qualify for both, but the income thresholds and payment amounts differ between programs.

How much can you receive from OAS?

The maximum monthly OAS payment for recipients aged 65 to 74 is $734.95 for the July-September 2025 quarter. Recipients aged 75 and older receive a higher maximum of $808.45 per month during the same period.

Maximum amounts explained

These maximums apply only if your income falls below specific thresholds. For the July-September 2025 quarter, the full amount is available to recipients with individual net world income under $148,541 (ages 65-74) or $154,196 (ages 75+). Above those thresholds, payments begin to reduce through the OAS recovery tax.

Income recovery (clawback) thresholds

The OAS recovery tax (clawback) kicks in when your net world income exceeds $93,454 for ages 65-74. Full recovery occurs at $151,668, meaning recipients above this threshold receive no OAS payment. For ages 75 and older, the thresholds are higher: clawback starts at $93,454 and completes at $157,490.

According to Canada.ca ESDC, these 2025 thresholds are based on the previous year’s net world income as reported on your tax return.

Guaranteed Income Supplement (GIS)

Low-income OAS recipients may also qualify for the Guaranteed Income Supplement, a needs-based top-up. The maximum GIS for single, widowed, or divorced recipients with annual income under $22,272 is up to $1,097.75 per month for July-September 2025. GIS payments are included in the same monthly deposit as your OAS.

Eligibility requirements for OAS

To qualify for OAS, you must be at least 65 years old and meet Canadian residency requirements. The benefit is funded through general tax revenue, not personal contributions.

Residency requirements

You need at least 10 years of residence in Canada after turning 18 to qualify for any OAS. To receive the full maximum amount, you must have resided in Canada for at least 40 years after age 18. Partial amounts are calculated based on the ratio of your actual residence years to the 40-year requirement.

Application process

You can apply for OAS online through your My Service Canada Account or in person at a Service Canada office. The application typically takes 6-8 weeks to process for first-time recipients.

Other government benefit payment comparisons

OAS payments align with CPP but differ from several other federal and provincial benefit programs. If you receive multiple government benefits, knowing these differences helps you anticipate your total monthly cash flow.

Benefit Program Payment Date Pattern How It Differs From OAS
Canada Pension Plan (CPP) Same day as OAS Identical schedule
Veterans Affairs Pension One day after OAS Always one day later
Canada Child Benefit Varies (e.g., Dec 12) Different calculation period
Ontario Trillium Benefit 10th of each month Fixed date, not last business day
Canada Carbon Rebate Quarterly Four times yearly, not monthly

The pattern: federal seniors benefits (OAS/CPP) share the last-business-day schedule, while provincial and child benefits use fixed calendar dates, creating a staggered deposit calendar for Canadians receiving multiple programs.

The implication: if you receive OAS alongside provincial benefits like the Ontario Trillium Benefit, your deposits will arrive on different dates throughout the month. Veterans receiving both OAS and Veterans Affairs pensions should note the one-day delay on federal pension payments.

How OAS payments are adjusted

OAS payments are adjusted quarterly to keep pace with inflation. Each adjustment reflects changes in the Consumer Price Index, ensuring that purchasing power stays relatively stable over time.

Quarterly adjustment timing

Payments are adjusted in January, April, July, and October of each year. The adjustment announced in July typically reflects CPI changes from the previous three months. For the October-December 2025 quarter, the adjustment is based on CPI data from November 2025 through January 2026.

Recent adjustment history

OAS benefits increased by 0.7% for the October-December 2024 quarter. Comparable increases are expected for the 2025 quarters as inflation data becomes available. Service Canada publishes the exact adjustment amounts before each quarter begins.

Bottom line: OAS payments in 2025 arrive on the last business day of each month, with confirmed dates from July 29 through December 22. Seniors receiving the maximum will see up to $734.95 monthly (ages 65-74) or $808.45 (ages 75+). High earners with net world income above $93,454 should expect partial or full clawback. Canadians already collecting OAS should mark December 22 as the final 2025 payment date—the deposit arrives nearly a week earlier than a typical month-end deposit.

Related reading: Canada Child Benefit September 2025 payment date · Deadline for RRSP Contributions 2025

Additional sources

mbtaxsolutions.com, youtube.com, koho.ca, youtube.com, canada.ca, qtrade.ca

This OAS calendar matches the detailed OAS 2025 schedule with added CPP details for comprehensive retiree planning.

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Frequently asked questions

How do I check my personal OAS payment date?

Log into your My Service Canada Account to view your payment schedule, current amount, and tax slip information. Your specific payment date will match the official calendar for the relevant month.

What if my payment date falls on a holiday?

Service Canada automatically shifts the payment to the preceding business day when the last business day falls on a federal holiday. This is why December 2025 arrives on December 22 instead of December 24 or later—Christmas Eve and Christmas Day push the last business day forward.

Is direct deposit faster for OAS?

Yes. Direct deposit typically credits funds on the morning of the payment date, often before 9:00 AM local time. Cheque recipients should allow 3-5 additional business days for postal delivery, particularly around holidays when mail volumes increase.

What is the difference between OAS and RRQ?

OAS is a federal benefit administered by Service Canada, available across all provinces and territories. RRQ (Régime de rentes du Québec) is Quebec’s provincial pension plan, administered separately by Retraite Québec. Both programs have similar purposes but different eligibility rules, payment amounts, and administration.

How to update banking info for pension?

Update your direct deposit information through My Service Canada Account under “Change banking information” or by visiting a Service Canada office with void cheque and identification. Changes typically take effect within 1-2 payment cycles.

Are 2025 dates subject to change?

The official Government of Canada payment calendar is updated regularly. Once published, dates rarely change, but unusual circumstances (natural disasters, system outages) could theoretically affect delivery. Check Canada.ca for the most current version if you have concerns.

Where to find OAS payment PDF?

The official payment calendar is available as a downloadable PDF on Canada.ca. Search “benefits payment dates 2025” to locate the current version, which covers OAS, CPP, and other federal benefit programs.

How does OAS clawback affect my payment?

If your net world income exceeds $93,454 (ages 65-74) or $93,454 (ages 75+), your OAS is reduced by 15% of income above the threshold until it reaches zero at $151,668 (65-74) or $157,490 (75+). This recovery is calculated annually based on your previous year’s tax return and spread across the year’s payments.