A new quarter means an Old Age Security (OAS) increase for millions of Canadian seniors—and the July 2025 payment is officially on the way. If you’re 65 or older and receiving OAS, you can expect a slightly higher pension payment this month thanks to cost-of-living adjustments tied to inflation.
Here’s everything you need to know about the OAS July 2025 payment: the confirmed deposit date, new benefit rates, and updated eligibility requirements.
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OAS July 2025 Payment Date
The Canada Revenue Agency (CRA) has confirmed that the July 2025 OAS payment will be issued on Tuesday, July 29, 2025. As always, payments are made on the third-last business day of each month. If you’re enrolled for direct deposit, it should appear in your bank account on that date.
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New OAS Payment Amounts for July–September 2025
OAS benefits are reviewed and adjusted quarterly based on the Consumer Price Index (CPI) to reflect changes in the cost of living. For the July to September 2025 quarter, payments have increased by 1.0%.
Here are the new maximum monthly OAS amounts:
| Age Group | Monthly Maximum (July 2025) |
|---|---|
| Age 65 to 74 | $734.95 |
| Age 75 and older | $808.45 |
Seniors aged 75 and older continue to receive a permanent 10% increase to their OAS, which was introduced in 2022 to help with rising living costs among older seniors.
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OAS Eligibility Requirements
To qualify for the OAS July 2025 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 age 18
- If applying from outside Canada, you must have lived in Canada for at least 20 years
- Must have filed your income tax return for 2024
For the full OAS pension, you typically need 40 years of residence in Canada after age 18. Partial pensions are available for those with fewer years of residency.
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OAS Clawback 2025: What to Know
If your annual net income exceeds a certain threshold, your OAS benefit may be reduced. For the July 2025 to June 2026 benefit year, the income recovery threshold is $93,454. For every dollar above this limit, your OAS will be reduced at a rate of 15%. If your income exceeds approximately $151,668, your OAS may be fully clawed back.
Guaranteed Income Supplement (GIS)
In addition to OAS, low-income seniors may qualify for the Guaranteed Income Supplement (GIS). GIS amounts are also adjusted quarterly.
Here are the maximum GIS amounts for July 2025:
- Single senior: $1,097.75
- Senior with a spouse/common-law partner who receives full OAS: $660.78
- Senior with a spouse who does not receive OAS or Allowance: $1,097.75
GIS is non-taxable and based on your income reported in your 2024 tax return.
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Full 2025 OAS Payment Schedule
Here are the remaining 2025 payment dates for OAS:
- July 29, 2025
- August 28, 2025
- September 26, 2025
- October 29, 2025
- November 27, 2025
- December 20, 2025
Payments may arrive earlier depending on your bank’s processing schedule.
How to Apply for OAS
You can apply for OAS starting six months before your 65th birthday. In some cases, Service Canada may auto-enroll you. If not, you can apply online through your My Service Canada Account or submit a paper application. Processing typically takes a few weeks, so it’s best to apply early.
Summary: What You Need to Know for July
- Payment Date: July 29, 2025
- New OAS Rates:
- $734.95/month (Age 65–74)
- $808.45/month (Age 75+)
- Quarterly increase of 1.0%
- GIS available for low-income seniors
- Clawback starts at $90,997 net income