Good news for seniors in Canada! Starting from June 29, 2025, the Canadian government has increased Old Age Security (OAS) payments by 1.0%. This change helps older adults keep up with the rising cost of living. If you are 65 or older, you may have already seen this higher payment in your bank account. Let’s go over who qualifies, how much the new payment is, and when you’ll get it.
What Is the OAS Increase in July 2025?
The Old Age Security (OAS) payment increases every three months based on the Consumer Price Index (CPI), which measures how much prices go up for things like food, housing, and gas. This system helps ensure that seniors don’t lose buying power when the cost of living rises.
From July to September 2025, the OAS payment has increased by 1.0% to help seniors handle inflation.
New OAS Monthly Payment Rates (July 2025)
Here’s how much you can get now, depending on your age:
| Age Group | Old Payment | New Payment (July 2025) |
|---|---|---|
| 65 to 74 years | $720.47 | $727.67 |
| 75 years and above | $792.78 | $800.44 |
These are the maximum monthly amounts. You might get a different amount based on your income, taxes, or how long you’ve lived in Canada.
Who Is Eligible for OAS in 2025?
To get Old Age Security in Canada, you must:
- Be 65 years old or more
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after the age of 18
Living Abroad?
You may still qualify if:
- You lived in Canada for 20+ years after turning 18, or
- Your current country has a social security agreement with Canada
OAS Payment Dates for the Rest of 2025
OAS payments are made on the third-last business day of every month. These are the upcoming payment dates:
| Month | Payment Date |
|---|---|
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
📌 Tip: Update your bank account details with Service Canada to avoid any delays.
How to Check If You Received the Increase
Not sure if you got the higher OAS amount? Here’s how to check:
1. Check Your Bank Account
Look for a deposit labeled “Canada Old Age Security” around the payment date.
2. Log Into Your My Service Canada Account (MSCA)
Here, you can view your current payment, past deposits, and next payment date.
3. Contact Service Canada
If you don’t see the payment within a few days after the due date, call or visit Service Canada for help.
Extra Benefits Alongside OAS
Besides the OAS pension, some seniors can also get extra monthly support depending on their income:
✔ Guaranteed Income Supplement (GIS)
For low-income seniors who already receive OAS.
✔ Allowance
For spouses or common-law partners of OAS recipients, aged 60 to 64.
✔ Allowance for the Survivor
Helps widowed individuals aged 60 to 64 with low income.
These benefits can increase your monthly income, so check if you qualify through your My Service Canada Account.
Conclusion
The July 2025 increase in Old Age Security payments is a helpful step for seniors trying to manage their daily expenses in today’s high-cost world. With the 1.0% raise already added to your account, it’s important to stay updated by checking your eligibility, confirming payment through MSCA, and keeping your personal info current with Service Canada. These payments may seem small, but every dollar helps in retirement. If you’re eligible for extra benefits like GIS or the Allowance, apply as soon as possible to boost your income even more.
Frequently Asked Questions (FAQs)
Q1: How much did OAS increase in July 2025?
A: The OAS payment increased by 1.0%. People aged 65–74 now get $727.67, and those aged 75+ get $800.44 monthly.
Q2: When will I get my next OAS payment?
A: The next payment is on July 29, 2025. Make sure your banking info is up to date with Service Canada.
Q3: Can I get OAS while living outside Canada?
A: Yes, if you’ve lived in Canada for 20 years after turning 18 or if your country has an agreement with Canada.
Q4: What is GIS and who qualifies for it?
A: The Guaranteed Income Supplement (GIS) gives extra money to low-income seniors who receive OAS.
Q5: How do I check my payment history?
A: Log in to your My Service Canada Account (MSCA) to see your full payment history and next deposit date.
