$698 CRA GST/HST Credit September 2025 – Check Eligibility & Payment Date

As buzz grows around a $698 CRA GST/HST Credit in September 2025, many Canadians are asking what’s real, who is eligible, and when the next payment actually arrives.

The GST/HST credit is a tax-free, quarterly payment designed to help low- and modest-income households offset sales tax.

Your amount for the July 2025–June 2026 benefit year is based on your filed 2024 tax return, your Adjusted Family Net Income (AFNI), and your family size.

The figure $698 refers to the maximum annual base for a couple (before income reductions), not a one-time September deposit.

In this guide, we cut through the confusion—clarifying the official payment schedule (July–October–January–April), what the per-quarter amounts look like, and the simple steps to make sure you’re paid on time through direct deposit.

You’ll also learn how single supplements, per-child amounts, and the 5% AFNI reduction affect your credit, plus what to do if you’re new to Canada or your marital status/child benefits changed this year.

By the end, you’ll know exactly how much you can expect, when it’s coming, and how to check your status in CRA My Account so you don’t miss a dollar you’re entitled to.

GST/HST Credit at a Glance (September 2025 Status)

Item	What it means for you
Program	GST/HST Credit – a tax-free quarterly payment that helps low and modest-income Canadians offset sales tax.
Current benefit year	July 2025 – June 2026 (calculated from your 2024 tax return).
Next payment date	October 3, 2025 (no September payment).
Quarterly schedule (2025)	Jan 3, Apr 4, Jul 4, Oct 3.
Maximum annual amounts	$533 (single, includes a single-supplement up to $184), $698 (married/common-law), +$184 per child under 19.
Typical quarterly equivalents	$133.25 (max single), $174.50 (max couple), +$46 per child per quarter. (Annual ÷ 4)
How amounts are set	Start with base credits: $349 (you) + $349 (spouse/common-law) + $349 (first child in a single-parent family) + $184 per additional child. Then apply income rules (see below).
Income test	Your credit is reduced by 5% of Adjusted Family Net Income (AFNI) over $45,521.
Small-amount rule	If your entitlement is under $50 per quarter, CRA pays the full year in July (no Oct/Jan/Apr payments).
Includes provincial/territorial components	Some provincial/territorial credits are combined into the same deposit.

Who is Eligible in September 2025?

You generally qualify if you’re a Canadian resident for tax purposes and meet at least one of these: 19+, have (or had) a spouse/common-law partner, or are (or were) a parent living with your child.

You must be a resident the month before and at the beginning of the payment month.

Filing your 2024 tax return lets CRA calculate your July 2025–June 2026 amounts automatically. Newcomers who haven’t filed can apply using Form RC151 (web form available).

How Your Payment is Calculated

• Start with base amounts (see table): $349 (you), $349 (spouse/partner), $349 for the first child in a single-parent family, plus $184 per other child.
• Single supplement: if you’re single, you may get up to $184 extra, based on your income.
• Income reduction: subtract 5% of AFNI over $45,521 from your total annual credit.
• Quarterly payment: divide the final annual credit by four; CRA pays it in July, October, January, April.

Examples (max cases):

• Single, no kids at max: $533/year → $133.25 per quarter.
• Couple, no kids at max: $698/year → $174.50 per quarter.
• Each child adds $184/year → $46 per quarter.

Remember, most people don’t receive the maximum—the 5% AFNI reduction lowers the amount as income rises.

Payment Dates You Should Mark

• 2025: Jan 3, Apr 4, Jul 4, Oct 3. (No September date)
• 2026: Payments continue in January and April 2026 for this benefit year (exact days vary if a weekend/holiday shifts the date).

If your July 2025 calculation was under $50 per quarter, you already received the full year in July and won’t see an October deposit.

How to Make Sure You’re Paid

• File your 2024 return (even with no income); CRA calculates your eligibility automatically.
• Keep details updated in CRA My Account (marital status, address, children) so your Adjusted Family Net Income and family size are accurate.
• New to Canada? Apply using RC151 (web form or PDF). If you have children, use RC66 via the Canada Child Benefit application so your kids are registered.
• Direct deposit ensures funds arrive on the scheduled day; cheques can take longer.

Common Myth: “There’s a One-time $698 Payout in September”

Not true. $698 is the maximum annual base for a couple (before income reductions), not a special September amount. The credit is quarterly and your next date is October 3, 2025.

FAQs