The GST/HST Credit is one of the most important quarterly payments for low- and modest-income Canadians.
Paid out by the Canada Revenue Agency (CRA), this tax-free benefit helps offset the Goods and Services Tax (GST) or Harmonized Sales Tax (HST) that individuals and families pay throughout the year.
In October 2025, eligible Canadians will receive the fourth payment for the benefit year that started in July 2025.
This article explains the exact payment date, who qualifies, how much you could get, and what steps you can take to ensure you receive your payment on time.
What Is the GST/HST Credit?
The GST/HST Credit is a non-taxable payment that helps individuals and families reduce the impact of sales taxes on everyday purchases. It is paid quarterly and calculated automatically when you file your income tax return. You do not need to apply separately—if you’re eligible, you’ll get it automatically.
October 2025 Payment Date
The CRA issues GST/HST Credit payments four times a year:
- January 3, 2025
- April 4, 2025
- July 4, 2025
- October 3, 2025
This means the October payment will arrive on Friday, October 3, 2025. If you’re set up for direct deposit, the funds should appear in your bank account that day. If you receive payment by cheque, it may take a few extra days to arrive.
Who Qualifies for the October 2025 Payment?
To receive the GST/HST Credit in October 2025, you must meet the following conditions:
- Be a resident of Canada for tax purposes at the start of the payment month.
- Be at least 19 years old; or if under 19, you must:
- Have (or had) a spouse or common-law partner, or
- Be a parent and live (or lived) with your child.
- Have filed your 2024 income tax return, even if you earned no income.
- Meet the income threshold for your household size.
How Much You’ll Get in October 2025
The amount you receive depends on your net family income, marital status, and the number of children under 19 in your household. For the July 2025 to June 2026 benefit year, the maximum annual amounts are:
- Single individual: $533
- Married or common-law couple: $698
- Each child under 19: $184
Since the benefit is paid quarterly, here’s an approximate breakdown:
| Household Type | Annual Maximum | Approx. Quarterly Payment |
|---|---|---|
| Single individual | $533 | $133 |
| Married/common-law couple | $698 | $174 |
| Each eligible child under 19 | $184 | $46 |
Lump Sum Rule
If your calculated quarterly payment is less than $50, the CRA will combine it into a single lump sum and pay it in July rather than quarterly.
What Affects Your Payment Amount?
Your October 2025 payment could change if:
- Your income was reassessed.
- Your marital status changed (marriage, divorce, separation).
- You had a child or a child turned 19.
- You moved in or out of Canada.
The CRA uses the most recent tax return and updated household information to determine your eligibility and payment amount.
Why the October 2025 Payment Is Important
The October payment is the final instalment in the benefit year that began in July 2025. It’s based entirely on the 2024 tax return, so if you didn’t file your return, you won’t get paid.
It also comes just before the winter season, when many households face higher expenses for heating and essentials.
How to Make Sure You Get Paid
- File your taxes on time every year, even if you have no income.
- Sign up for direct deposit to get your payment faster.
- Keep your personal details updated with the CRA, especially marital status, address, and number of children.
- Use the CRA’s benefits calculator to estimate your payments.
Example Payment Scenarios
Example 1: Single with No Children
- Net income: $25,000
- Annual credit: $533
- Quarterly payment: About $133
- October payment: $133
Example 2: Couple with Two Children
- Net family income: $40,000
- Annual credit: $698 + ($184 × 2 children) = $1,066
- Quarterly payment: About $267
- October payment: $267
Example 3: Single Parent with One Child
- Net income: $30,000
- Annual credit: $533 + $184 = $717
- Quarterly payment: About $179
- October payment: $179
Quick Summary
| Detail | October 2025 GST/HST Credit |
|---|---|
| Payment Date | Friday, October 3, 2025 |
| Frequency | Quarterly |
| Eligibility | Canadian resident, 19+ or parent/spouse, filed 2024 tax return |
| Annual Max (Single) | $533 |
| Annual Max (Couple) | $698 |
| Per Child | $184 |
| Approx. Quarterly Max | $133 (single), $174 (couple), $46 (per child) |
The CRA GST/HST Credit payment for October 2025 is scheduled for Friday, October 3, 2025.
It’s the last payment of the benefit year that started in July and is based on your 2024 tax return.
The credit provides up to $533 annually for singles, $698 for couples, and $184 per child, paid in four quarterly instalments.
To ensure you receive your payment:
- File your taxes on time.
- Keep your details updated with the CRA.
- Sign up for direct deposit.
This payment can provide valuable financial relief ahead of the winter months, so it’s essential to stay informed and proactive.
FAQs
Do I need to apply for the GST/HST Credit?
No. If you file your income tax return and meet the eligibility requirements, the CRA will automatically determine your entitlement.
What happens if my income changes during the year?
Your payment may be adjusted if your income changes significantly, especially after a reassessment or if your family situation changes.
Can I receive the GST/HST Credit if I owe taxes?
Yes. The GST/HST Credit is a benefit payment and is not automatically applied to tax debts unless specified for certain government debts.