The Canada Revenue Agency (CRA) has begun issuing a $2,600 deposit to eligible Canadians starting Friday, July 2025, as part of a larger federal initiative aimed at combating inflation, assisting low-income families, and stabilizing post-pandemic finances.
While this amount might seem like a single cash benefit, it is actually a combined total of several recurring federal and provincial payments. This article explains what the $2,600 deposit includes, who qualifies, how to claim it before the July 15, 2025 deadline, and what to do if your deposit is delayed.
What Is the CRA $2,600 Direct Deposit?
The CRA $2,600 July 2025 payment is not a standalone benefit. Instead, it is the sum of various government support programs that eligible Canadians may receive this month. Depending on your qualifications, these benefits can include:
- Canada Pension Plan (CPP)
- Old Age Security (OAS)
- Guaranteed Income Supplement (GIS)
- GST/HST Credit
- Canada Workers Benefit (CWB)
- Climate Action Incentive Payment (CAIP)
- Canada Child Benefit (CCB)
- Provincial Supplements
Together, these recurring payments can total $2,600 or more, depending on your income level, household situation, and province of residence.
Who Is Eligible for the $2,600 CRA Payment?
Eligibility for the $2,600 deposit is based on your qualification for individual federal or provincial programs. Below is a simplified breakdown of key eligibility requirements:
| Program | Eligibility Criteria |
|---|---|
| GST/HST Credit | Must be 19+, a Canadian resident, or a parent of a child; income must be below threshold |
| Canada Workers Benefit | Must have earned income and filed your 2024 tax return |
| Climate Action Incentive | Must reside in a qualifying province and file taxes |
| Canada Child Benefit | Must be the primary caregiver of a child under 18; income-tested |
| Provincial Supplements | Based on provincial rules and tax return status |
General Requirements:
- Must be a Canadian resident for tax purposes
- Must have filed your 2024 tax return
- Must meet income and eligibility criteria for each applicable benefit program
CRA $2,600 Deposit – Payment Dates in July 2025
The total $2,600 is expected to be disbursed across different dates throughout July 2025, depending on the programs for which you qualify.
| Program | July 2025 Payment Date (Expected) |
|---|---|
| GST/HST Credit | July 5, 2025 |
| Climate Action Incentive | July 14, 2025 |
| Canada Child Benefit | July 20, 2025 |
| Canada Workers Benefit | July 28, 2025 |
| Provincial Supplements | Mid to Late July 2025 |
You may receive payments on multiple dates, depending on which benefits apply to you.
How to Set Up CRA Direct Deposit
The fastest and safest way to receive your CRA payments is through direct deposit. Here are three options to set it up:
Option 1: CRA My Account
- Visit CRA My Account
- Log in or register
- Navigate to ‘Profile’ > ‘Direct Deposit’
- Enter or update your banking details
Option 2: Through Your Bank
- Log into your online banking portal
- Find “CRA Direct Deposit” under Government Services
- Fill in your account information
Option 3: Paper Application
- Download and complete the CRA Direct Deposit form
- Enter your banking information
- Mail the form to Canada Revenue Agency
Ensure your banking info is up to date to avoid delays.
What to Do If You Haven’t Received the CRA $2,600 Deposit
If you expected the payment and haven’t received it by July 31, 2025, follow these steps:
- Wait 10 business days after the scheduled payment date
- Log in to your CRA My Account and check your benefit status
- Call the CRA Benefit Enquiries Line for further assistance
Common Issues That Delay CRA Payments
Several common problems could prevent or delay your deposit:
| Issue | Solution |
|---|---|
| Incorrect bank information | Update direct deposit details via CRA or your bank |
| Missed 2024 tax filing | File your tax return immediately |
| Income-based ineligibility | Use CRA’s online eligibility tools |
| No payment received | Check CRA account or contact CRA support |
| Scam emails or texts | CRA never asks for personal info via email or text—ignore these |
Why the CRA $2,600 Payment Matters
This multi-benefit deposit offers significant financial relief during a time when many Canadians are battling rising costs. By combining regular benefits into one impactful month, the federal government is easing the burden on low- and middle-income households.
Make sure your 2024 taxes are filed, your direct deposit is set up, and your CRA account is active to maximize your chances of receiving the full amount.
Frequently Asked Questions (FAQs)
Q1. Is the $2,600 CRA deposit a one-time payment?
No. The $2,600 is a combined total of several recurring federal and provincial benefits such as GST/HST Credit, CAIP, CCB, CWB, CPP, OAS, and GIS. The exact amount depends on your program eligibility.
Q2. Can I still receive the payment if I haven’t filed my 2024 tax return?
No. Filing your 2024 tax return is a must to be eligible for nearly all CRA benefits. File as soon as possible to be considered for the July payout.
Q3. What if I don’t receive the full $2,600 by July 15?
- Wait at least 10 business days after the expected payment date for each benefit.
- Then check your CRA My Account.
- If issues persist, call the CRA Benefit Enquiries line.
