$698 CRA GST/HST Credit for November 2025? Know Eligibility, Payment Date & Facts

If you’re expecting a $698 GST/HST credit payment from the Canada Revenue Agency (CRA) in November 2025, there’s something you need to know. Although the credit amount is accurate for many Canadians, no payment is scheduled for November.

The CRA issues GST/HST credits on a quarterly basis, and the most recent payment is confirmed for October 3, 2025. So technically, the “$698 CRA GST/HST Credit November 2025” refers to a payment that arrives in October, not November. Here’s everything you need to know.

Overview

The GST/HST credit is a tax-free quarterly payment from the CRA that helps lower and modest-income individuals and families offset the GST or HST they pay. For 2025, this credit is paid out in January, April, July, and October.

If you qualify, the CRA will automatically determine your eligibility and send the payments directly to your bank account or by mail, depending on your preference. No need to apply separately.

Schedule

Let’s clear up the timing confusion. While some are referring to the “$698 CRA GST/HST Credit November 2025,” the actual payment date is October 3, 2025.

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Here’s the official CRA GST/HST credit schedule for 2025:

So, there is no payment in November—the final quarter’s payment is already scheduled and processed in early October.

Eligibility

To receive the GST/HST credit, you must meet a few key requirements:

• You are 19 years of age or older, or
• You have (or had) a spouse or common-law partner, or
• You are a parent living with your child.
• You are a resident of Canada for tax purposes.
• You have filed your income tax return for the previous year.

Your eligibility and payment amount depend on your family net income and personal situation (e.g., whether you have a spouse or dependent children).

Amount

The maximum GST/HST credit amount for 2025 is $698 for eligible individuals, but the actual payment you receive may differ.

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Here’s an estimated breakdown:

Your payment may be less than $698 depending on your income. The more you earn, the smaller your credit becomes.

Application

Good news—you don’t need to apply separately. The CRA automatically considers you for the GST/HST credit once you file your annual tax return.

Here’s how to make sure you’re set:

1. File your income tax return on time—even if you didn’t earn income.
2. Keep your banking and personal details updated in your CRA My Account.
3. Check your CRA account online to see your eligibility and payment details.

This ensures you get what you’re entitled to—on time and without complications.

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Fact

Let’s bust the myth: there’s no $698 GST/HST credit arriving in November 2025. That’s because the final quarterly payment is already scheduled for October 3, 2025. The confusion may come from delays in bank processing or misunderstanding the CRA schedule. But the CRA doesn’t issue extra monthly GST/HST credits.

If you haven’t seen your payment by mid-October, log in to your CRA My Account to check your payment status.

FAQs