If you’re struggling to keep up with everyday costs, relief is on the way. The federal government will issue the latest GST/HST credit in July 2025, offering up to $179 for eligible single Canadians—and more for families. The Canada Revenue Agency (CRA) has already locked in the payment date, and those who qualify can expect the funds to land directly in their accounts or arrive by mail. This quarterly credit helps offset the rising cost of sales taxes and supports low- and modest-income households nationwide.

Who Gets It

You don’t need to apply separately for the GST/HST credit—it’s automatically determined when you file your income taxes. To be eligible for the July 2025 payment, you must have submitted your 2024 tax return and meet CRA’s income limits. Canadians aged 19 or older by July 1, 2025, who are residents for tax purposes, are eligible. If you’re married or living common-law, your household income is considered jointly. Those with children under 19 also qualify for additional amounts per child.

How Much You’ll Receive

The CRA calculates the payment based on your adjusted family net income and number of dependents. A single person with no children typically gets about $179 for the year—paid in four installments of roughly $44.75. Couples can receive about $379 annually, and each child adds another $179. Families with two children, for instance, may receive up to $737 annually, depending on income. These amounts are reviewed annually and adjusted for inflation, so 2025 rates reflect the latest cost-of-living trends.

When It’s Coming

The CRA has officially confirmed that the third-quarter GST/HST credit will be paid on July 5, 2025. If you’re set up for direct deposit, the funds will appear in your bank account that day. If you receive paper cheques, expect delivery within five business days. To ensure you don’t miss it, log into your CRA My Account and confirm your banking and mailing details are correct. The CRA does not send reminders by text or email, so double-check your official CRA correspondence.

Why It Matters

This credit is more than just a tax refund—it’s a lifeline. With prices rising on everything from food to fuel, these quarterly payments offer real help for those managing tight budgets. For families, the GST/HST credit arrives at a critical time during the summer, when school is out and child-related costs often spike. Alongside other supports like the grocery rebate and Canada Child Benefit, this credit helps reduce the burden on households feeling the pinch of inflation in 2025.

Missed or Delayed

If you don’t receive your payment by mid-July, don’t panic. The first step is to check your CRA My Account for your payment status. Make sure your 2024 taxes were filed and processed. Incorrect bank details or outdated addresses are common causes of delays. If it’s been more than 10 business days with no sign of your money, call the CRA directly. Be cautious—CRA will never ask for personal details over text, so always verify contact sources before sharing information.

Disclaimer: This article is for informational purposes only. Actual GST/HST credit payments depend on your 2024 tax return, family situation, and CRA’s assessment. Payment dates and eligibility criteria are subject to change. For personalized advice or updates, visit the official CRA website or consult a licensed tax advisor.