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The Canada Pension Plan (CPP) pays once a month near the end of the month.
For November 2025, the scheduled payment date is Wednesday, November 26, 2025.
This date applies to CPP retirement, CPP disability, survivor, and children’s benefits because all CPP payments are issued together.
If you are on direct deposit, your funds typically arrive in your bank account on the payment day. Cheque recipients should allow extra time for postal delivery.
How CPP Amounts Work In 2025
Your CPP amount depends on your lifetime contributions and the age you start your pension.
While most Canadians receive less than the maximum, the maximum CPP retirement pension at age 65 in 2025 is about $1,433.00 per month.
CPP is indexed to inflation and adjusted every January using the Consumer Price Index (CPI), so your amount for November remains the same through the year, with any increase showing on the January 2026 payment.
Full November 2025 Schedule At A Glance
Here is a quick planner to help you map deposits around the CPP date. (Programs listed are common federal and provincial benefits with November activity.)
| Program / Benefit | November 2025 Date | What To Know |
|---|---|---|
| Canada Pension Plan (CPP) | Nov 26, 2025 (Wed) | Retirement, disability, survivor & children’s benefits paid together via direct deposit or cheque. |
| Old Age Security (OAS/GIS/Allowance) | Nov 26, 2025 (Wed) | OAS/GIS usually shares the same monthly pay date as CPP. |
| Canada Child Benefit (CCB) | Nov 20, 2025 (Thu) | Monthly deposit for eligible families; arrives by direct deposit on the date. |
| Ontario Trillium Benefit (OTB) | Nov 10, 2025 (Mon) | Monthly payment for eligible Ontario residents. |
| Alberta Child And Family Benefit (ACFB) | Nov 27, 2025 (Thu) | Quarterly schedule; November is a pay month. |
| GST/HST Credit | No November payment | Quarterly schedule (January, April, July, October). |
Tip: If you receive multiple benefits, line them up in your calendar so you can plan bill payments and groceries around deposit days.
How To Ensure On-Time Payment
Enroll In Direct Deposit: The fastest way to receive CPP is through direct deposit. You can enroll or update bank details in your My Service Canada Account (MSCA).
Check Your Banking Info: If your bank account changed recently, update it before the cut-off so your November 26 deposit is not delayed.
Understand Cheque Timing: Paper cheques are mailed during the last business days of the month, and delivery can spill into early December depending on postal times and your location.
Track Indexation: CPP amounts are reviewed annually; your January payment reflects the latest CPI change, not November.
Who Gets CPP In November
You’ll be paid on November 26, 2025 if you are approved and currently receiving any of the following:
- CPP Retirement Pension (age 60–70, with reduction/increase depending on start age)
- CPP Disability (including Post-Retirement Disability Benefit)
- CPP Survivor’s Pension and Children’s Benefit (for eligible dependants)
Budgeting Tips For Late-Month Payments
Automate Bills: Set auto-pay for essential bills a few days after November 26 so funds clear first.
Separate Necessities: Keep a small “necessities” buffer for groceries and medications during the final week.
Review Deductions: If you have income tax or voluntary contributions coming off your deposit, factor that into your net amount.
The key date for Canadians this month is Wednesday, November 26, 2025, when CPP lands for retirement, disability, survivor, and children’s benefits.
To avoid delays, ensure direct deposit is set up and your MSCA details are current.
Pair the CPP date with other November benefits like OAS (same day) and CCB (Nov 20) to plan bills, food, and transport confidently.
With a clear view of the full CRA schedule for November, you can budget the final weeks of the year smoothly and step into December with fewer surprises.
FAQs
With direct deposit, funds usually show on the date; exact posting time varies by bank. Cheques take longer due to mailing and local delivery times.
Yes. OAS/GIS/Allowance typically shares the same November pay date as CPP, which is Wednesday, November 26, 2025.
No. CPP indexation happens each January using CPI. Your amount is generally stable through 2025, with any change reflected in January 2026.