Canadian seniors waiting for their September 2025 payments can finally exhale.
The Canada Pension Plan (CPP) and Old Age Security (OAS) deposits for September are confirmed for Thursday, September 25, 2025.
Below, you’ll find the exact pay date, the newest monthly amounts for CPP and OAS (including GIS maximums and income thresholds), how indexation works this year, and quick fixes to avoid delays or trace a missing deposit.
September 2025 Pay Date at a Glance
- CPP deposit date: September 25, 2025 (includes retirement, disability, children’s and survivor benefits).
- OAS deposit date: September 25, 2025 (includes OAS pension, Guaranteed Income Supplement (GIS), Allowance, and Allowance for the Survivor).
If you use direct deposit, funds are typically available on the same day. Mailed cheques can take longer; to avoid delays, ensure you’re enrolled in direct deposit or update banking information ahead of time (Service Canada: 1-800-277-9914).
What You’ll Receive in September: CPP (2025)
CPP amounts for 2025 (what to expect in September)
- Maximum monthly CPP retirement pension (starting at 65 in 2025): $1,433.00.
- Average amount for new CPP retirement beneficiaries (April 2025): $844.53.
These figures reflect the 2025 schedule and the ongoing CPP enhancement that began in 2019.
Indexation for 2025: CPP payments in pay in 2024 were increased by 2.6% for 2025 based on the Consumer Price Index (CPI)—that’s the across-the-board COLA applied to benefits paid during 2025.
Other 2025 CPP maximums (for reference):
- Disability pension: $1,673.24
- Survivor’s pension (65+): $859.80
- Survivor’s pension (<65): $770.88
- Post-retirement benefit at 65 (PRB): $49.39
- Death benefit (one-time): $2,500
These are the maximum monthly amounts for new benefits beginning in 2025. Actual payments vary by your contributions and the age you start.
Why your CPP may differ
Your CPP amount depends on how much and how long you contributed, your start age (60–70), and whether you’re receiving PRBs after working while on CPP.
Deferring to age 70 increases CPP (and starting earlier reduces it).
What You’ll Receive in September: OAS (July–September 2025 Quarter)
OAS is re-indexed quarterly and is currently paying the July–September 2025 rates in September. Based on CPI, OAS benefits rose by 1.0% for this quarter (and by 2.3% year-over-year from July 2024 to July 2025).
OAS pension maximums (July–September 2025):
- Age 65–74: $734.95 / month
- Age 75+: $808.45 / month (reflects the ongoing 10% increase for seniors 75+ introduced in 2022).
GIS maximums & 2025 income thresholds (July–September 2025):
- Single / widowed / divorced: up to $1,097.75 / month if 2024 net income < $22,272
- With spouse/partner receiving full OAS: up to $660.78 / month if combined income < $29,424
- With spouse/partner receiving Allowance: up to $660.78 / month if combined income < $41,184
- With spouse/partner not receiving OAS/Allowance: up to $1,097.75 / month if combined income < $53,376
Clawback note (OAS Recovery Tax, 2025): The OAS repayment range for 2025 begins at $93,454 of net world income (higher thresholds apply for age 75+).
If your income exceeds the threshold, part or all of your OAS may be recovered via tax.
