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Official CPP and OAS payment schedule
CPP and OAS payment schedule — annual dates
Service Canada publishes the full annual CPP and OAS payment schedule at the start of each year. Payments are issued on the same fixed dates for both Canada Pension Plan (CPP) and Old Age Security (OAS) and are deposited directly into your bank account via direct deposit on each scheduled date.
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🗓️ Annual CPP and OAS Payment Dates
| Month | Payment Date |
|---|---|
| January | 29 January |
| February | 26 February |
| March | 27 March |
| April | 28 April |
| May | 27 May |
| June | 26 June |
| July | 29 July |
| August | 27 August |
| September | 25 September |
| October | 29 October |
| November | 26 November |
| December | 22 December |
Important: if the scheduled date falls on a weekend or public holiday, your direct deposit will be processed on the last business day before that date. Always verify the exact date for each month on the official Service Canada website or through your My Account portal.
🏦 How are CPP and OAS payments delivered?
The vast majority of Canadian pensioners receive their pension benefit via direct deposit into a personal chequing account or savings account. This is the fastest, safest and most reliable method — funds are available in your bank account by the morning of the payment date with no need to visit a branch.
If you still receive your payment by cheque, Service Canada strongly recommends switching to direct deposit to avoid postal delays. You can update your banking information at any time through your My Account on Canada.ca or by calling 1-800-277-9914.
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Financial planning tip: with your payment date confirmed, schedule your monthly expenses — rent, utilities, groceries, insurance and any automatic bank transfers — in advance. This helps you manage your monthly budget effectively and avoid unnecessary late payment fees or interest charges.
Your available balance remains in your bank account indefinitely after the direct deposit is processed. There is no requirement to withdraw the full amount on the payment date — choose a time that is convenient for you to avoid queues at ATMs and bank branches.