Every date on this page comes from Service Canada’s official benefits payment calendar on Canada.ca, checked on September 29, 2026. This page is a calendar and explainer, not advice. The amount you get depends on your own contribution history, age, income and years in Canada, so check My Service Canada Account for your own payment details.
CPP and OAS payment dates 2026 (and 2025)
Next payment date
Wednesday, October 28, 2026
This is the date the payment is issued. Deposits can take a few days to arrive and mailed cheques can take longer, so allow a few business days before contacting the government.
| Month | 2026 | 2025 |
|---|---|---|
| January | Wed, January 28 | Wed, January 29 |
| February | Wed, February 25 | Wed, February 26 |
| March | Fri, March 27 | Thu, March 27 |
| April | Tue, April 28 | Mon, April 28 |
| May | Wed, May 27 | Wed, May 28 |
| June | Fri, June 26 | Thu, June 26 |
| July | Wed, July 29 | Tue, July 29 |
| August | Thu, August 27 | Wed, August 27 |
| September | Fri, September 25 | Thu, September 25 |
| October | Wed, October 28 | Wed, October 29 |
| November | Thu, November 26 | Wed, November 26 |
| December | Tue, December 22 | Mon, December 22 |
How to read this table: Each cell is the day Service Canada issues the monthly payment. CPP and OAS use the same dates. 2027 is added when Canada.ca publishes it. Source: Benefits payment dates — Canada.ca (Canada Pension Plan, 2026 dates); Old Age Security — Receiving your pension — Canada.ca (payment by cheque); Contact Canada Pension Plan — Canada.ca (phone numbers and hours); Contact Old Age Security — Canada.ca (phone numbers and hours). Dates checked September 29, 2026.
Which payments are on the CPP and OAS calendar?
Canada.ca lists the Canada Pension Plan and Old Age Security in two tables, and for 2025 and 2026 every date in them is identical, so the CPP payment dates and the OAS payment dates are the same list. The two tables cover eight payments between them:
| Calendar | Payments it covers | Paid by |
|---|---|---|
| Canada Pension Plan (CPP) | Retirement pension, disability benefit, children’s benefit, survivor’s pension | Service Canada |
| Old Age Security (OAS) | OAS pension (sometimes called the old age pension), Guaranteed Income Supplement (GIS), Allowance, Allowance for the Survivor | Service Canada |
A few practical points follow from this. If you get both CPP and OAS, they are two separate payments issued on the same day, because they are separate programs. The GIS is not a separate date: it comes with your OAS payment. A CPP disability benefit follows the CPP retirement dates. And the Canada child benefit and the Canada Groceries and Essentials Benefit (called the GST/HST credit before July 2026) are on a different calendar run by the Canada Revenue Agency, covered in the CRA benefit payment dates guide.
What are the OAS and CPP payment dates for each month of 2026 and 2025?
Each month below gives the 2026 payment date and the 2025 date for the same month, so a current or past deposit can be checked quickly. CPP and OAS share every date.
January: CPP and OAS payment date
The January 2026 payment was issued on Wednesday, January 28 (January 2025: Wednesday, January 29). January is when CPP payments get their yearly cost-of-living increase if the Consumer Price Index went up, and it is also one of the four months when OAS rates are reviewed.
February: CPP and OAS payment date
The February 2026 payment was issued on Wednesday, February 25 (February 2025: Wednesday, February 26).
March: CPP and OAS payment date
The March 2026 payment was issued on Friday, March 27 (March 2025: Thursday, March 27). The March OAS and CPP payment is a regular monthly payment with no special rules attached.
April: CPP and OAS payment date
The April 2026 payment was issued on Tuesday, April 28 (April 2025: Monday, April 28). April is an OAS review month, so OAS, GIS and Allowance rates can change from the April payment.
May: CPP and OAS payment date
The May 2026 payment was issued on Wednesday, May 27 (May 2025: Wednesday, May 28).
June: CPP and OAS payment date
The June 2026 payment was issued on Friday, June 26 (June 2025: Thursday, June 26).
July: CPP and OAS payment date
The July 2026 payment was issued on Wednesday, July 29 (July 2025: Tuesday, July 29). July matters for low-income seniors: GIS, Allowance and Allowance for the Survivor amounts are recalculated each July from your previous year’s net income, and OAS rates are reviewed again. If your July amount changed, that is the usual reason.
August: CPP and OAS payment date
The August 2026 payment was issued on Thursday, August 27 (August 2025: Wednesday, August 27).
September: CPP and OAS payment date
The September 2026 payment was issued on Friday, September 25 (September 2025: Thursday, September 25).
