The Old Age Security (OAS) program provides monthly payments to Canadian seniors aged 65 and older. Here’s how much you can receive in October 2025, who qualifies, and how to confirm your payment.
Canada OAS Payment 2025: Overview
| Program Name | Canada Old Age Security (OAS) |
|---|---|
| Department | Service Canada |
| Country | Canada |
| Payment Range | $734.95 (Age 65–74) / $808.45 (Age 75+) |
| Next Payment Date | October 25, 2025 |
| Payment Type | Monthly pension deposit |
| Payment Mode | Direct deposit or cheque |
| Beneficiaries | Canadian seniors aged 65 and above |
| Official Website | www.canada.ca |
What is the Canada OAS Payment?
The Old Age Security (OAS) program is one of Canada’s most important federal income supports for seniors. Administered by Service Canada, it provides monthly payments to eligible Canadians aged 65 and older — ensuring that seniors can maintain dignity and independence after retirement.
Unlike the Canada Pension Plan (CPP), OAS is not contribution-based. You don’t need to have worked or paid into it — eligibility is based mainly on age, residency, and citizenship.
For many, OAS is a lifeline. It helps cover essential expenses like food, rent, and medication, especially as inflation continues to strain household budgets.
“OAS ensures that every Canadian senior can age with dignity, regardless of their work history,” said a spokesperson from Service Canada.
Also Read
CPP 2.0 Changes Coming in October 2025 – New $1,433 Monthly Amount and Updated Payment Dates
Why the OAS Program Matters?
After decades in the workforce, many seniors face reduced income, health challenges, and higher living costs. The Canada OAS Payment acts as a financial cushion, preventing poverty among retirees and reducing reliance on family or debt.
Beyond money, the OAS provides emotional and social security — letting seniors live independently with confidence and stability.
The federal government reviews and adjusts OAS payments quarterly based on the Consumer Price Index (CPI) to keep pace with inflation.
Canada OAS Payment Overview for 2025
| Age Group | Monthly OAS Amount (as of October 2025) |
|---|---|
| 65–74 years | $734.95 |
| 75 years and older | $808.45 |
The next scheduled OAS payment will be issued on October 25, 2025, deposited directly into seniors’ bank accounts.
This small but meaningful increase helps retirees deal with rising food, rent, and utility costs — key challenges identified by the 2025 Federal Seniors Report.
OAS Payment Schedule 2025
OAS payments follow a monthly cycle similar to CPP, usually near the third or fourth week of each month.
| Month | Payment Date |
|---|---|
| August 2025 | August 28 |
| September 2025 | September 25 |
| October 2025 | October 25 |
| November 2025 | November 27 |
| December 2025 | December 20 |
Payments are issued automatically to eligible recipients — there’s no need to reapply each month.
OAS vs. CPP – What’s the Difference?
| Feature | OAS (Old Age Security) | CPP (Canada Pension Plan) |
|---|---|---|
| Basis | Residency in Canada | Contributions during working years |
| Eligibility Age | 65+ | 60–70 |
| Maximum Monthly Amount (2025) | $808.45 (age 75+) | $1,433 (after 2.6% increase) |
| Indexation | Adjusted quarterly (CPI) | Adjusted annually (COLA) |
| Administered By | Service Canada | Service Canada / CRA |
Most seniors receive both CPP and OAS, giving them a stable combined income after retirement.
Eligibility Criteria for OAS Payments
To receive the Old Age Security pension, seniors must meet the following criteria:
Age Requirement:
You must be 65 years or older to qualify.
Residency:
You must have lived in Canada for at least 10 years since turning 18. (Those living abroad must have lived in Canada for at least 20 years to qualify.)
Citizenship Status:
You must be a Canadian citizen or permanent resident at the time of approval.
Income Thresholds (2025):
OAS may be reduced or “clawed back” if your annual net income exceeds:
- $142,609 (for ages 65–74)
- $148,179 (for ages 75+)
Other Support:
Low-income seniors can also apply for the Guaranteed Income Supplement (GIS) or Allowance for the Survivor, which provide additional monthly aid.
How to Apply for OAS?
If you have a My Service Canada Account (MSCA), you may already be automatically enrolled when you turn 65.
If not, here’s how to apply manually:
- Log in to My Service Canada Account (MSCA).
- Select “Apply for Old Age Security.”
- Fill out the form with your personal and residency details.
- Upload proof of identity and citizenship/residency documents.
- Submit the form online or mail it to your nearest Service Canada Centre.
You’ll receive a confirmation letter once approved, detailing when payments will begin.
🏦 How to Check or Confirm Your OAS Payment
Seniors can verify their upcoming or past OAS payments through:
- My Service Canada Account (MSCA): Provides real-time payment details, status, and history.
- Bank Deposit Slip: OAS appears as “Service Canada Payment.”
- Contact Service Canada: Call 1-800-277-9914 for payment updates or to change banking information.
Pro Tip: Keep your direct deposit info and mailing address updated to avoid missed payments.
OAS Inflation Adjustment (CPI-Based)
OAS benefits are reviewed four times a year — in January, April, July, and October — to align with changes in the Consumer Price Index (CPI).
If inflation rises, your OAS payment increases automatically. If inflation falls, your payment never decreases — it simply holds steady until the next review.
This quarterly indexing ensures seniors maintain purchasing power even as living costs climb.
Supplementary Benefits With OAS
Many seniors receiving OAS also qualify for additional benefits, including:
| Benefit Name | Purpose |
|---|---|
| Guaranteed Income Supplement (GIS) | Monthly payment for low-income OAS recipients |
| Allowance | For spouses aged 60–64 of OAS recipients |
| Allowance for the Survivor | For low-income widowed individuals aged 60–64 |
| OAS Deferral Bonus | Delay OAS up to age 70 for up to 36% higher payments |
These programs work together to create a comprehensive retirement safety net for Canadians.
October 2025 OAS Payment Update
The next Old Age Security payment will be issued on October 25, 2025.
- Seniors aged 65–74 will receive $734.95 per month.
- Seniors aged 75+ will receive $808.45 per month.
This adjustment reflects Canada’s latest CPI-based increase, ensuring payments stay aligned with rising costs of living.
“Quarterly OAS indexing is essential for seniors on fixed incomes,” said economist Maria Renaud. “It’s what keeps retirement stable amid inflation.”
Key Takeaways
| Fact | Details |
|---|---|
| Program | Old Age Security (OAS) |
| Next Payment Date | October 25, 2025 |
| Payment Amount | $734.95 (65–74) / $808.45 (75+) |
| Eligibility | Age 65+, 10 years in Canada, citizen or permanent resident |
| Mode | Automatic monthly deposit |
| Adjustments | Quarterly CPI-based increases |
FAQs
When is the next OAS payment date?
The next OAS payment will be issued on October 25, 2025.
How much will I receive from OAS in October 2025?
$734.95 for ages 65–74
$808.45 for ages 75 and older
Do I need to reapply for OAS every year?
No. Once approved, OAS payments continue automatically.
Can I get both CPP and OAS?
Yes — most retirees receive both benefits.
Will OAS increase in 2026?
Likely yes, as it adjusts quarterly with the Consumer Price Index (CPI).
