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As July 2025 approaches, Canadian seniors relying on Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) are preparing for their monthly combo payment.
These federal benefits are designed to support retired individuals with limited income, helping them manage daily living expenses like rent, groceries, and medications.
This article outlines eligibility criteria, expected payment dates by province, latest figures, and what seniors can expect from the July 2025 OAS + GIS combo deposit.
Who Is Eligible for OAS and GIS in July 2025?
To qualify for the OAS July 2025 payment, applicants must meet the following criteria:
- Must be 65 years of age or older
- Be a Canadian citizen or legal resident
- Have resided in Canada for at least 10 years after turning 18
For GIS eligibility, additional conditions apply:
- Must already be receiving OAS
- Have an annual income below the GIS threshold, which varies based on marital status
GIS thresholds are updated annually. For July 2025, the new income thresholds are expected by late June 2025.
Individuals are typically automatically reassessed each year using their previous tax returns. Newly eligible applicants must apply through Service Canada.
OAS and GIS July 2025 Payment Date by Province
The official OAS + GIS July 2025 payment date is Wednesday, July 31, 2025. However, actual deposit times may vary by province due to differences in bank processing times and local holidays.
Expected Deposit Dates by Province
| Province/Territory | Expected Deposit Date |
|---|---|
| Ontario | July 31, 2025 |
| Quebec | July 31 – August 1, 2025 |
| British Columbia | July 31, 2025 |
| Alberta | July 31, 2025 |
| Manitoba | July 31, 2025 |
| Saskatchewan | July 31, 2025 |
| Nova Scotia | July 31 – August 1, 2025 |
| New Brunswick | July 31, 2025 |
| Newfoundland & Labrador | July 31 – August 1, 2025 |
| Prince Edward Island | July 31, 2025 |
| Yukon, Northwest Territories, Nunavut | July 31 – August 2, 2025 |
If you do not receive your payment by August 5, contact Service Canada or log into your My Service Canada Account (MSCA) to track the status.
July 2025 GIS Update: What’s New?
There are no planned mid-year increases to GIS in July 2025. However, inflation-adjusted payments introduced earlier in the year continue.
If you qualified for GIS in 2024 and your income remains below the updated thresholds, you can expect uninterrupted payment in July.
How Much Will You Receive in July 2025?
Here’s a breakdown of the expected maximum payments for July 2025:
| Benefit | Maximum Monthly Amount (Estimated) |
|---|---|
| OAS | $713.34 |
| GIS (Single) | $1,065.47 |
| Total Combo | $1,778.81 |
Those who are married or common-law may receive different GIS amounts based on household income.
To ensure inclusion in the July 2025 payment:
- New GIS applicants must apply by June 10, 2025
- Ensure income tax return for 2024 is filed and processed
Why OAS and GIS Matter to Seniors
OAS and GIS payments are essential for many Canadian seniors. The combo ensures a steady, predictable source of income, especially for those without workplace pensions or RRSP savings. It helps cover essential needs and provides financial stability.
Missing an application deadline or having incorrect banking details can delay your funds—so staying updated with your MSCA portal is critical.
The OAS + GIS July 2025 combo payment is scheduled for July 31, 2025, with slight provincial variations.
For those eligible, this payment continues to provide vital financial assistance. Whether you’re already receiving benefits or applying for the first time, staying on top of deadlines, eligibility, and account information ensures you get your funds without delay.
FAQs
What if I turn 65 in June or July 2025?
You may still qualify for the July 2025 OAS payment if you apply in time and meet the residency requirements. GIS may require an additional application and income assessment.
How do I update my banking info for OAS/GIS payments?
Log into your My Service Canada Account and navigate to direct deposit settings. Update your account before July 20, 2025, to avoid delays.
Is the July 2025 payment amount taxable?
OAS payments are taxable income, but GIS payments are not. You’ll receive a tax slip (T4A) for OAS during tax season.