In an unexpected turn of events, thousands of Canadians discovered a $680 deposit from the Canada Revenue Agency (CRA) in their bank accounts in 2025.
While some thought it was a mistake or bonus, this tax-free payment was actually part of the GST/HST credit, a government support measure designed to offset living costs.
Let’s break down what this benefit is, who qualifies, how much you could receive, and how to ensure you don’t miss out.
What is the $680 CRA Payment?
The GST/HST credit is a quarterly, tax-free payment provided by the Canada Revenue Agency to support low- and moderate-income individuals and families.
It’s not a refund for purchases but a direct cash benefit to help reduce the burden of consumption taxes.
The credit is calculated based on your previous year’s income tax return. So, to receive payments from July 2024 to June 2025, your 2023 tax return is what counts.
Who is Eligible for the $680 CRA Payment?
To receive the $680 in 2025, you must meet several requirements:
1. Income Thresholds and Family Situation
The amount you get depends on your net income, marital status, and number of children under 19.
| Household Type | Maximum Annual Credit |
|---|---|
| Single Individual | $519 |
| Married/Common-law Couple | $680 |
| Per Child (under 19) | +$179 per child |
- Single individuals earning over $49,000 may receive reduced amounts or no payment.
- Families are phased out at higher combined incomes.
2. Residency and Age Criteria
- You must be 19 years or older, or
- Have a spouse/common-law partner, or
- Have a child, and
- Be a resident of Canada for tax purposes.
3. Tax Filing Requirement
Even if you didn’t earn income in 2023, you must file a tax return to be eligible. The Canada Revenue Agency uses your return to determine your benefit amount. No return means no payment.
2025 CRA Payment Schedule
The GST/HST credit is paid out quarterly, either by direct deposit or cheque. If your total benefit is under $50 per quarter, it may be issued as a single payment in July.
| Month | Payment Date |
|---|---|
| January | January 3 |
| June | June 4 |
| July | July 4 |
| October | October 3 |
You can update or set up direct deposit via your CRA My Account.
How to Get the $680 CRA Payment
There is no formal application for the GST/HST credit. Follow these steps to ensure you’re included:
Step 1: File Your 2023 Taxes
- Your 2023 income is used to calculate your July 2024–June 2025 payments.
- Even with zero income, filing ensures you are evaluated for eligibility.
Step 2: Update CRA on Life Changes
Changes in:
- Marital status
- Number of children
- Address or banking details
can affect your payment.
Step 3: Register for CRA My Account
- View payment history
- Update personal information
- Check future payment dates
Real-Life Example: Ontario Couple with a Child
Samantha and John from Ontario filed their 2023 taxes with a combined household income of $32,000 and have one child.
| Credit Type | Amount |
|---|---|
| Couple Credit | $680 |
| Child Credit | $179 |
| Total | $859 |
They will receive $214.75 every quarter to help manage household expenses.
Why It Feels Like a Surprise
Some Canadians were surprised to see the payment because:
- They filed taxes late and CRA issued back payments
- They experienced life changes (divorce, new baby, lower income)
- They recently turned 19 and became eligible
- CRA conducted a reassessment and released retroactive amounts
If you get an unexpected deposit, check your CRA My Account to confirm.
Smart Tips to Maximize the CRA Payment
- Enable direct deposit for faster access
- Monitor your CRA account for updates
- Budget quarterly for bills or essentials
- Stack with other benefits like CCB or CAIP
This benefit is not just for families—it applies to students, seniors, and low-income workers, too.
The $680 CRA payment in 2025 isn’t a random bonus—it’s a vital support tool under the GST/HST credit system.
Filing your taxes on time and keeping your information updated with the CRA is key to accessing this much-needed financial assistance.
FAQs
Is the $680 CRA payment a one-time bonus?
No, it’s part of the ongoing GST/HST credit issued quarterly. The amount varies based on family income and situation.
What if I didn’t get the payment but believe I qualify?
Log into your CRA My Account to review your benefits or call CRA for clarification.
Can students or unemployed individuals qualify for the GST/HST credit?
Yes, if they meet the income, age, and residency criteria and have filed their tax return.