October: CPP and OAS payment date
The October 2026 payment is issued on Wednesday, October 28 (October 2025: Wednesday, October 29). OAS benefits rose 1.4% for the October to December 2026 quarter, so the October OAS and GIS payment is the first one at the new rates. CPP amounts stay the same until January.
November: CPP and OAS payment date
The November 2026 payment is issued on Thursday, November 26 (November 2025: Wednesday, November 26).
December: CPP and OAS payment date
The December 2026 payment is issued on Tuesday, December 22 (December 2025: Monday, December 22). It comes earlier in the month than most payments. Canada.ca does not give a reason, so plan around the date itself, and remember that the next payment after it is the January 2027 payment, on a date not yet published.
When does the deposit arrive, and what if it is late?
Service Canada’s wording is careful: payments are issued on the dates listed, but may take a few days to arrive, and posted cheques may take longer than direct deposit. Canada.ca does not publish a time of day for deposits, so the date in the calendar is the day the money is sent, not a guarantee that it is in your account that morning.
If you don’t use direct deposit, your CPP or OAS cheque is mailed during the last 3 business days of each month, which means a cheque can land after the listed date.
When a payment seems to be missing, work through these steps in order:
- Check the date. Make sure you are looking at the right month in the calendar above, especially in December, when the payment comes earlier than usual.
- Wait 5 to 10 business days. Service Canada asks people to wait this long after the listed date before contacting it.
- Check the bank account on file. For OAS, the Payment details section of your profile in My Service Canada Account shows the account payments go to. For CPP, banking details can’t be changed there at this time, so confirm them by phone, through the call-back form or at a Service Canada office.
- Call Service Canada. From Canada or the United States, call 1-800-277-9914, Monday to Friday, 8:30 am to 4:30 pm local time; automated service runs 24 hours a day. From other countries, call 1-613-957-1954 collect (Eastern Time). TTY: 1-800-255-4786. Lines are closed on weekends and public holidays.
Beware of messages about “missed” or “extra” payments that ask you to sign in through a link. Service Canada says it will never ask for your password or personal information by email, text message or links.
How do you set up or change direct deposit for CPP and OAS?
Canada.ca says you can sign up for direct deposit at any time. The route depends on the program, because Service Canada currently handles CPP and OAS banking changes differently:
How to read this table: Official routes only. Never give banking details to anyone who contacts you first.
| Program | Online in My Service Canada Account? | Other official ways |
|---|---|---|
| Old Age Security (OAS pension, GIS, Allowance, Allowance for the Survivor) | Yes: sign in to My Service Canada Account, open the OAS dashboard, select Profile, then choose “Manage my payment destination”. First-time users activate this once by phone or at a Service Canada office. | eServiceCanada call-back form, a Service Canada office, or the OAS call centre |
| Canada Pension Plan (retirement, disability, survivor and children's benefits) | Not at this time: CPP information cannot be changed in My Service Canada Account. | eServiceCanada call-back form (a Service Canada representative calls back within 2 business days), a Service Canada office with ID, or the CPP call centre |
Source: Change your personal information with Service Canada (Canada.ca); Old Age Security — Receiving your pension (Canada.ca) — direct deposit and cheques; Old Age Security — Receiving your pension (Canada.ca) — updating banking information in MSCA; CPP retirement pension — Receive your benefits (Canada.ca); My Service Canada Account (MSCA) — Canada.ca (scam warning); Old Age Security payment amounts — Canada.ca (GIS and Allowance recalculated each July); Old Age Security payment amounts — Canada.ca (quarterly cost-of-living review). In effect from September 29, 2026; checked September 29, 2026.
For OAS, the online route works once it is set up. First-time users activate personal-information updates in their OAS account once, by phone or at a Service Canada office; after that, the steps are to sign in, open the OAS dashboard, select Profile and choose “Manage My Payment Destination”. The updated bank account then shows in the Payment details section of your profile. OAS can be paid into a bank account in Canada, the United States or other participating countries.
For CPP, My Service Canada Account can’t be used to change banking information at this time. The eServiceCanada form gets a Service Canada representative to call you back within 2 business days, or you can go to a Service Canada office with ID or call the CPP line.
How much do CPP and OAS pay in 2026?
The date tells you when the money comes; the amount depends on your own record. The official CPP table below shows the average amount for people who started a benefit recently and the maximum for a benefit starting in January 2026. The gap is large: the average new retirement pension at 65 was $858.34 a month in July 2026, against a maximum of $1,507.65.
