As inflation continues to affect Canadian households in 2025, the federal government has confirmed the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) July 2025 payment date and adjustments.
These vital monthly supports help millions of Canadian seniors cover everyday living expenses, including food, housing, and healthcare.
For July, payments will be issued on July 29, 2025, via direct deposit and mailed cheques for those not enrolled in electronic delivery.
Payment Breakdown: July 2025 OAS and GIS Rates
The OAS and GIS benefits are reviewed every quarter to align with the Consumer Price Index (CPI), ensuring payments reflect the real cost of living. The July 2025 amounts reflect the latest CPI adjustment.
Here’s a detailed table of the current maximum monthly benefits:
| Age Group | Maximum OAS (Monthly) | Maximum GIS (Single) | Maximum GIS (Spouse Receiving OAS) |
|---|---|---|---|
| 65 to 74 | $713.34 | $1,065.47 | $641.23 |
| 75+ | $784.67 | $1,065.47 | $641.23 |
These values represent a modest increase compared to earlier in the year and ensure seniors can continue to manage rising living expenses.
Who Is Eligible for OAS and GIS in July 2025?
To receive the OAS and GIS July 2025 payments, seniors must meet the following eligibility criteria:
OAS Eligibility
- Must be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18
GIS Eligibility
- Must be receiving OAS
- Have a low income (based on 2024 income)
- Income threshold for full GIS (single): Below $21,168/year
Note: Seniors who haven’t filed their 2024 tax return may experience delays in GIS payments, as the CRA uses tax data to determine eligibility.
July 2025 OAS and GIS Payment Date
| Benefit | Payment Date | Delivery Method |
|---|---|---|
| OAS & GIS | July 29, 2025 | Direct deposit or mailed cheque |
- Direct deposits are expected to arrive on July 29
- Mailed cheques may take up to 5–7 business days
What’s New in 2025?
The Government of Canada has made several administrative improvements to streamline services:
Key Updates:
- My Service Canada Account (MSCA) now offers real-time updates
- Digital notifications alert seniors to changes, delays, or income updates
- Easier access to benefit history and personal information updates
This digital transformation improves access and ensures faster service, especially for rural or isolated seniors who may have had trouble accessing in-person services.
Why OAS and GIS Are More Important Than Ever
With rent, groceries, and transportation costs rising in 2025, many seniors are relying more on public income supports. For those without substantial pensions or savings, OAS and GIS offer financial stability, helping them maintain independence and dignity.
Provincial supplements like Ontario’s GAINS or Alberta Seniors Benefit can further boost incomes when combined with federal OAS and GIS payments.
The OAS and GIS July 2025 payments are more than just dates and numbers—they’re a lifeline for millions of Canadian seniors.
With the payment date set for July 29, 2025, and quarterly CPI increases applied, recipients can expect timely and slightly increased benefits.
To avoid delays, ensure your tax return is filed and your banking information is current. Use your My Service Canada Account to stay informed, and take advantage of both federal and provincial programs designed to support your retirement.
FAQs
When will the July 2025 OAS and GIS payments be made?
Payments will be issued on July 29, 2025. Direct deposits arrive the same day; cheques may take up to a week.
Have the OAS and GIS amounts increased for July 2025?
Yes, benefits were adjusted based on the Consumer Price Index (CPI). Increases are applied quarterly to reflect inflation.
How can I check my OAS or GIS payment status?
Log into your My Service Canada Account (MSCA) to view payment history, confirm dates, and update your personal information.