When the cost of living feels like it’s always inching higher, every little bit of support counts. That’s exactly where Canada’s GST/HST credit steps in. For October 2025, eligible Canadians will see a payment that could reach up to $497, depending on family income and household size. And honestly, if you’re someone juggling bills, groceries, and maybe even daycare fees, this isn’t just pocket change—it’s a small lifeline.
Now, let’s break it down in plain terms. The GST/HST credit (short for Goods and Services Tax/Harmonized Sales Tax credit) is a tax-free quarterly benefit. It’s designed to ease the impact of sales taxes on low- and moderate-income Canadians. It may not cover your rent or fill your entire pantry, but to be fair, it can definitely soften the blow of rising day-to-day expenses.
When Is the October 2025 GST/HST Credit Payment Coming?
The big date you’ll want to mark on your calendar is October 4, 2025. That’s the day the Canada Revenue Agency (CRA) will deposit or mail out the fall GST/HST credit. Payments usually land directly in your bank account if you’ve set up direct deposit. If you’re still using the old-fashioned cheque system, expect a little mailing delay.
Here’s a quick look:
| Payment Date | Payment Type | Maximum Individual Amount (Oct 2025) |
|---|---|---|
| October 4, 2025 | GST/HST Credit | Up to $497 (based on income and family size) |
Who Qualifies for the $497 Credit in October?
Not everyone automatically gets the maximum. The $497 figure is essentially the upper threshold for a single adult. The actual amount you’ll see depends on your 2024 tax return, household income, and whether you’re single, married, or supporting kids.
Here’s the quick-and-dirty version of eligibility:
- You must be 19 years or older (or a parent/spouse/common-law partner).
- You must be a Canadian resident for tax purposes.
- You need to have filed your 2024 income tax return (even if you had no income, filing is the key step).
- The payment gets phased out as income rises—higher earners don’t qualify.
How Much Can You Expect?
This is the part everyone asks: “So, how much am I actually getting?”
Well, the CRA uses a formula that factors in your family net income and household composition. To give you an idea:
- Single adults: Up to $497.
- Married/common-law couples: Up to $650 combined.
- Each child under 19: Around $171 extra per child.
So, let’s say you’re a family of four (two parents, two kids). Your October 2025 GST/HST credit could be in the ballpark of $992. That’s a decent bit of help when grocery prices and utilities are climbing.
Direct Deposit vs. Cheque
Honestly, if you’re not already on direct deposit, you’re missing out on both speed and convenience. Most Canadians now receive their GST/HST credit directly into their bank account. With direct deposit, funds usually show up the morning of October 4. Cheques, on the other hand, can take up to 10 business days to arrive, sometimes longer if mail delays crop up.
Pro tip: You can set up direct deposit through your bank’s online portal or the CRA’s “My Account” service. It takes about 5 minutes and saves you a lot of waiting.
Why the GST/HST Credit Matters in 2025
To be fair, $497 won’t change your financial world overnight. But with inflation still lingering and the cost of essentials biting harder, the GST/HST credit does offer breathing room. For some, it means not having to swipe the credit card for groceries that week. For others, it’s a chance to catch up on a utility bill or cover winter clothing for the kids.
On the flip side, it’s also worth noting that this credit is quarterly. So, you can count on four payment dates: January, April, July, and October. That regularity helps families plan ahead, even if the amounts aren’t huge.
Wrapping It Up
So, here’s the bottom line: If you’ve filed your 2024 taxes and your income fits the criteria, you can expect your October 2025 GST/HST credit payment of up to $497 on October 4, 2025. Whether it’s a grocery top-up, a little help with bills, or even just a cushion for unexpected expenses, this quarterly payment is meant to make life just a bit easier.
And honestly, in today’s economy, every little bit counts.
FAQs
Q1. When will the October 2025 GST/HST credit be paid?
It will be paid on October 4, 2025.
Q2. What is the maximum payment amount in October 2025?
A single adult could receive up to $497. Families with children can receive more.
Q3. Do I need to apply for the GST/HST credit?
No, the CRA automatically calculates eligibility once you file your taxes.
Q4. How do I make sure I get the payment faster?
Set up direct deposit with the CRA or through your bank.
Q5. What if I don’t receive my October payment?
Wait at least 10 business days, then contact the CRA for a follow-up.