For millions of Canadians, knowing exactly when federal government payments like the Canada Pension Plan (CPP), Old Age Security (OAS), GST/HST credits, and other benefits will be deposited can make all the difference in budgeting from month to month. While the payments are predictable, the exact schedule changes slightly each year due to weekends and holidays. If you’re planning ahead for 2026, being aware of the exact **federal deposit dates** helps you align your finances and avoid surprises.
In 2026, the Government of Canada has laid out its plan for benefit payment dates, making it easier than ever for recipients to know when their money will arrive. These dates typically fall toward the end of each month, though some are scheduled earlier, especially if calendar conflicts arise. Whether you receive Employment Insurance payments, the CCB, GST credits, or OAS/CPP pensions, this is your complete guide to the **Canada federal deposit schedule for 2026**.
Overview of Canada’s 2026 Federal Deposit Dates
| Benefit Type | Deposit Frequency | Typical Deposit Day | Next Payment (2026) |
|---|---|---|---|
| Canada Pension Plan (CPP) | Monthly | 3rd last business day each month | Jan 28, 2026 |
| Old Age Security (OAS) | Monthly | Same as CPP | Jan 28, 2026 |
| GST/HST Credit | Quarterly | 5th day of quarter month | Jan 5, 2026 |
| Canada Child Benefit (CCB) | Monthly | 20th of each month (or next business day) | Jan 20, 2026 |
| EI Payments | Bi-weekly | Varies by date of filing | Rolling basis |
What changed this year
One notable aspect of the 2026 deposit calendar is how it aligns with weekends and holidays. Since January 1, Canada’s New Year’s holiday, falls on a Thursday, most federal benefits won’t be impacted at the start of the year. However, certain months involving statutory holidays such as Easter, Canada Day, and Christmas could affect regular scheduling—especially if they occur on a federal deposit date.
To maintain predictability, the government has adjusted some payment days where needed. For example, if the third-last business day of the month falls on a weekend, benefits such as CPP and OAS are typically delivered the **prior Friday**, ensuring no disruptions. The government continues to emphasize electronic direct deposit as the fastest and most reliable method to receive funds.
Full CPP and OAS 2026 payment schedule
Here are the confirmed **monthly payment dates** for CPP and OAS in 2026. These apply for both retirement and disability benefits under the Canada Pension Plan:
- January 28, 2026
- February 25, 2026
- March 27, 2026
- April 28, 2026
- May 27, 2026
- June 26, 2026
- July 29, 2026
- August 27, 2026
- September 25, 2026
- October 28, 2026
- November 26, 2026
- December 23, 2026
It’s important to note that **December’s payment falls earlier** than usual due to holiday closures, so make any year-end planning with this in mind.
Canada Child Benefit (CCB) deposits
The CCB supports parents and guardians raising children under 18. This benefit is paid monthly, usually on the **20th of each month** or the next business day if the 20th falls on a weekend. In 2026, here are the tentative deposit dates:
- January 20, 2026
- February 20, 2026
- March 20, 2026
- April 20, 2026
- May 20, 2026
- June 19, 2026 (due to weekend)
- July 20, 2026
- August 20, 2026
- September 18, 2026
- October 20, 2026
- November 20, 2026
- December 18, 2026
GST/HST credit dates for 2026
The Goods and Services Tax/Harmonized Sales Tax credit is issued quarterly to eligible Canadians. Payments are typically sent on the **5th of January, April, July, and October.** The confirmed 2026 dates are:
- January 5, 2026
- April 6, 2026 (adjusted for Sunday)
- July 6, 2026
- October 5, 2026
This benefit allows low to moderate-income families to offset the taxes they pay throughout the year. It’s also an automatic benefit if you file your taxes on time and qualify under the income thresholds.
Regular Employment Insurance (EI) deposits
For those receiving EI due to job loss, sickness, maternity, or caregiving, **payments are typically processed bi-weekly**. Your exact deposit schedule will depend on the date your claim is filed and whether all reporting requirements are met.
Once approved, your benefit arrives two business days after your report is submitted via My Service Canada Account. Weekends or holidays may cause slight delays, but direct deposits ensure timely arrival in most cases.
Receiving my CPP payments on the scheduled date every month has helped me set my budget with certainty. The predictability is key.
— Stephen B., Retiree in Ontario
Winners and losers in the 2026 schedule
| Winners | Why |
|---|---|
| Retirees on OAS/CPP | Payments remain consistent and early for December |
| Families receiving CCB | Schedule avoids several holiday conflicts |
| GST/HST credit recipients | Quarterly checks are unaffected by major holidays |
Who qualifies and why it matters
Eligibility for each federal payment depends on your **income level**, **family status**, and **citizenship or residency status**. For instance, OAS requires Canadian residency; CPP relies on your contribution history; GST/HST and CCB depend on net annual income and the presence of dependents. Keeping your personal data with the CRA up to date is essential for uninterrupted benefits.
Setting up direct deposit for faster access
If you haven’t already set up **direct deposit**, 2026 is a great time to do so. Registering through the CRA or Service Canada ensures your payments land in your bank account swiftly—and reduces reliance on mail delivery delays. Most Canadians now receive benefits electronically, enhancing reliability.
Setting up direct deposit took just a few minutes and I’ve never missed a payment day since. It’s a small step that gives great peace of mind.
— Natalie T., Mother of two in British Columbia
How to check your payment schedule
To stay informed, regularly check your **My Account portal**—or simply refer to this published schedule. These dates rarely change mid-year, but in case of emergencies (like natural disasters), the government may issue updated guidance. Ensure your address and banking information are current to avoid interruptions.
FAQs about Canada’s Federal Payments in 2026
What happens if my payment date falls on a weekend or holiday?
In most cases, the government issues the payment on the previous business day. For example, a Saturday deposit becomes a Friday deposit.
Can I receive CPP and OAS on the same day?
Yes, if eligible for both, they are combined into a single deposit on the same scheduled date each month.
How do I know if I’m eligible for the GST credit?
If you filed your tax return and meet income eligibility criteria, CRA will automatically assess your eligibility and notify you.
How can I change my banking information for direct deposit?
Use your CRA or Service Canada online account to update banking details. Always ensure it’s done before the next payment cycle closes.
Are federal deposits taxable income?
Most benefits, including CPP and OAS, are taxable. CRA issues tax slips annually that you must include when filing your return.
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