October 2025 CPP & OAS Deposit Dates have been officially announced, and if you’re a retiree or planning your monthly budget, this update couldn’t come at a better time. With everything getting more expensive from groceries to utilities, timing your income is more important than ever. These federal benefits aren’t just numbers in your bank account; they’re a lifeline for millions of Canadians navigating retirement and fixed incomes.

In this post, we’re breaking down all the essential details surrounding the October 2025 CPP & OAS Deposit Dates. You’ll learn when to expect your payments, who qualifies for them, how much you could receive, and what changes are coming this month. We’re keeping things clear, straightforward, and up-to-date so you can skip the confusion and stay informed.

October 2025 CPP & OAS Deposit Dates

Knowing your October 2025 CPP & OAS Deposit Dates gives you more control over your monthly financial planning. Service Canada has confirmed that payments for both CPP (Canada Pension Plan) and OAS (Old Age Security) will be deposited on Wednesday, October 29, 2025. This date remains consistent for all eligible recipients across Canada. If you receive both benefits, expect two separate deposits into your account but they’ll arrive on the same day. These dates are crucial for seniors, caregivers, and those on a fixed income, as they directly affect daily and monthly budgeting.

Canada CPP + OAS Pension 2025 Overview

Details	Information
Authority	Services Canada
Post Title	October 2025 CPP & OAS Deposit Dates Confirmed
Country	Canada
Year	2025
Purpose	To support seniors and retirees financially
Eligible Age	CPP: 60–70 years, OAS: 65+ years
Frequency	Monthly
Deposit Date (October 2025)	29th October 2025 (Wednesday)
Official Website	canada.ca

OAS Pension + CPP Pension Deposit Dates

Each year, Service Canada releases the full payment schedule for both OAS and CPP so recipients know exactly when to expect their money. For October 2025, the deposit date falls on Wednesday, October 29. This date will apply whether you receive only one of the pensions or both. If you’re entitled to both, they’ll arrive on the same day but show up as separate transactions in your bank account. It’s worth noting that this consistency helps seniors avoid delays in rent, bill payments, or other monthly responsibilities.

Who Can Claim OAS & CPP on 29th Oct 2025

Let’s quickly go over who’s eligible to receive these payments in October 2025.

Old Age Security (OAS) is for Canadian residents aged 65 and older who have lived in Canada for at least 10 years after turning 18. Eligibility also depends on annual income:

• Ages 65–74: Income must be below $148,451
  
• Ages 75 and older: Income must be below $154,196
  

Canada Pension Plan (CPP) is available to those aged 60 and older. However, the full benefit kicks in at 65. To qualify, you must have contributed to the CPP during your working years. Your monthly CPP payment depends on how much and how long you contributed to the plan, along with the age at which you start collecting.

If you meet these criteria, you’re all set to receive your October 2025 CPP & OAS Deposit Dates payment right on time.

Old Age Security + Canada Pension Plan Amount

The payment amounts for both OAS and CPP change occasionally, depending on inflation adjustments and government policy updates. For October 2025, there’s a confirmed 0.7% increase in OAS payments, offering a little extra support for seniors.

Here’s what the updated OAS payment amounts look like:

OAS Payments (October 2025):

• Ages 65–74:
  
  • Previous: $734.95/month
    
  • Updated: $740.09/month
    
• Ages 75+:
  
  • Previous: $808.45/month
    
  • Updated: $814.10/month
    

CPP Payments (October 2025):

• Maximum amount for those retiring at age 65: $1,433/month
  
• Actual amounts vary based on your personal contributions and retirement age.
  

It’s important to remember that these are the maximums. Not every senior receives the full amount, as it depends on work history, contribution years, and when the pension is taken.

Why These Payment Dates Matter

These benefits are more than just monthly deposits; they’re a key part of retirement stability for millions of Canadians. The October 2025 CPP & OAS Deposit Dates are particularly helpful for those managing tight budgets or dealing with increased costs of living. Having a predictable, reliable schedule means seniors can plan for groceries, medications, rent, and more without the stress of unexpected delays.

Even minor adjustments, like the 0.7% OAS increase, can make a meaningful difference over the long term, especially for low-income seniors.

Final Thought

Understanding your October 2025 CPP & OAS Deposit Dates helps you stay one step ahead when it comes to budgeting your monthly expenses. Whether you’re relying on CPP, OAS, or both, knowing the exact deposit date and expected amount can make life just a bit easier. These programs exist to provide support, and even small updates like the increase in OAS payments matter when every dollar counts.

Found this helpful? Share it with someone who needs to know or check out our latest updates on pensions, benefits, and financial planning tools for seniors. Stay informed, stay prepared.

FAQs