Millions of Canadian seniors depend on the Old Age Security (OAS) program for monthly retirement income. For July 2025, Service Canada has officially confirmed that OAS payments will be made on Wednesday, July 30, 2025. This date gives seniors clarity and helps them plan their monthly budgets with confidence.
If you’re receiving OAS, GIS, or Allowance benefits, here’s everything you need to know about the July 2025 payment—who qualifies, how much you’ll get, and what to do if your payment is delayed.
Table of Contents
Payment
The Old Age Security pension is a monthly payment for Canadians aged 65 and over. It’s designed to provide a basic income for seniors in retirement. Along with OAS, many also qualify for the Guaranteed Income Supplement (GIS) and Allowance benefits, especially those with lower incomes.
All these benefits are processed either through direct deposit or mailed cheque, depending on how your account is set up with the CRA.
Schedule
Here’s a breakdown of the July 2025 payment schedule for senior benefits:
| Benefit | Payment Date | Details |
|---|---|---|
| Old Age Security (OAS) | July 30, 2025 | Monthly pension for eligible seniors |
| Guaranteed Income Supplement (GIS) | July 30, 2025 | Extra support for low-income seniors |
| Allowance / Survivor Allowance | July 30, 2025 | For low-income individuals aged 60–64 |
If your payment is delayed, it’s best to log into your CRA My Account or call Service Canada to check the status.
Eligibility
To receive the July 2025 OAS payment, you must meet the following criteria:
- Be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
You need to apply through Service Canada unless you are automatically enrolled. If your income is above a certain threshold, your OAS payment might be partially or fully reduced due to the Old Age Security Recovery Tax.
Amounts
The exact amount you receive depends on your age and annual income. For July 2025, the estimated maximum OAS monthly payments are:
| Age Group | Estimated Monthly Payment |
|---|---|
| 65 to 74 years | $713.34 |
| 75 years and older | $784.67 |
These amounts are adjusted periodically for inflation. If you qualify for GIS, you could receive several hundred dollars more per month based on your income and marital status.
Status
If July 30 rolls around and you don’t see your payment, don’t panic. Here’s what you can do:
- Log in to your CRA My Account to view your payment history
- Use the CRA mobile app for real-time updates
- Call the CRA’s automated phone service for status inquiries
Common reasons for delays include incorrect banking info, recent address changes, or missing eligibility documents. Keeping your records current with Service Canada and CRA will help avoid these issues.
Updates
The OAS program is a taxable benefit, so it may impact your annual tax return. Seniors who also receive GIS should be aware that increases in income—from RRSP withdrawals, pension income, or even part-time work—can affect GIS eligibility.
To stay on track:
- Review your income sources every year
- Update the CRA and Service Canada with any changes
- Track your payments and benefits using online tools
The July 2025 OAS payment of $713.34 for seniors aged 65–74 and $784.67 for those 75 and older is part of Canada’s effort to provide consistent financial support during retirement. Just make sure your info is up to date to avoid any disruptions.
FAQs
When is the OAS payment for July 2025?
It will be issued on Wednesday, July 30, 2025.
How much will seniors get in July 2025?
Up to $784.67, based on age and income.
Who qualifies for OAS in 2025?
Canadians aged 65+ with 10+ years of residency.
What if my payment is delayed?
Check CRA My Account or contact Service Canada.
Is OAS affected by income?
Yes, high income may reduce your OAS through clawback.
