CRA payment dates for January 2026 cover major federal benefits including GIS, CPP, OAS, and the GST/HST Credit, helping seniors and low- to modest-income Canadians plan their monthly finances as the new year begins.
Why January 2026 CRA Payment Dates Matter
Payments administered by the Canada Revenue Agency (CRA) and Service Canada are essential for covering housing, food, utilities, and medical costs, especially after year-end expenses and holiday spending.
January 2026 CRA Benefits Payment Overview
| Benefit | Paying Authority | Typical January Timing |
|---|---|---|
| CPP | Service Canada | Late January |
| OAS | Service Canada | Late January (same day as CPP) |
| GIS | Service Canada | Late January (with OAS) |
| GST/HST Credit | CRA | Early January (quarterly cycle) |
CPP Payment Date – January 2026
The Canada Pension Plan (CPP) benefit is usually deposited on the third-to-last business day of the month, meaning January 2026 CPP payments are expected near month-end, subject to banking schedules and holidays.
OAS and GIS Payment Date – January 2026
Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) are typically paid on the same day as CPP, ensuring seniors receive combined retirement income in a single monthly deposit.
GST/HST Credit Payment Date – January 2026
The GST/HST Credit, managed by the CRA, is paid quarterly, with the January installment usually released early in the month, helping eligible households offset consumption taxes.
How to Make Sure You Receive Payments on Time
Beneficiaries should enroll in direct deposit, keep bank and address details updated, and regularly check CRA My Account or Service Canada portals to avoid delays.
Key Things to Remember for January 2026 CRA Payments
- CPP, OAS, and GIS are paid together near the end of January
- GST/HST Credit is paid early January (quarterly benefit)
- Direct deposit is faster and more secure than cheques
- Payment dates may shift due to weekends or holidays
- Eligibility and amounts vary by individual circumstances
Conclusion
The January 2026 CRA payment schedule ensures timely delivery of CPP, OAS, GIS, and GST/HST Credit benefits, helping Canadians start the year with predictable income support and improved financial stability.
Disclaimer
Exact payment dates and amounts may vary depending on individual eligibility, banking institutions, and official government calendars; recipients should rely on CRA and Service Canada announcements for final confirmation.