GST/HST Credit Update- CRA Payment Date & Direct Deposit Details For October 2025

The CRA GST/HST Credit October 2025 Payment Date has been officially confirmed, marking the final installment of the year for millions of Canadians.

With inflation and cost-of-living pressures continuing across the country, this tax-free quarterly credit is designed to bring timely relief to low- and modest-income households.

Administered automatically by the Canada Revenue Agency (CRA), the Goods and Services Tax/Harmonized Sales Tax credit helps offset the burden of federal sales tax on everyday essentials.

For October 2025, payments will go out on October 4, 2025, through direct deposit or cheque. Understanding eligibility, payment amounts, and how to ensure you receive your credit is essential for households relying on this crucial financial support.

What Is the GST/HST Credit?

The GST/HST credit is a non-taxable benefit paid every three months to help Canadians manage the cost of sales taxes. Recipients don’t need to apply separately; eligibility is determined automatically based on the previous year’s tax return.

Key facts about the credit:

• Paid quarterly: January, April, July, and October.
• Delivered by direct deposit or cheque.
• Based on family income, marital status, and number of children.

The October 2025 payment is the fourth and final installment for the benefit year.

GST/HST Credit Payment Schedule for 2025

Here’s a breakdown of the 2025 payment cycle:

Quarter	Payment Month	Status
Q1	January 2025	Completed
Q2	April 2025	Completed
Q3	July 2025	Completed
Q4	October 4, 2025	Upcoming

This ensures predictability, with Canadians able to plan household budgets around guaranteed quarterly support.

GST/HST Credit Amounts for October 2025

The amount you receive depends on your 2024 income tax return and household structure. For the July 2025 – June 2026 benefit year, the CRA maximum annual credit amounts are:

• $496 for a single individual
• $650 for a married or common-law couple
• $171 per child under 19

These totals are divided into four equal installments.

Example:

• A single person may get up to $124 this October.
• A family of four (two adults, two children) could receive up to $248 in October, adding up to $992 annually.

These figures reflect cost-of-living indexing updates by the CRA, ensuring support keeps pace with rising expenses.

CRA GST/HST Credit Eligibility Rules

To qualify for the October 2025 credit, you must meet the following:

• Be a resident of Canada for tax purposes.
• Be at least 19 years old, OR:
  • Have (or had) a spouse/common-law partner, OR
  • Be (or were) a parent living with your child.
• File your 2024 income tax return (even if you had no income).

Eligibility is based on net family income and can be reduced or eliminated if income exceeds the threshold. The CRA considers marital status, dependents, and province of residence when calculating final amounts.

How to Receive the Payment

The process is simple and automatic:

1. File your taxes: The CRA uses your return to determine eligibility.
2. Check your CRA MyAccount: Ensure your banking details and mailing address are up to date.
3. Direct Deposit: Fastest way to get funds.
4. Mailed Cheque: May take several business days longer.

If your payment doesn’t arrive by mid-October, contact the CRA to check your status or report a missing payment.

Why This Credit Matters

For millions of Canadians—students, retirees, single parents, and modest-income families—the GST/HST credit is more than a tax adjustment; it’s an essential cost-of-living relief measure. Rising food, energy, and housing costs mean every quarterly payment plays a role in keeping budgets stable.

The CRA GST/HST Credit October 2025 Payment Date is officially set for October 4, 2025. With payments automatically deposited or mailed, eligible households should prepare by updating CRA information and reviewing their MyAccount for details.

This quarterly tax-free support ensures Canadians facing rising costs receive timely assistance. Whether you’re a single individual or a family with children, the GST/HST credit is designed to help reduce the financial strain of sales taxes and provide consistent relief throughout the year.

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