The Canada Revenue Agency (CRA) and Service Canada have confirmed the Canada Pension Plan (CPP) and Old Age Security (OAS) payment amounts and dates for September 2025. Millions of seniors across the country rely on these benefits to cover living expenses, and this month’s deposits will reflect the most up-to-date indexed rates.
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CPP and OAS: What Seniors Can Expect in September 2025
Eligible seniors will receive both CPP and OAS through direct deposit or mailed cheque. Payments are taxable benefits and provide essential retirement income.
- Canada Pension Plan (CPP): The maximum monthly retirement pension is $1,433.00 in 2025. Actual payments vary depending on how much an individual contributed to the plan during their working years.
- Old Age Security (OAS): For the July–September 2025 quarter, the maximum monthly OAS benefit is $734.95 for seniors aged 65 to 74, and $808.44 for those aged 75 and older.
This means that some Canadians could receive a combined total of up to $2,241.44 in September 2025 if eligible for both the maximum CPP and OAS.
When Will CPP and OAS Be Paid in September 2025?
According to the official government schedule, the payment date for both CPP and OAS in September 2025 is Friday, September 26, 2025. Funds will be deposited directly into registered bank accounts for those enrolled in direct deposit. Mailed cheques may take several business days longer.
Who Qualifies for CPP?
To receive CPP, you must:
- Be at least 60 years old.
- Have made at least one valid contribution to the CPP during your working life (through employment deductions or self-employment contributions).
- The monthly amount depends on your contributions, earnings history, and the age you start collecting.
Canadians who delay CPP past age 65 can receive higher monthly payments. For example, starting at 70 increases the monthly benefit by up to 42%.
Who Qualifies for OAS?
To receive OAS, you must:
- Be 65 years of age or older.
- Be a Canadian citizen or legal resident at the time your application is approved.
- Have lived in Canada for at least 10 years since age 18 (40 years of residence are required to qualify for the full pension if living in Canada).
Most Canadians are automatically enrolled, but some may need to apply if Service Canada does not have enough information.
Why Are These Benefits Indexed?
Both CPP and OAS are adjusted to protect seniors against inflation:
- CPP is indexed annually in January.
- OAS is reviewed quarterly (January, April, July, and October) to reflect changes in the cost of living.
This ensures retirement income keeps up with rising expenses, especially as housing, healthcare, and groceries remain significant financial pressures for seniors.
Direct Deposit and Payment Security
The CRA and Service Canada encourage all Canadians to sign up for direct deposit. This method is:
- Faster – no waiting for mailed cheques.
- Safer – reduced risk of lost or stolen payments.
- Reliable – deposits arrive automatically on scheduled dates.
Enrollment can be completed through a financial institution, CRA My Account, or Service Canada.
For September 2025, Canadian seniors can expect the following:
- CPP payment of up to $1,433.00
- OAS payment of up to $808.44 (for seniors 75 and over; $713.34 for those 65–74)
- Deposit date: September 25, 2025
These combined benefits provide vital income support to retirees across Canada, helping offset rising living costs while ensuring financial stability in retirement.