In an unexpected turn of events, thousands of Canadians discovered a $680 deposit from the Canada Revenue Agency (CRA) in their bank accounts in 2025.
While many assumed it to be a mistake, refund, or bonus, this tax-free payment is actually part of the GST/HST credit, a financial aid program aimed at helping Canadians manage rising living costs.
Let’s break down what the $680 CRA payment really is, who qualifies, how much you can receive, and the exact steps to ensure you don’t miss out on this benefit.
What Is the $680 CRA Payment?
The GST/HST credit is a quarterly, tax-free payment provided by the CRA to support low- and moderate-income individuals and families. It is not linked to purchases or refunds but is a direct government payment meant to offset the burden of consumption taxes.
This benefit is calculated based on your previous year’s income tax return. For the July 2024 to June 2025 payment period, the 2023 tax return determines eligibility and payment amount.
Who Can Receive the $680 CRA Benefit?
To qualify for this payment in 2025, several income and personal criteria must be met.
1. Income Thresholds and Family Status
The amount you receive depends on your net income, marital status, and the number of children under age 19.
| Household Type | Maximum Annual Credit |
|---|---|
| Single Individual | $519 |
| Married/Common-law Couple | $680 |
| Per Child (under 19) | +$179 per child |
- Single individuals with a net income over $49,000 may receive a reduced amount or nothing at all.
- Families with higher combined incomes will see phased-out or no payments.
2. Residency and Age Requirements
You must:
- Be at least 19 years old, or
- Have a spouse/common-law partner, or
- Be a parent to a child, and
- Be a resident of Canada for tax purposes.
3. Tax Filing Is Mandatory
Even if you earned no income in 2023, filing a tax return is required. The CRA uses your return to determine eligibility and payment amounts. If you don’t file, you won’t receive the payment.
2025 CRA Payment Dates and Schedule
The CRA issues GST/HST credit payments four times a year—either via direct deposit or mailed cheque.
| Month | Payment Date |
|---|---|
| January | January 3 |
| April | April 3 |
| July | July 4 |
| October | October 3 |
If your quarterly amount is under $50, the CRA may combine all payments into a single lump sum in July.
How to Ensure You Receive the CRA Payment
You don’t need to apply separately for the GST/HST credit. Just follow these three simple steps:
Step 1: File Your 2023 Income Tax Return
Your payment for July 2024 to June 2025 is based on your 2023 income. Even if you had zero income, file your return to stay eligible.
Step 2: Update Life Changes with CRA
Notify CRA of any changes in:
- Marital status
- Number of children
- Address
- Banking details
These can directly impact the amount or timing of your payment.
Step 3: Use the CRA My Account Portal
Register on CRA My Account to:
- View payment history
- Track upcoming payment dates
- Update personal information instantly
Real-Life Scenario: How One Family Benefits
Let’s take the example of Samantha and John, a couple living in Ontario. They filed their 2023 taxes with a combined income of $32,000 and have one child.
| Credit Type | Amount |
|---|---|
| Couple Credit | $680 |
| Child Credit | $179 |
| Total Credit | $859 |
They will receive $214.75 per quarter throughout the year, providing meaningful support for bills and household needs.
Why Many Canadians Were Surprised
Some recipients were unaware of this benefit because:
- They filed taxes late, triggering back payments
- They had recent life changes (e.g., new baby, lower income)
- They just turned 19 and became eligible
- CRA issued a retroactive payment after reassessment
If you receive an unexpected CRA deposit, don’t panic—log into your CRA My Account to verify the source.
How to Maximize Your CRA GST/HST Credit
To make the most of your CRA benefit:
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- Enable direct deposit for quicker access
- Monitor your CRA account regularly
- Use the funds for utility bills, groceries, or essentials
- Combine this benefit with others like the Canada Child Benefit (CCB) or Climate Action Incentive Payment (CAIP)
This support isn’t just for families. Students, seniors, and low-income workers may also qualify if they meet the criteria.
This Is Not a Bonus – It’s a Lifeline
The $680 CRA payment is part of an ongoing effort by the government to help Canadians manage day-to-day living expenses through the GST/HST credit system.
By filing your taxes on time and keeping your details updated, you ensure that you don’t miss out on this important financial support.
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FAQs About the $680 CRA Payment
Q1: Is the $680 CRA payment a one-time bonus?
A: No, it’s part of the quarterly GST/HST credit, and the amount may vary depending on your income and family situation.
Q2: I didn’t receive the payment but believe I’m eligible. What should I do?
A: Log into your CRA My Account or contact the CRA directly to review your eligibility and payment status.
Q3: Do students or unemployed individuals qualify?
A: Yes, as long as they meet the residency, age, and income criteria, and have filed their tax return, they may qualify.
