Thousands of Canadians were pleasantly surprised in 2025 when a $680 deposit from the Canada Revenue Agency (CRA) appeared in their bank accounts.
This unexpected financial boost isn’t a bonus or a mistake—it’s part of the GST/HST credit, a longstanding government benefit that helps offset the cost of goods and services tax for low- and middle-income Canadians.
If you’re wondering whether you qualify or how to make sure you don’t miss out on similar payments in the future, here’s everything you need to know.
What Is the CRA $680 Payment?
The GST/HST credit is a tax-free quarterly payment designed to help Canadians manage the cost of living by reducing the burden of consumption taxes.
This credit is not a refund on purchases but a financial support measure for households with modest income.
The Canada Revenue Agency automatically issues the credit to eligible individuals and families based on their most recent tax return.
Who Qualifies for the $680 CRA Payment?
To receive the $680 Canada Revenue Agency payment in 2025, you must meet specific eligibility requirements:
1. Income and Family Structure
| Household Type | Maximum Annual Credit |
|---|---|
| Single Individual | $519 |
| Married/Common-Law | $680 |
| Per Child (Under 19) | +$179 per child |
Credits are gradually reduced as income increases. For example, single individuals earning over $49,000 may not qualify, while households with children might receive additional amounts depending on income level.
2. Age and Residency
- You must be 19 years or older (or have a spouse/partner or child)
- You must be a resident of Canada for tax purposes
3. Tax Filing Requirement
You must file your 2023 tax return to be considered for the July 2024 to June 2025 benefit period—even if your income is zero. The CRA uses your return to determine eligibility.
CRA $680 Payment Schedule in 2025
The GST/HST credit is paid every quarter. In some cases, if your total benefit is less than $50 per quarter, the Canada Revenue Agency may issue the full amount as a lump sum in July.
2025 Payment Dates:
| Month | Payment Date |
|---|---|
| January | January 3 |
| June | June 4 |
| July | July 4 |
| October | October 3 |
Payments are made through direct deposit or by cheque. Direct deposit ensures faster and more secure delivery and can be managed through your CRA My Account.
How to Receive the $680 CRA Payment
There’s no separate application for the GST/HST credit. Here’s what you should do:
Step 1: File Your Taxes
The Canada Revenue Agency uses your 2023 tax return to determine your eligibility for payments between July 2024 and June 2025. File even if you had no income.
Step 2: Update CRA on Life Changes
Notify the CRA of:
- Changes in marital status
- New or additional children
- Updates to banking or address information
These updates can affect your eligibility or payment amount.
Step 3: Use the CRA My Account
With this online portal, you can:
- View upcoming payment dates
- Check payment history
- Update personal and financial information
Real Example: Who Gets What
Samantha and John from Ontario have one child and a combined 2023 income of $32,000. Based on Canada Revenue Agency calculations:
| Component | Amount |
|---|---|
| Couple Credit | $680 |
| Child Credit | $179 |
| Total Credit | $859 |
They’ll receive $214.75 every quarter, helping them manage everyday expenses like groceries, bills, and transportation.
Why It’s Called a “Surprise” Payment
Many recipients didn’t expect this credit. Here’s why it might feel like a surprise:
- You filed taxes late, and Canada Revenue Agency issued back payments
- A recent change in income or family status triggered eligibility
- You turned 19 and became eligible for the first time
- CRA reassessed your file and issued retroactive amounts
Always double-check your bank statement and Canada Revenue Agency account if you receive an unexpected deposit.
Extra Tips to Maximize Your CRA Benefits
- Set up direct deposit to get your money faster
- Monitor CRA My Account for upcoming payments or adjustments
- Combine GST/HST credit with other benefits like the Canada Child Benefit (CCB) or Climate Action Incentive
- Budget your quarterly credit for essential expenses
Remember, this credit is not just for families—students, low-income individuals, and seniors may also qualify.
The $680 CRA payment in 2025 is part of the federal government’s GST/HST credit, a valuable support program for low- and moderate-income Canadians.
By filing your taxes and keeping your CRA information current, you ensure access to this benefit—without needing to apply or wait in uncertainty.
FAQs
Who is eligible for the $680 CRA payment in 2025?
Canadian residents 19+ who filed their 2023 taxes, meet income thresholds, and have eligible family status may receive the payment.
When will the CRA send the $680 payment in 2025?
Payments are made quarterly: January 3, June 4, July 4, and October 3 via direct deposit or cheque.
Do I need to apply for this payment?
No. It is automatically calculated based on your 2023 tax return, as long as you meet the eligibility criteria.