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Official CPP and OAS payment schedule
CPP and OAS payment schedule — annual dates
Служба Канады 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 Канадский пенсионный план (CPP) и Пенсия по старости (OAS) and are deposited directly into your банковский счет с помощью прямой 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 прямой 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 Мой счет portal.
🏦 How are CPP and OAS payments delivered?
The vast majority of Canadian pensioners receive their пенсионное пособие с помощью прямой депозит into a personal расчетный счет или сберегательный счет. This is the fastest, safest and most reliable method — funds are available in your банковский счет 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 прямой депозит to avoid postal delays. You can update your банковская информация at any time through your Мой счет on Canada.ca or by calling 1-800-277-9914.
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Financial planning tip: with your дата платежа confirmed, schedule your monthly expenses — rent, utilities, groceries, insurance and any automatic банковские переводы — in advance. This helps you manage your monthly budget effectively and avoid unnecessary late payment fees or interest charges.
Your доступный баланс остается в вашем банковский счет indefinitely after the прямой 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.