$808 and $1,097 OAS & GIS Direct Deposit Coming to Canada Seniors on November 25, 2025 – Complete Guide

If you are a senior living in Canada and depending on monthly federal benefits, mark your calendar for November 25, 2025. The OAS & GIS Direct Deposit November 2025 is scheduled to be released that day, bringing vital income support directly into the accounts of eligible seniors. For many, this monthly deposit helps cover everyday essentials like groceries, rent, and utility bills, especially during times of rising costs.

The upcoming OAS & GIS Direct Deposit November 2025 is part of the Canada Revenue Agency’s scheduled payments for retired individuals receiving Old Age Security and the Guaranteed Income Supplement. Depending on your age and income level, the combined total can reach up to $1,906.20. In this guide, we break down payment amounts, who qualifies, and what steps to take if you are new to the program.

OAS & GIS Direct Deposit November 2025: Amounts, Eligibility, and Payment Date

For many seniors across Canada, the OAS & GIS Direct Deposit November 2025 represents a critical part of their financial stability. Administered by the Canada Revenue Agency (CRA), these monthly payments combine two distinct programs: Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). OAS is a taxable pension provided to Canadians aged 65 and over, while GIS is a non-taxable benefit designed to support seniors with little or no income. The exact amount a person receives depends on several factors, including age, marital status, residency history, and annual income. Seniors aged 75 and above receive higher OAS payments than those aged 65 to 74, and GIS payments are adjusted based on household income levels. Approved recipients receive these payments automatically through direct deposit, with no need to submit monthly claims or forms.

Overview Table: OAS & GIS Direct Deposit November 2025

OAS

The Old Age Security (OAS) pension is a taxable monthly benefit available to most Canadians aged 65 and over. The amount a person receives depends on their age and how long they have lived in Canada after turning 18. For November 2025, the OAS payments reflect a 1.0 percent Cost of Living Adjustment (COLA) to account for inflation.

Here are the current monthly amounts:

• Seniors aged 65 to 74 will receive $734.95
  
• Seniors aged 75 and above will receive $808.45
  

This increase provides a modest but important bump in support for older Canadians. OAS does not require a history of employment or contributions, but it does have residency requirements.

GIS

The Guaranteed Income Supplement (GIS) is a non-taxable monthly benefit for low-income seniors who receive OAS. It is income-tested and provides additional help for those who do not have other substantial retirement income.

For November 2025, the GIS payment amounts are as follows:

• Single, divorced, or widowed seniors: $1,097.75
  
• Married/common-law (both receive OAS): $654.23
  
• Married (only one receives OAS): $1,097.75
  
• Married (OAS and Allowance): $654.23
  

GIS benefits are automatically reviewed every three months to reflect changes in cost of living and income status, so the amounts may change during the year.

Eligibility

To qualify for the OAS & GIS Direct Deposit November 2025, applicants must meet the following requirements:

• Be 65 years of age or older
  
• Be a Canadian citizen or legal resident
  
• Have lived in Canada for at least 10 years after age 18
  
• For full OAS, lived in Canada for 40 years or more
  
• Have low or no income for GIS (income-tested, not contribution-based)
  

You do not need to have worked or paid into a pension to qualify for these programs. If you live outside Canada, you might still be eligible depending on your past residency and your compliance with application rules.

Threshold

The OAS & GIS Direct Deposit November 2025 may be affected by your reported income. If your net income is above $97,997 between July 2025 and June 2026, you may see a reduction or complete clawback of your OAS benefit. For GIS, the income thresholds are even lower, making it essential to report all income sources accurately.

If your income changes during the year due to work, pensions, or investment income, you must inform the CRA to avoid overpayments, which could lead to repayment demands or temporary suspension of benefits.

Payment

Payments for OAS and GIS are typically deposited during the last week of each month. The OAS & GIS Direct Deposit November 2025 is scheduled for Tuesday, November 25. If you have already been approved, your payment will be deposited automatically into your bank account.

There is no need to reapply each month once you are enrolled. The CRA handles these monthly payments as part of its regular federal benefits schedule. Paper cheques are available for those who do not use direct deposit, although they may take longer to arrive.

Application

If you are turning 65 soon or are newly eligible, you need to apply for OAS and GIS benefits. Here is how to get started:

1. Visit the My Service Canada Account (MSCA) portal
   
2. Register or log in to your account
   
3. Navigate to the OAS and GIS application section
   
4. Complete the required forms and upload your documents:
   
   • Proof of age
     
   • Canadian residency status
     
   • Proof of income
     
   • Bank account for direct deposit
     

You can also apply by mail or visit your local Service Canada office if you prefer in-person assistance. Once approved, you can track your application status through your online account.

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