OAS Payments Rise to $727 & $800: Are You Eligible for July 2025 Deposits?

If you live in Canada, are 65 years or older and rely on a pension or Old Age Security (OAS), there is great news for you from July 2025. The government has increased your monthly OAS payments. This change has been made keeping in mind rising inflation, medicines, rent and daily needs, so that seniors can live their lives with dignity and confidence.

How much has the OAS payment increased?

• Seniors aged 65 to 74: Monthly OAS payment is now $727.67
• 75 years and above: Monthly OAS payment is now $800.44
• This increase is based on the latest inflation (CPI) increase of 1% (July-September 2025).

Seniors also get a “10% age top-up bonus” in OAS when they turn 75, which gives them more money.

When and how will you receive the new benefit?

• Payments for the new amount begin July 29, 2025
• You don’t need to file any new applications or forms – payments will increase automatically for all eligible individuals
• Payments come in the last week of each month, with most people getting them via direct deposit

Expected OAS Payment Dates for 2025

Month	Payment Date
January	29 January
February	26 February
March	27 March
April	28 April
May	28 May
June	26 June
July	29 July
August	27 August
September	25 September
October	29 October
November	26 November
December	22 December

This schedule is usually the last week of each year,
but may change in special circumstances. This schedule is usually the same in the last week of each year, but may change in special circumstances.

Who is eligible to receive OAS at the increased rate?

• Age: 65 years or older (10% higher for those 75+)
• Citizenship: Canadian citizen or permanent resident
• Residence: Lived in Canada for at least 10 years after turning 18

Income limits:

• 65-74 years: Net income less than $148,541 per year
• 75+ years: Net income less than $154,196 per year
• (Payments may be claw-backed or taxed if income is higher than this)

OAS vs CPP – what’s the difference?

• OAS (Old Age Security): It is residency-based, i.e. not job or payroll dependent. Just have lived in Canada for decades.
• CPP (Canada Pension Plan): This depends on your job, salary and deductions.

Most seniors receive money from both plans, but your job-based income does not directly affect OAS.

How do you benefit from OAS payments?

• Increased monthly income: Better protection for medical, rent, grocery, etc.
• Fights inflation: Amount increases every 3 months based on CPI
• Government trust: OAS amount never decreases, it only increases or remains stable
• Automatic process: Payment automatically increases if eligible

Can you get additional support like GIS or Allowance?

Yes, if you are a Low Income Senior with OAS, you may also be eligible for plans like Guaranteed Income Supplement (GIS), Allowance, or Allowance for the Survivor. These plans provide additional support based on income, age and marital status.

Important points

• Keep any bank or Service Canada account details up to date—to ensure payments are received on time.
• Don’t wait months to hear about OAS accounts, income or any disruptions; contact Service Canada immediately.
• Direct deposit is the fastest and most secure payment method.
• Login to your My Service Canada Account (MSCA) to view all the latest information and status.

Conclusion

This Government of Canada initiative promotes the financial security and dignity of seniors, making their lives a little more comfortable and carefree. Regular and increasing OAS payments help seniors cope with rising inflation and health costs. Therefore, it is important to keep your documents and contact information up to date so that you can take full advantage of this government assistance.

FAQs