CRA Payment Dates July 2026: Every Deposit Date for CCB, OAS, GST Credit & More

Every CRA and Service Canada Payment Date in July 2026

Seven federal and Ontario benefit programs issue a payment in July 2026, and no two of them share the same day. Some of that is coincidence — OAS and CPP have always shared a calendar, while CCB and the GST credit run on their own schedules — but the bunching in early-to-mid July also reflects that this is the annual reset month for the three biggest income-tested benefits (CCB, the GST credit, and OTB). Here is every date, in order:

Not on the July calendar: the Alberta Child and Family Benefit, which pays quarterly on the Aug/Nov/Feb/May cycle — its next deposit is August 27, 2026, not July. If you live outside Ontario or Alberta, provincial child benefits bundled into your CCB deposit (Newfoundland and Labrador, Nova Scotia, New Brunswick, PEI, Yukon, NWT, Nunavut) still land on the July 20 CCB date. Three provinces sit outside that deposit: Alberta (the separate quarterly ACFB), Quebec (the Family Allowance, paid by Retraite Québec rather than CRA), and Manitoba (a small provincially run child benefit with its own application). Saskatchewan has no provincial child benefit at all.

Why July Is Different: The Annual Benefit-Year Reset

Most people assume a benefit's monthly amount only moves when the government announces an increase. For three of the seven July payments, that's not quite right. The Canada Child Benefit, the GST credit (now CGEB), and the Ontario Trillium Benefit all run on a July-to-June benefit year, and each July they recalculate using your previous calendar year's tax return. The July 2026 payment is the first to use your 2025 return, filed by the April 30, 2026 deadline.

That means two households with identical benefit entitlements in June 2026 can see different July 2026 payments purely because their 2025 income moved in different directions. A parent who took unpaid leave in 2025 and saw household income fall will typically see their CCB and CGEB payment rise on July 20 and July 3. A parent who returned to full-time work partway through 2025 may see both drop. This is separate from the indexation increases CRA also applies most Julys — indexation raises the maximum ceiling; the benefit-year reset determines where you land under that ceiling.

CCB: What Changes on the July 20 Payment

The Canada Child Benefit is the single largest deposit most families with kids receive, so its July reset carries the most weight. For the July 2025–June 2026 benefit year (based on 2024 income), the maximum is $7,997/year ($666.41/month) per child under 6 and $6,748/year ($562.33/month) per child aged 6 to 17, with the reduction starting once adjusted family net income (AFNI) passes $37,487.

CRA has announced the July 2026–June 2027 benefit year — the one that starts with the July 20, 2026 payment — raises the maximums to $8,157/year per child under 6 and $6,883/year per child aged 6–17, with the AFNI threshold rising to $38,237. A two-child family (one under 6, one aged 6–17) with AFNI below the new threshold moves from a combined maximum of $14,745/year to $15,040/year — a $295 annual increase split across the 12 monthly deposits starting in July. Families above the threshold see a smaller increase, phased out at the same rates as before. For the full phase-out math by family size, see our Canada Child Benefit payment breakdown.

CGEB (formerly the GST/HST Credit): July 3 Is the First Payment Under the New Name

The GST/HST credit is being renamed the Canada Groceries and Essentials Benefit starting with the July 3, 2026 payment. The mechanics don't change — it's still calculated automatically from your tax return, still quarterly, and still tax-free. What changes is the amount: a permanent 25% increase, locked in for five years (2026 through 2031).

Based on the July 2025–June 2026 maximums of $533 single, $698 couple, and $184 per child under 19, a straight 25% uplift implies roughly $666 single, $873 couple, and $230 per child — CRA will confirm the exact July 2026 figures, calculated on your 2025 AFNI, when the payment issues. Some banks may still show the deposit under the old "GST/HST Credit" label for a transition period even after the rename. For the full income-test breakdown, see our GST/HST credit guide.

OTB and the Canada Workers Benefit Advance: Both Pay July 10

The Ontario Trillium Benefit pays on the 10th of every month in 2026 (moving earlier only when the 10th falls on a weekend or statutory holiday — that happens in January, May, and October, but not July). July 10, 2026 is also the start of the new OTB benefit year, calculated from your 2025 return rather than your 2024 return, so your monthly amount can shift on this date even though the day of the month doesn't change.

The Canada Workers Benefit works differently — it's a refundable credit you claim on your return, not a benefit that resets every July. But CRA automatically advances 50% of your estimated CWB in three instalments across the year, and the first 2026 instalment also lands July 10. A single filer at the 2025 tax-year maximum of $1,633 receives roughly $272 per instalment; a family at the $2,813 maximum receives roughly $468. The remaining instalments follow October 9, 2026 and January 2027.

CDB: The Third-Thursday Rule Puts It on July 16

The Canada Disability Benefit pays on the third Thursday of every month — July 16, 2026. Unlike CCB, CGEB, or OTB, the CDB is not automatic: it requires an approved Disability Tax Credit (Form T2201) and a separate application. The current monthly maximum is $200 for the July 2025–June 2026 benefit year; Service Canada — which administers the CDB, unlike the CRA-run benefits above — has confirmed it rises to $204.20/month for July 2026–June 2027, calculated on your 2025 return. Amounts and thresholds are indexed by regulation and cannot decrease year over year, unlike some other benefits.

OAS and CPP: Both Pay July 29, Neither Resets in July

OAS and CPP share one payment calendar, and July 29, 2026 is their date this month. But neither program works on the July-reset pattern that governs CCB, CGEB, and OTB. OAS is indexed quarterly — January, April, July, and October — to the Consumer Price Index, and the July–September 2026 quarter carries an announced 1.2% increase over the April–June rate. CPP is indexed once a year, every January, so the amount that pays July 29 is the same as every other month in 2026; it won't change again until January 2027. For the current maximum and average CPP amounts, see our CPP payment amounts guide; for OAS, see our OAS payment amounts guide.

If a July Payment Is Late or Missing

For any of the seven July 2026 deposits, the standard guidance from CRA and Service Canada is to wait at least 10 working days from the scheduled payment date before contacting them — direct deposit timing can vary slightly by financial institution, and mailed cheques take longer. After that window, call CRA for CCB, CGEB, OTB, or CWB questions, or Service Canada for the CDB, OAS, and CPP. Before calling, check CRA My Account or My Service Canada Account — both show the exact amount and date of the most recent payment, which resolves most "did I get the right amount" questions without a call.

How This Repeats Every Month Going Forward

The pattern in this calendar holds every month, with the dates shifting slightly around weekends and statutory holidays: CGEB targets the 5th of its quarter months and moves to the preceding business day on weekends and holidays (which is why July 2026 pays Friday the 3rd), OTB and the CWB advance instalments pay on the 10th (or the last business day before it), CDB on the third Thursday, CCB on the 20th (or the last business day before it), and OAS/CPP in the last week of the month. If you're trying to plan cash flow around next month's benefits, the same programs repeat — but the CGEB is quarterly and the CWB advance pays only three times a year, so neither appears on every month's calendar the way CCB, OAS, CPP, OTB, and CDB do.