The Government of Canada has confirmed that Old Age Security (OAS) and Guaranteed Income Supplement (GIS) payments for July 2025 will be issued on July 29, 2025. These monthly benefits provide essential income support for millions of Canadian seniors and are automatically deposited on the last three business days of each month.
For retirees depending on public pensions to manage housing, groceries, and healthcare, the OAS GIS July 2025 payment is a financial lifeline—especially amid continued economic pressure in 2025.
July 2025 OAS and GIS Payment Schedule
When Will Seniors Receive Their Benefits?
The official CRA and Service Canada payment calendar confirms that OAS and GIS benefits will be sent out on July 29, 2025. Most recipients with direct deposit should see the funds in their bank accounts that day.
For those receiving payments by cheque, delivery may take slightly longer—expect them to arrive during the first week of August, depending on Canada Post timelines.
Tip: Seniors who haven’t yet enrolled in direct deposit can do so via My Service Canada Account (MSCA) for faster and more reliable access.
Updated OAS and GIS Amounts for July 2025
Benefit Increases Based on CPI Adjustments
Each quarter, the Canadian government updates OAS and GIS amounts based on changes in the Consumer Price Index (CPI) to protect seniors from inflation. The July 2025 rates reflect modest increases due to inflation recorded in early 2025.
Here’s what eligible recipients can expect:
| Age Group | Maximum Monthly OAS | Maximum GIS (Single) | Maximum GIS (Spouse on OAS) |
|---|---|---|---|
| 65–74 years | \$713.34 | \$1,065.47 | \$641.23 |
| 75+ years | \$784.67 | \$1,065.47 | \$641.23 |
The higher OAS amount for those aged 75+ reflects the government’s 2022 decision to introduce an age-based enhancement for older seniors.
Who Is Eligible for OAS and GIS in July 2025?
Eligibility Criteria for Each Program
To receive payments in July 2025, seniors must meet the following requirements:
- OAS Eligibility:
- Must be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
- GIS Eligibility:
- Must already be receiving OAS
- Meet low-income thresholds, assessed using 2024 income
- Must have filed a 2024 tax return to verify income eligibility
Important: Seniors who haven’t filed their 2024 tax returns may experience an interruption in GIS payments. File before the CRA spring deadline to avoid delays.
What’s New in the 2025 OAS and GIS Update?
Digital Access and CPI-Based Adjustments
In addition to inflation-linked increases, Service Canada has introduced upgrades to its digital services, aiming to make benefit access simpler for seniors. These include:
- Real-time access to OAS and GIS payment statements
- Notifications for payment delays or account issues
- Online tools to update income and verify GIS eligibility
The move toward digital communication is part of a broader push to reduce paperwork, cut wait times, and ensure faster issue resolution.
For digital-savvy seniors or family caregivers, My Service Canada Account (MSCA) now offers more robust tools to manage pension benefits.
Why OAS and GIS Benefits Are More Important Than Ever
Rising Costs Are Pressuring Retirees
With grocery bills, prescription costs, and rent rising across the country, many seniors are finding it harder to stretch their fixed incomes. For those without significant personal savings or private pensions, OAS and GIS form the core of monthly income.
The OAS GIS framework helps older Canadians:
- Maintain financial independence
- Avoid poverty in retirement
- Access supplemental provincial supports, such as:
- Ontario GAINS
- BC Senior’s Supplement
- Alberta Seniors Benefit
Combining federal and provincial benefits can significantly increase total monthly income, providing a more sustainable retirement lifestyle.
How to Check Your Payment and Stay Informed
Use MSCA to Track Benefits and Avoid Disruptions
To monitor your July 2025 OAS or GIS payment, log in to your My Service Canada Account. You’ll be able to:
- View your payment status and deposit history
- Update banking or mailing details
- Receive alerts on eligibility or changes in benefit rates
Seniors without internet access can contact Service Canada by phone or visit a local office for updates or assistance.
Don’t wait until the last minute—make sure your information is up to date ahead of the July 29, 2025 payment date.