The CRA is sending $680 payments in November 2025 to certain Canadian households

The Canada Revenue Agency (CRA) announced a one-time payment of $680 to be distributed in November 2025 to may be able to access individuals. This payment is part of a federal measure and is separate from regular tax refunds or ongoing benefit payments. The money goes directly to your bank account if you have one on file with the CRA, or by cheque if you do not.

The payment is not something you request or apply for through a form. The CRA identifies who receives it based on information already in their system from your tax return and benefit records. If you are may be able to access, the payment arrives automatically during the November distribution window.

Key Takeaways

  • The $680 payment is automatic — you do not need to take any action or submit paperwork to receive it if you are may be able to access.
  • The CRA deposits the money to the bank account linked to your CRA profile, or mails a cheque if no account is on file.
  • may be able to access is based on your 2024 tax return and your status in CRA benefit programs, so filing your taxes on time matters.
  • You can check your CRA account online through My Account to see if a payment is scheduled and when it will arrive.

Who receives the $680 payment

The CRA targets this payment to households below a certain income threshold. The exact income limit and other may be able to access rules depend on family size and the specific criteria set out in the federal announcement. Generally, the payment reaches lower- and middle-income households, and the CRA uses tax return data and benefit information to determine who qualifies.

If you received the Canada Child Benefit, the Goods and Services Tax credit, or other means-tested benefits in 2024, you are more likely to be in the may be able to access group. The CRA cross-references these records to identify recipients without requiring you to do anything.

How the payment reaches you

If you have set up direct deposit with the CRA — which most people do when they file taxes or receive benefits — the $680 lands in your bank account. Direct deposit is the fastest method and typically arrives within a few business days of the CRA's processing date.

If the CRA does not have a bank account on file, they mail a cheque to your address of record. Cheques take longer to arrive and to clear, so if you have not provided banking details to the CRA, consider updating your account online to speed up future payments.

When to expect the payment

The CRA announced that the $680 payment would be distributed in November 2025. The exact date depends on the CRA's processing schedule and your bank's processing time. Direct deposit payments typically arrive mid-month, while cheques may take several weeks from the mailing date.

You can log into My Account on the CRA website to see if a payment is scheduled for your account and to view the expected deposit date. This is the most reliable way to confirm you are receiving the payment and when it will arrive.

What to do if you do not receive the payment

If November passes and you expected the payment but did not receive it, first check your CRA My Account to confirm whether a payment was issued. If the account shows a payment was sent but you did not receive it, contact your bank to ask if the deposit was delayed or if there was an issue with the account number on file.

If My Account shows no payment was issued to you, you can contact the CRA directly through their phone line or by visiting a local tax services office. Have your Social Insurance Number and recent tax return information ready. The CRA can explain why you were not included and whether you can provide additional information to change that outcome.

Updating your CRA account before November

If you have not filed your 2024 tax return yet, do so as soon as possible. The CRA uses the most recent tax return on file to determine may be able to access, so filing late could delay or prevent your payment. You can file online through NETFILE, by mail, or in person at a tax services office.

If your bank account information or mailing address has changed since you last updated the CRA, log into My Account and make those changes now. This ensures the payment reaches you without delay. You can also call the CRA to update your information by phone if you do not have online access.

Frequently Asked Questions

Do I have to pay taxes on the $680 payment?

No. This is a one-time government payment and is not considered taxable income. You do not report it on your tax return, and it does not affect your tax liability or future benefit amounts.

Will the $680 affect my benefits or tax credits?

The payment is not counted as income for the purpose of calculating benefits like the Canada Child Benefit or the Goods and Services Tax credit. It is a separate, one-time transfer and does not reduce or change your may be able to access for ongoing programs.

What if I moved and the CRA has my old address?

If a cheque is mailed to an old address, you may not receive it. Update your address in My Account or call the CRA before November. If a cheque was already mailed to the wrong address, contact the CRA and ask them to reissue it to your current address.

Can I check the status of my payment online?

Yes. Log into My Account on the CRA website using your Social Insurance Number and password. The account shows scheduled payments, deposit dates, and payment history. This is the fastest way to confirm whether you are receiving the $680 and when.