How to read this table: Average = average monthly amount for new beneficiaries in July 2026. Maximum = maximum monthly amount for a benefit starting in January 2026 (maximums rise slightly each month because of the CPP enhancement). The death benefit is a one-time payment.
| CPP pension or benefit | Average, new beneficiaries (July 2026) | Maximum per month (2026) |
|---|---|---|
| Retirement pension (starting at age 65) | $858.34 | $1,507.65 |
| Post-retirement benefit (at age 65) | $26.25 | $54.69 |
| Disability benefit | $1,236.32 | $1,741.20 |
| Post-retirement disability benefit | $610.46 | $610.46 |
| Survivor's pension, survivor younger than 65 | $555.70 | $803.54 |
| Survivor's pension, survivor 65 and older | $336.91 | $904.59 |
| Children's benefit (disabled or deceased contributor), under 18 | $307.81 | $307.81 |
| Children's benefit, full-time student | $307.81 | $307.81 |
| Children's benefit, part-time student | $153.91 | $153.91 |
| Combined survivor's and retirement pension (at age 65) | $1,086.16 | $1,531.56 |
| Combined survivor's pension and disability benefit | $1,372.71 | $1,756.14 |
| Death benefit (one-time payment, not monthly) | $2,620.72 | $2,500.00 |
Source: Canada Pension Plan — Pensions and benefits monthly amounts (Canada.ca). In effect from January 1, 2026 to December 31, 2026; checked September 29, 2026.
Old Age Security works differently: the amount depends on your age, how many years you lived in Canada after 18 and your income, and the rates are reviewed every quarter. For October to December 2026 the maximum OAS pension is $762.50 a month at 65 to 74 and $838.75 at 75 and over, which reflects the permanent 10% increase for people 75 and older. The GIS and Allowance maximums and income limits for the current quarter are on the OAS payment amounts page, and a high income can reduce OAS through the recovery tax explained in the OAS clawback guide.
To see how CPP, OAS and the GIS add up for your own situation, the OAS, CPP and GIS planner combines them into a monthly income estimate.
Is there a double CPP or OAS payment? Fact-checking the rumours
Posts about a “double CPP payment”, a “December bonus” or a one-time OAS top-up circulate online. Here is what the official sources actually show:
- One payment per month. The 2026 CPP and OAS tables on Canada.ca list twelve dates each, one per month. There is no second date in any month.
- December is early, not doubled. The December 22 payment is December’s own payment. Because it comes earlier in the month than the others, it can look like an extra payment or like January’s payment arriving early; it is neither.
- Increases come through indexation. CPP payments increase each January if the cost of living goes up, and OAS rates are reviewed in January, April, July and October. The most recent change is the 1.4% OAS increase for October to December 2026. These are small rate changes built into the monthly payment, not lump-sum bonuses.
- Age 75 is a permanent step, not a bonus. OAS rises by 10% the month after you turn 75, and it stays at the higher rate.
- Retroactive or catch-up payments are individual. If Service Canada owes you money from a late application or a correction, that is specific to your file; it is not a general payment to all seniors.
If you see a claim about a new payment, check whether it appears on Canada.ca. If it doesn’t, treat it as a rumour, and never click a link in a message that asks for your banking information.
When will the 2027 CPP and OAS payment dates be published?
On September 29, 2026, Canada.ca listed CPP and OAS dates for 2025 and 2026 only, and the 2027 printable calendar was not yet available. This page adds a 2027 column to the calendar as soon as Service Canada publishes the dates, and the “next payment” box switches over automatically. Until then, 2027 dates on other sites are not official dates.
Common mistakes when checking CPP and OAS dates
- Using the CRA calendar. The Canada child benefit and the Canada Groceries and Essentials Benefit follow a different schedule, so a CRA date is not a CPP date.
- Expecting December’s payment at the end of the month. It comes earlier; check the December row before calling about a “missing” payment.
- Calling too soon. Service Canada asks you to wait 5 to 10 business days after the listed date first.
- Forgetting to update your bank account. Direct deposits go to the account Service Canada has on file, so update it when you change banks: OAS details online, CPP details through the call-back form, an office or the phone line.
- Assuming the Québec Pension Plan follows this calendar. The QPP is run by Retraite Québec and is not on the Service Canada CPP calendar.
- Reading an average as your amount. The CPP and OAS tables show averages and maximums; your own amount is in My Service Canada Account.
If you are still deciding when to start, the comparison of starting CPP at 60, 65 or 70 and the guide on how to apply for the CPP retirement pension explain what changes the monthly amount before the first payment date.