Karen Minn
The Advanced Canada Workers Benefit (ACWB) is back with its next quarterly payment set for 11 July 2025, providing a crucial financial boost for low-income working Canadians.
Administered by the Canada Revenue Agency (CRA), the ACWB helps eligible individuals and families offset the rising cost of living by offering advance quarterly payments—instead of waiting until tax season.
If you qualify, there’s no need to apply separately—your payment will be sent automatically. Here’s a complete guide on who’s eligible, how much you can expect, and how to make sure you don’t miss out.
What Is the Advanced Canada Workers Benefit (ACWB)?
The Advanced Canada Workers Benefit is a refundable tax credit available to low-income workers. It is part of the broader Canada Workers Benefit (CWB) program, designed to encourage employment while providing meaningful financial support.
Unlike the annual CWB claim processed through tax returns, the ACWB is paid in advance, allowing recipients to access funds throughout the year.
The July 11, 2025 payment is one of the scheduled advance payments for 2025, helping eligible Canadians manage expenses mid-year.
ACWB July 2025 Payment Schedule
| Payment Details | Dates / Notes |
|---|---|
| Payment Date | Friday, July 11, 2025 |
| Processing Window | July 11 – July 25, 2025 |
| CRA Contact Window for Inquiries | After July 25, 2025 only |
| Payment Method | Direct deposit or mailed cheque |
| Application Required | No – Auto-issued if eligible |
If you haven’t received your payment by July 25, check your CRA My Account to confirm your status before contacting CRA directly.
Who Qualifies for the ACWB?
Eligibility is based on your 2024 income tax return, marital status, and work income. Here’s a breakdown of individual and family requirements:
Individual Eligibility
- Must be a resident of Canada for the entire year
- Must be 19 years or older by December 31, 2024 (or living with a spouse/partner or child)
- Must have employment or self-employment income
- Income must fall below the CRA’s low-income threshold
Family Eligibility
- You and your spouse/common-law partner must both file 2024 tax returns
- Family net income must be under the designated threshold
- Must not be receiving disqualifying income or ineligible for other reasons
Eligibility is automatically determined when you file your tax return. If you qualify, you do not need to apply separately.
What If Your Marital Status Has Changed?
Changes in marital status can affect your benefit eligibility or payment amount. If your situation changes, update your CRA profile immediately using:
- CRA My Account
- CRA’s automated phone service
- Mail or in-person CRA office visits
Accurate marital information helps avoid underpayments or overpayments.
Set Up Direct Deposit to Avoid Delays
Direct deposit is the fastest and most secure way to receive your ACWB payment. You can register via:
- CRA My Account
- Online through most major Canadian financial institutions
- CRA’s automated phone line
With direct deposit, funds are usually available on the exact issue date, reducing the risk of mail delays or lost cheques.
Didn’t Receive Your Payment?
If you don’t receive your ACWB by July 25, 2025, take the following steps:
- Check CRA My Account: Review payment status and direct deposit setup
- Verify Mailing Address or Bank Info: Ensure your details are correct
- Contact CRA (after July 25): Use CRA’s contact channels to report the issue
Note: CRA will not provide updates about missing payments before July 25.
Your Privacy & Security
CRA protects all communications under strict privacy laws. Your personal and financial information is kept confidential. Remember:
- CRA will never contact you by text or email asking for personal details
- Only access your benefit details through official CRA channels
Stay vigilant to avoid scams or fraud related to tax and benefit services.
Quick Reference – ACWB July 2025
| Category | Details |
|---|---|
| Payment Date | July 11, 2025 |
| Payment Range | Based on income and family status |
| Application Needed | No |
| CRA Contact Date | After July 25, 2025 |
| Direct Deposit Option | Strongly recommended |
| Eligibility Basis | 2024 tax return and income level |
The Advanced Canada Workers Benefit is a vital support for low-income working Canadians, and the upcoming July 11, 2025 payment ensures recipients receive timely aid without waiting for tax season. By:
- Filing your tax return on time
- Keeping your CRA account up-to-date
- Enrolling in direct deposit
—you can make sure your ACWB payment is processed smoothly and without delay. With the next round of payments just around the corner, now is the time to prepare and ensure you’re ready to receive what you’re entitled to.
FAQs
Do I need to apply for the ACWB payment?
No. If you filed your 2024 tax return and meet the eligibility criteria, you’ll receive the payment automatically.
When should I contact CRA if I don’t receive my payment?
You should wait until after July 25, 2025 before contacting CRA regarding missing payments.
How can I ensure faster delivery of my payment?
Set up or update your direct deposit through CRA My Account or your bank for the fastest delivery.