If you live in Ontario and filed your 2024 tax return, you may be eligible for the $360 Ontario Trillium Benefit (OTB) payment in November 2025. This monthly support is part of a provincial initiative aimed at helping low- and moderate-income households cover costs like energy bills, rent, and property taxes.
The OTB is a tax-free monthly benefit administered by the Canada Revenue Agency (CRA) on behalf of the Ontario government. Whether you rent or own, this credit could put a little extra cash in your account every month. Here’s a full guide to who qualifies, when it’s paid, and how it works.
Table of Contents
Overview
The Ontario Trillium Benefit combines three provincial tax credits into one monthly payment:
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC)
- Ontario Sales Tax Credit (OSTC)
Here’s a quick snapshot of the OTB:
| Benefit Name | Ontario Trillium Benefit (OTB) |
|---|---|
| November Payment Date | November 10, 2025 |
| Payment Mode | Direct Deposit or Cheque |
| Monthly Amount (Example) | Up to $360 (varies by household) |
| Eligibility Year | Based on 2024 income tax return |
| Administered By | Canada Revenue Agency (CRA) |
| Province | Ontario |
| Official Website | ontario.ca |
Eligibility
To receive the November 2025 OTB payment, you must meet the following requirements:
- Be a resident of Ontario on December 31, 2024
- File a 2024 income tax return, even if you had no income
- Submit the ON-BEN Application Form, included in your tax return
- Your spouse or common-law partner must also file their tax return
- You must qualify for one or more of the following credits:
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC)
- Ontario Sales Tax Credit (OSTC)
November Payment
If you’ve chosen the monthly option, your November OTB payment will be deposited on Monday, November 10, 2025.
This deposit will appear as “Canada PRO Deposit” in your bank account. If you receive cheques instead, allow up to 10 business days for delivery.
The amount you receive depends on:
- Your age (over or under 65)
- Your income
- Your family situation (single, married, with kids)
- Whether you rent or own
- How much property tax or energy expenses you paid
Monthly vs. Lump-Sum Option
When applying for OTB, you can choose how you want to receive the payment:
Monthly Option (Default)
| Period | July 2025 – June 2026 |
|---|---|
| Payment Frequency | Monthly on the 10th |
| Pros | Helps with regular budgeting |
Lump-Sum Option
| Lump-Sum Date | July 2025 |
|---|---|
| Payment Type | Full year’s benefit at once |
| Best For | Those needing funds for large expenses (e.g. tuition or taxes) |
If you didn’t choose the lump sum during your tax filing, monthly payments will be made by default.
How to Apply
There is no separate application form for OTB outside of your tax return. Here’s what to do:
- File your 2024 income tax return before the deadline
- Complete and include the ON-BEN Application Form
- Indicate your preference for monthly or lump-sum payment
- Ensure your banking details are updated on your CRA My Account
What $360 Means
Not everyone gets exactly $360. Some may receive more or less, depending on their personal and financial circumstances. This figure is often used as an example for those who qualify for all three components of the benefit.
Fact Check
With inflation still affecting daily life in Ontario, OTB remains a reliable form of monthly assistance for eligible households. While $360 may not cover major bills, it can go toward groceries, energy costs, or other necessities.
The CRA does not issue these payments under the name “OTB” in your account—look for “Canada PRO Deposit” on your bank statement.
FAQs
When is the OTB November payment date?
The payment is scheduled for November 10, 2025.
How do I qualify for the OTB?
Be an Ontario resident and file a 2024 tax return with ON-BEN.
What is ‘Canada PRO Deposit’?
It’s how CRA labels OTB payments in your bank account.
Can I get a lump-sum payment instead?
Yes, if you choose that option during tax filing.
How much will I get from OTB in November?
It varies; some receive up to $360 depending on eligibility.
