The Canada Revenue Agency (CRA) has officially announced that eligible Canadians will receive a $179 tax-free quarterly GST/HST Credit on November 20, 2025 through direct deposit.
This financial support aims to help low- and modest-income families manage increasing expenses as the year-end and holiday season approach.
Understanding The GST/HST Credit
The GST/HST Credit is a tax-free payment offered by the federal government to reduce the impact of sales tax on people with lower or moderate incomes.
You may qualify based on:
- Your family net income
- Your marital or relationship status
- The number of children or dependents you support
- Whether you also receive benefits like the Canada Child Benefit (CCB)
Importantly, eligibility is not tied to whether you are employed. Seniors, unemployed individuals, students, and low-income households may still qualify if they meet the CRA’s criteria.
How Much Will Eligible Canadians Receive?
For the 2025–2026 benefit year, the base quarterly amount is $179 per eligible adult.
However, this amount can increase depending on your household situation:
- Single adults: Up to $179
- Couples (married or common-law): May receive more based on joint income
- Families with children under 19: Extra supplements are added for each eligible child
While $179 is the standard figure, families—especially those with dependents—often receive higher credit amounts once supplements are included.
Official Payment Date: November 20, 2025
The CRA has confirmed that the GST/HST Credit will be issued on November 20, 2025.
Payments will be delivered as:
- Direct deposit — the fastest and most secure method, ensuring funds appear on the exact payment date
- Paper cheque — may take a few extra business days to arrive
No re-application is required. As long as your tax return and account details are updated, the payment will be sent automatically.
Who Qualifies For The November 2025 GST/HST Credit?
You may be eligible if:
- You are a Canadian resident for tax purposes
- You are 19 years or older, or you qualify as a parent or spouse
- You filed your 2024 tax return, as CRA uses prior-year income for the calculation
- Your household fits within the low- to modest-income range
The payment gradually reduces as income increases, but many middle-income households still qualify for partial credits.
How To Make Sure Your Payment Arrives On Time
To avoid delays, ensure these steps are completed:
1. File Your 2024 Tax Return
Your eligibility depends entirely on your tax filing. Missing your return may make you ineligible.
2. Update Your Banking Details
Confirm that your direct deposit information with CRA is correct to ensure smooth payment delivery.
3. Report Any Personal Changes
Update the CRA if your:
- Marital status
- Number of children
- Address
- Eligibility for other benefits
has changed. These factors influence your credit amount.
Why This Credit Is Important for Canadians
As everyday costs continue to rise—including food, utilities, transport, and winter essentials—many households feel financial pressure.
The $179 GST/HST Credit provides timely support for:
- Weekly grocery expenses
- Rent or utility bills
- Winter clothing or seasonal needs
- Holiday-related costs
- Transportation and year-end expenses
Arriving right before the holidays, this payment offers meaningful assistance at a time when extra funds can make a big difference.
What to Do If Your Payment Is Missing
If your credit does not appear on or shortly after November 20:
- Wait up to five business days, as minor delays can occur
- Check your bank details and direct deposit setup
- Confirm your 2024 tax return was filed properly
- Contact the CRA for investigation if the payment is still missing
Most delays are linked to outdated personal information or unfiled returns.
The $179 GST/HST Credit scheduled for November 20, 2025 is an important source of financial relief for Canadians dealing with rising living costs.
By ensuring your tax filings, banking information, and personal details are accurate, you can receive your payment smoothly and on time.
For many families, this credit supports essential needs and helps stabilize budgets during the demanding year-end period.
FAQs
1. Do I need to apply for the November 2025 GST/HST Credit?
No. The credit is automatically issued if your 2024 tax return is filed and your details with CRA are up to date.
2. Will families receive more than $179?
Yes. Families with children under 19 qualify for additional supplements, which increase the total payment.
3. Can I still receive the GST/HST Credit if I didn’t work in 2024?
Yes. Your employment status doesn’t affect eligibility. The CRA bases your credit on income, dependents, and residency.