In 2025, thousands of Canadians received an unexpected $680 deposit from the Canada Revenue Agency (CRA)—a welcome financial boost during a time of rising costs.
Though many assumed it was a bonus or one-time relief, this payment is actually part of the GST/HST credit, a long-running program designed to help Canadians handle the cost of goods and services.
This guide explains everything you need to know about the 2025 $680 CRA payment, including eligibility, how it’s calculated, and when to expect it.
What Is the CRA $680 Payment?
The GST/HST credit is a tax-free quarterly benefit provided by the Canadian government to low and middle-income individuals and families. It helps offset the cost of federal goods and services taxes paid throughout the year.
There is no need to apply separately—if you file your taxes and meet the criteria, you may automatically qualify for the credit.
Who Qualifies for the $680 Payment?
To receive the full $680 payment in 2025, certain income and eligibility conditions must be met.
1. Income Thresholds
Eligibility and payment amounts are based on your 2023 income and family situation for the benefit year running from July 2024 to June 2025.
| Household Type | Maximum Annual Credit |
|---|---|
| Single Individual | $519 |
| Married/Common-Law | $680 |
| Each Child Under 19 | +$179 per child |
Payments begin to reduce as income rises. For example, single individuals with income over $49,000 may not qualify. Family phase-outs depend on combined income and number of children.
2. Age and Residency
- You must be 19 or older, or
- Have a spouse/common-law partner or be a parent living with your child
- Be a resident of Canada for tax purposes
3. Tax Filing Required
Even if you earned no income, filing your 2023 tax return is essential. The CRA uses it to calculate your entitlement. Without it, you will not be assessed or paid.
2025 CRA Payment Schedule
The GST/HST credit is typically paid quarterly, although lump sums are issued for those with smaller amounts.
CRA 2025 Payment Dates
| Month | Payment Date |
|---|---|
| January | January 3 |
| June | June 4 |
| July | July 4 |
| October | October 3 |
Payments are made via direct deposit or cheque. Direct deposit ensures faster, safer delivery. Update your information through the CRA My Account portal.
How to Make Sure You Get It
There is no separate application for the GST/HST credit. Follow these steps:
Step 1: File Your 2023 Taxes
Your 2023 income determines payments for July 2024 to June 2025—even if you made $0.
Step 2: Update the CRA
Notify them of changes in:
- Marital status
- Number of dependents
- Address or banking information
Step 3: Use CRA My Account
With a CRA account, you can:
- Check payment dates
- View past and current credits
- Update personal information
Real-Life Example
Samantha and John, a couple in Ontario with one child, filed their 2023 return with a household income of $32,000.
| Component | Amount |
|---|---|
| Couple Credit | $680 |
| Child Credit | $179 |
| Total | $859 |
They now receive $214.75 every quarter, helping them cover food, utilities, and school costs.
Why the $680 Feels Like a Surprise
Many Canadians reported not knowing where the $680 came from. Common reasons include:
- Late tax filings, triggering backdated payments
- Changes in family income or marital status
- Turning 19, becoming eligible for the first time
- Canada Revenue Agency reassessments, issuing retroactive amounts
Always check your Canada Revenue Agency My Account or bank deposits for full breakdowns.
Tips to Maximize Your CRA Payments
- Set up direct deposit for faster access
- Check your Canada Revenue Agency account regularly for updates
- Budget your quarterly payment for essentials
- Combine with other credits like the Canada Child Benefit or Climate Action Incentive
This benefit is not just for families—students, seniors, and low-income individuals may also qualify.
The $680 Canada Revenue Agency payment in 2025 is part of Canada’s GST/HST credit, offering vital relief to households managing inflation.
By filing taxes and keeping your details current, you ensure you receive what you’re entitled to. It’s reliable, automatic support—not a bonus, but a benefit you’ve earned.
FAQs
Who qualifies for the $680 CRA payment in 2025?
Married or common-law couples with modest incomes and children may receive up to $680 or more through the GST/HST credit.
Do I need to apply for this benefit?
No. If you file your taxes and meet the criteria, the Canada Revenue Agency will assess and send your payment automatically.
When are the 2025 CRA payments scheduled?
The Canada Revenue Agency will issue payments on January 3, June 4, July 4, and October 3, 2025.