$660–$1,097 GIS Direct Deposits — CRA Confirms 16 Nov 2025 Payment Schedule

$660–$1,097 GIS Direct Deposits — CRA Confirms 16 Nov 2025 Payment Schedule, for many seniors in Canada living on limited income, the monthly benefit payments from the Canada Revenue Agency (CRA) can mean the difference between financial stability and real hardship. Among those supports is the Guaranteed Income Supplement (GIS), a benefit designed to help low-income pensioners who receive the Old Age Security (OAS) pension. In November 2025, the CRA officially confirmed that GIS payments, ranging from $660 to $1,097, will be deposited directly into eligible beneficiaries’ accounts on 16 November 2025.

$660–$1,097 GIS Direct Deposits-Overview 

Detail	$660–$1,097 GIS Direct Deposits — CRA Confirms 16 Nov 2025 Payment Schedule
Payment Date	16 November 2025
Payment Range	$660 – $1,097
Eligible Recipients	Low-income seniors receiving OAS
Payment Method	Direct deposit (or mailed cheque)
Administered By	Canada Revenue Agency (CRA)

What is the Guaranteed Income Supplement (GIS)?

The GIS is a monthly benefit for Canadians aged 65 and older who receive the OAS pension and have low incomes. Its purpose is to ensure that seniors who do not have substantial savings or pension incomes still receive enough support to help meet basic needs. Because the GIS is income-tested, the amount each person receives depends on their income, marital status (single, married/common-law, spouse or partner also receiving OAS or not), and whether they have other sources of retirement income.

November 2025 Payment Schedule: What’s New

For the upcoming cycle, the CRA has confirmed the following key information:

• The GIS payment for November 2025 will be deposited on 16 November 2025 into the bank accounts of eligible seniors.
• The range of payment amounts is between $660 and $1,097, depending on each individual’s or couple’s income level and marital status.
• The deposit is automatic for those who receive OAS and qualify for GIS no new application is required.
• Seniors who prefer or receive mailed cheques instead of direct deposit should keep in mind that postal delivery may result in a slight delay compared to direct deposit recipients.

Understanding the Payment Range: $660 to $1,097

Why this range of payment amounts? Here are the main variables:

• Income level: The lower your other income (for example, pensions, investment income, employment income) the higher your GIS payment will be because GIS is designed to top up low incomes.
• Marital / common-law status: If you have a spouse/partner and they are not receiving OAS, or they are receiving OAS but your combined income is higher, your GIS payment may be lower than if you were single with no partner income.
• Annual tax filing: The CRA uses your previous year’s tax return to determine income thresholds and eligibility. Failing to file could result in delayed or reduced payments.

How to Check Your GIS Status

If you are receiving OAS and believe you qualify for GIS, or already receive it and want to check your status, here is how:

• Log in to your My Service Canada Account (MSCA) on the Service Canada website. From there you can view your benefit and payment details, including deposit dates and amounts.
• If you prefer telephone assistance or cannot access MSCA online, you can contact the CRA or Service Canada by phone (the OAS/GIS helpline) to confirm your payment schedule and status.
• Ensure your banking information is up to date: direct deposit payments rely on correct account information being on file. If your bank account has changed, report it promptly to avoid delays.
• Make sure you filed your tax return for the previous year on time. Because the CRA determines GIS eligibility based on your 2024 tax return for the November 2025 payment cycle, any delays or omissions could affect your benefit.

Eligibility Criteria

To qualify for GIS, you must meet several conditions:

• You are aged 65 or older and receive the OAS pension.
• You are a Canadian resident for legal purposes (in Canada) when applying and for the benefit period.
• Your income is below the threshold set by the CRA for GIS eligibility. This threshold varies depending on marital status, partner’s OAS status, and your combined income.
• You file your annual income tax return — because the CRA uses your income information from the tax return to calculate your GIS entitlement.
• If you have a spouse or common-law partner, you must provide their income information as well.

Frequently Asked Questions