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Official CPP and OAS payment schedule
CPP and OAS payment schedule — annual dates
Служба Канада 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 Канадски пенсионен план (CPP) и Осигуряване за стари хора (OAS) and are deposited directly into your банкова сметка чрез директен депозит 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 директен депозит 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 Моят акаунт portal.
🏦 How are CPP and OAS payments delivered?
The vast majority of Canadian pensioners receive their пенсионно обезщетение чрез директен депозит into a personal разплащателна сметка или спестовна сметка. This is the fastest, safest and most reliable method — funds are available in your банкова сметка 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 директен депозит to avoid postal delays. You can update your банкова информация at any time through your Моят акаунт on Canada.ca or by calling 1-800-277-9914.
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Financial planning tip: with your дата на плащане confirmed, schedule your monthly expenses — rent, utilities, groceries, insurance and any automatic банкови преводи — in advance. This helps you manage your monthly budget effectively and avoid unnecessary late payment fees or interest charges.
Your наличен баланс остава във вашия банкова сметка indefinitely after the директен депозит 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.