$808 + $1,097 OAS & GIS Direct Deposit in Canada on November 25, 2025 – Full Guide!

Senior citizens in Canada relying on Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) will receive their next monthly benefit on November 25, 2025. The $808 + $1,097 Canada OAS – GIS Direct Deposit is part of the regular monthly cycle issued by the Canada Revenue Agency (CRA), aimed at supporting retired individuals with low or moderate income.

If you’re eligible and have already enrolled, your payment will be automatically deposited into your bank account. But how much you get and whether you qualify can vary. Here’s a complete breakdown.

Overview

Both OAS and GIS are financial assistance programs under Canada’s federal income support system. OAS provides a base monthly pension, while GIS offers additional income support for low-income seniors. Combined, qualified individuals could receive up to $1,906.20 monthly starting November 2025.

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Here’s a quick snapshot:

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OAS

Old Age Security (OAS) is a taxable monthly payment available to most Canadians aged 65 or older. The amount you receive depends on your age and how long you’ve lived in Canada after turning 18.

In November 2025:

• Seniors aged 65 to 74 will receive $734.95
• Seniors aged 75 and above will receive $808.45

This includes a 1.0% COLA increase to account for rising living costs.

GIS

The Guaranteed Income Supplement (GIS) is non-taxable and paid to seniors who receive OAS and have a low or no income. The maximum GIS amount for single, divorced or widowed seniors is $1,097.75 in November 2025.

For married or common-law partners, the amount varies depending on whether both spouses receive OAS or other benefits.

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GIS Payment Amounts (2025)

These amounts are reviewed and adjusted quarterly to match inflation.

Eligibility

To qualify for both OAS and GIS:

• You must be 65 years or older
• Be a legal resident or citizen of Canada
• Lived in Canada for at least 10 years after age 18 (40+ years for full OAS)
• Have low income based on CRA thresholds
• GIS is income-tested, not contribution-based

You don’t need to have worked or contributed to receive OAS or GIS.

If you’re living outside Canada, you may still be eligible if you meet the residency and application rules.

Threshold

If your annual income exceeds $97,997 between July 2025 – June 2026, your OAS payments may be partially or fully clawed back. GIS, being for low-income seniors, starts to reduce at even lower income levels.

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It’s important to report all income changes to avoid overpayment issues.

Payment

The CRA pays OAS and GIS monthly, typically during the last week of each month. In November 2025, the direct deposit date is Tuesday, November 25.

There is no need to reapply each month. If you’re eligible and approved, payments are deposited automatically.

Application

If you’re turning 65 or think you’re eligible but haven’t applied yet, follow this process:

1. Visit My Service Canada Account (MSCA)
2. Register or log in to your account
3. Locate the OAS and GIS application options
4. Fill out the forms and submit required documents:
   • Proof of age
   • Canadian residency status
   • Proof of income
   • Bank account for direct deposit
5. Submit and track your application online

You can also apply by mail or visit a Service Canada location if you prefer offline support.

FAQs