Nani
If you’re a Canadian senior planning your monthly budget, Old Age Security (OAS) timing and amounts matter.
October kicks off a fresh quarter for OAS indexation, which means a small bump in your monthly payment.
Below you’ll find the October 2025 OAS payment date, how much you can expect after the quarter’s 0.7% increase, and the latest on eligibility, residency, and the OAS recovery tax (clawback) thresholds—explained simply so you can act with confidence.
October 2025 OAS Payment Date
The Government of Canada’s official benefits calendar shows that October 2025 OAS will be paid on Wednesday, October 29, 2025 (via direct deposit on that date). Cheques, if used, can take additional mail time.
How Much You’ll Get in October (Indexation Update)
OAS is indexed quarterly (January, April, July, October) to the Consumer Price Index. For October–December 2025, OAS benefits increase by 0.7% over the July–September amounts.
For July–September 2025, the maximum monthly OAS amounts were:
- $734.95 for ages 65–74
- $808.45 for ages 75+ (includes the permanent 10% increase for 75+ introduced in July 2022)
Applying the announced +0.7% for October–December 2025 gives estimated new maxima of approximately:
- $740.09 (65–74)
- $814.11 (75+)
These figures are straightforward calculations from the published quarter-over-quarter increase and may be rounded by the program when rates are posted in their tables.
Why the increase? Service Canada confirms the CPI-based adjustment and even shows the CPI averages used for the October–December 2025 calculation that produced the +0.7% change.
Quick Reference (October 2025)
| Item | Details |
|---|---|
| Payment date | October 29, 2025 |
| Quarter | October–December 2025 |
| Indexation | +0.7% vs. July–September 2025 |
| Max OAS (65–74) | About $740.09 (est., from $734.95) |
| Max OAS (75+) | About $814.11 (est., from $808.45) |
| Indexation method | Quarterly CPI review; amounts rise with inflation, never decrease if CPI falls |
Sources for the figures above: the Government of Canada benefits calendar (date) and the OAS payment amounts/indexation page (increase and prior-quarter maxima).
Updated Eligibility Essentials for 2025
You can receive OAS even if you’ve never worked; contributions are not required. The core rules remain:
- Age: 65+ to start OAS (you can defer up to 60 months to increase your monthly amount by 0.6% per month, up to 36% at age 70).
- Residency (in Canada): At least 10 years of residence in Canada after age 18.
- Residency (outside Canada): At least 20 years of residence in Canada after age 18.
- 75+ top-up: A permanent 10% increase to the base OAS for seniors aged 75+ remains in effect.
2025 OAS Recovery Tax (Clawback) Thresholds
High-income seniors may face the OAS recovery tax. For 2025, the federal quarterly report notes:
- The repayment starts when net world income exceeds $93,454.
- OAS is fully eliminated at $151,668 (ages 65–74) and $157,490 (ages 75+).
How OAS Is Paid (and How to Avoid Delays)
Most people receive OAS by direct deposit on the official date (recommended for speed and reliability).
Paper cheques can take additional days to arrive by mail.
You can also defer OAS to increase your monthly amount, which can be helpful if you’re still working and expect to exceed the clawback threshold.
Key Takeaways
- October 2025 OAS date: October 29, 2025.
- Amounts: October ushers in a +0.7% quarterly indexation; estimated maxima are about $740.09 (65–74) and $814.11 (75+).
- Eligibility: Age 65+, meet residency rules (10 or 20 years), and remember the 10% top-up for 75+.
- Clawback: For 2025, repayment starts at $93,454 of net world income; OAS can be fully clawed back at higher incomes.
For October 2025, OAS lands on October 29 and payments rise modestly by 0.7% for the new quarter.
If you are 65–74, plan on an estimated maximum near $740; if you’re 75+, expect around $814 thanks to the built-in 10% uplift.
Confirm you meet the residency requirements, keep an eye on clawback thresholds, and consider direct deposit for timely receipt.
With these updates, you can set a reliable budget and make smart decisions about when to start—or defer—your Old Age Security.
FAQs
The OAS payment is scheduled for Wednesday, October 29, 2025 (direct deposit).