September 2025 Payment Snapshot
| Program | Confirmed September 2025 Pay Date | Maximum Monthly Amount | Average (context) | Notes |
|---|---|---|---|---|
| CPP – Retirement (at 65, new in 2025) | Sept 25, 2025 | $1,433.00 | $844.53 (new beneficiaries, Apr 2025) | 2025 COLA +2.6%; actual amount varies by contributions and start age. |
| CPP – Disability (max) | Sept 25, 2025 | $1,673.24 | — | Includes earnings-related and flat-rate portions. |
| CPP – Survivor (65+) (max) | Sept 25, 2025 | $859.80 | — | Amount differs if under 65. |
| OAS – Age 65–74 (max) | Sept 25, 2025 | $734.95 | — | OAS is quarterly indexed; July–Sept 2025 +1.0%. |
| OAS – Age 75+ (max) | Sept 25, 2025 | $808.45 | — | 10% permanent increase for 75+ remains in effect. |
| GIS – Single (max) | Sept 25, 2025 | $1,097.75 | — | Income threshold: <$22,272 (2024 net income). |
How Indexation Works in 2025
- CPP: Benefits paid during 2025 reflect a 2.6% CPI adjustment. This increase applies to the calendar year and protects purchasing power
- OAS/GIS/Allowances: Adjusted quarterly (January, April, July, October). For July–September 2025, OAS increased 1.0%; new rates take effect again in October–December 2025 (pre-calculated at +0.7% based on CPI changes).
Eligibility Reminders (CPP & OAS)
- CPP is contributory: you generally become eligible at 60–70 depending on when you start, with the standard age at 65. The longer and higher you contribute (up to the YMPE/YAMPE limits), the closer you’ll be to the maximum.
- OAS is residency-based: generally 65+ with at least 10 years of Canadian residency after age 18 for a partial pension; 40 years for a full pension. An automatic 10% increase applies once you turn 75.
- GIS/Allowance depend on income and marital status; they’re recalculated each July using your prior year’s income.
Avoiding Delays and Fixing a Missing Payment
- Use direct deposit / keep bank info current. It’s the fastest way to receive CPP and OAS.
- Didn’t get paid on Sept 25? Allow 1–2 business days (banks may process late in the day). Then call Service Canada at 1-800-277-9914 to trace the payment and confirm your details.
- Living outside Canada? You can manage direct deposit by phone; collect calls are accepted at 613-957-1954 (Mon–Fri, 8:30 am–4:30 pm ET).
Looking Ahead: October–December 2025
After the September payment, OAS will reset to the October–December 2025 rates, reflecting the next CPI calculation (+0.7% quarter-over-quarter). Watch your October deposit for the updated amount.
Detailed OAS & GIS Amounts (July–September 2025)
| Benefit | Maximum Monthly | Income Limits (for 2025 assessments) |
|---|---|---|
| OAS (65–74) | $734.95 | OAS repayable above 2025 thresholds (recovery tax applies at higher incomes). |
| OAS (75+) | $808.45 | Repayment thresholds are higher for 75+. |
| GIS (Single) | $1,097.75 | <$22,272 net income (2024) |
| GIS (Spouse gets full OAS) | $660.78 | < $29,424 combined income |
| GIS (Spouse gets Allowance) | $660.78 | < $41,184 combined income |
| GIS (Spouse not on OAS/Allowance) | $1,097.75 | < $53,376 combined income |
Taxes, Clawbacks, and Coordination Tips
- CPP and OAS are taxable. You can request additional tax be withheld to avoid a bill at tax time.
- OAS Recovery Tax (clawback) may reduce your OAS if your net world income exceeds the 2025 thresholds (starting at $93,454).
- Low-income seniors should verify GIS eligibility every year (recalculated each July) and also check for provincial top-ups like Ontario’s GAINS.
- Quebec residents: Your earnings-based pension is QPP, not CPP. OAS/GIS rules still apply federally.
For September 2025, both CPP and OAS land on Thursday, September 25, 2025.
Thanks to 2025’s CPP COLA (+2.6%) and OAS’s quarterly indexation (+1.0% this quarter), seniors continue to see benefits maintain their purchasing power.
If you’re 65–74, the maximum OAS for this quarter is $734.95; for 75+, it’s $808.45—and CPP (for new retirees at 65 in 2025) tops out at $1,433.00 per month, with actual amounts depending on your contribution history and start age.
To get paid on time, enrol in direct deposit, keep your details current, and if payment doesn’t arrive, call Service Canada (1-800-277-9914) to trace it.