The CRA GST Credit October 2025 Payment Date has been officially confirmed, offering much-needed financial assistance to Canadians with low or modest incomes.
As the cost of living remains unpredictable, this quarterly, tax-free benefit from the Canada Revenue Agency (CRA) helps ease the burden of federal sales taxes.
This guide explains who qualifies, how much money recipients can expect, and when the next GST/HST credit payment will arrive.
What Is the CRA GST/HST Credit?
The GST/HST credit is a non-taxable quarterly benefit designed to provide relief to Canadians with lower household incomes.
It helps offset part of the Goods and Services Tax (GST) and Harmonized Sales Tax (HST) paid on everyday goods and services.
The October 2025 payment is the fourth and final installment for the 2025 benefit year. Eligible Canadians do not need to apply separately, as the amount is automatically calculated based on their 2024 tax return.
Payments are issued four times a year:
- January
- April
- July
- October
Most recipients receive their money via direct deposit, while others get a mailed cheque.
CRA GST/HST Credit Payment Schedule 2025
The CRA follows a quarterly payment schedule for GST/HST credits. Below is the 2025 timeline:
| Quarter | Payment Month | Status |
|---|---|---|
| Q1 | January 2025 | Completed |
| Q2 | April 2025 | Completed |
| Q3 | July 2025 | Completed |
| Q4 | October 4, 2025 | Upcoming |
The October 2025 GST credit will be automatically deposited into eligible bank accounts on October 4, 2025.
GST/HST Credit Amounts for October 2025
The payment amount is determined by your net family income and family situation reported in the 2024 tax return.
The total annual benefit is divided into four equal parts, one of which is the October payment.
For the July 2025 – June 2026 benefit year, the maximum annual amounts are:
- $496 for a single individual
- $650 for a married or common-law couple
- $171 for each dependent child under 19
Example: A family of four (two parents and two children) could receive $992 per year, which means $248 will be paid in October 2025.
These figures are indexed to the cost of living, ensuring that the benefit remains relevant as expenses increase.
CRA GST/HST Credit Eligibility Criteria
To qualify for the GST/HST credit in 2025, applicants must meet the following conditions:
- Be a resident of Canada for income tax purposes.
- Be 19 years or older, or:
- Have (or had) a spouse/common-law partner.
- Be (or were) a parent living with your child.
- File your 2024 income tax return.
Eligibility is assessed based on 2024 net family income, including your spouse’s or partner’s income.
Other factors, such as marital status, number of dependents, and province of residence, also play a role.
If your income is above the set threshold, your benefit may be reduced or eliminated entirely.
How to Receive the October 2025 GST/HST Credit
The CRA GST Credit is distributed automatically; there is no separate application process. To ensure smooth processing:
- Direct Deposit – Fastest and most secure option. Funds are deposited directly into your bank account.
- Cheque – Delivered by mail, but this method may take a few extra business days.
To avoid delays, make sure your banking details and mailing address are up to date in your CRA MyAccount.
If you do not receive your October 2025 GST credit by mid-October, you should:
Log in to CRA MyAccount to check your payment status.
Contact the CRA directly to report a missing payment or confirm eligibility.
Why the October 2025 GST/HST Credit Matters
The GST/HST credit is more than just a tax benefit—it plays a vital role in helping families, seniors, and individuals cope with rising expenses.
With the cost of groceries, housing, and utilities continuing to climb, these payments provide timely relief to millions of Canadians.
The October installment marks the end of the 2025 benefit year, but it also serves as a reminder to file your taxes accurately each spring to secure eligibility for the next cycle.
The CRA GST Credit October 2025 Payment Date is officially set for October 4, 2025, providing crucial, tax-free support to Canadians struggling with the cost of living.
With automatic deposits based on prior-year income, recipients don’t need to apply separately—just ensure your CRA MyAccount information is accurate.
Whether you are a student, retiree, or parent, this credit can make a meaningful difference in managing household expenses.
By keeping track of payment schedules and eligibility requirements, you can ensure you receive every benefit you’re entitled to.
Frequently Asked Questions
When is the next GST/HST credit payment in 2025?
The next payment is scheduled for October 4, 2025, marking the final quarterly installment for the 2025 benefit year.
How much will I receive in October 2025?
The amount depends on your income and family situation. A single individual may receive up to $124, while a family of four could receive up to $248 for this quarter.
Do I need to apply for the GST/HST credit?
No. The credit is automatic and is calculated from your 2024 tax return. As long as you filed your taxes, the CRA will determine your eligibility and issue the payment.