If you’re a low- or modest-income Canadian, the GST/HST credit could be a key source of relief — and a new installment is arriving soon. The Canada Revenue Agency (CRA) has confirmed that the July 2025 GST/HST credit payment, valued at up to \$179 for individuals, will be issued on July 5, 2025.
Whether you’re single, part of a family, or newly eligible, here’s a full breakdown of how the credit works, who qualifies, how much you’ll receive, and what steps you need to take to ensure your payment arrives on time.
What Is the GST/HST Credit?
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) credit is a tax-free quarterly payment from the federal government, designed to help lower-income individuals and families offset the impact of sales taxes on everyday purchases.
This credit is automatically calculated by the CRA based on your most recent income tax return. No separate application is required — simply file your taxes, and if you meet the income thresholds, you’ll receive the payment.
Payment Details for July 2025
The CRA has scheduled the next GST/HST credit payment for July 5, 2025. This installment applies to eligible individuals and families across Canada and will be delivered via direct deposit or mailed cheque, depending on your payment method with CRA.
To ensure you receive your funds:
- File your 2024 tax return, even if you had no income
- Update your address and banking details with CRA
- Check your payment history through CRA My Account
If you don’t receive your payment by mid-July, your first step should be to verify your account information and tax filing status.
Who Is Eligible for the GST/HST Credit?
To qualify for the July 2025 GST/HST credit, you must meet the following conditions:
- Be 19 or older by July 1, 2025
- Be a Canadian resident for tax purposes
- Have filed your 2024 income tax return
- Meet the CRA’s adjusted family net income thresholds
The CRA assesses eligibility either as an individual (if you’re single) or as a family unit (if you’re married/common-law or have children). Newcomers to Canada may also qualify after meeting the necessary tax and residency requirements.
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How Much Will You Receive?
While the CRA adjusts payment amounts annually for inflation, here are the approximate GST/HST credit amounts expected in 2025:
| Household Type | Annual Total | Quarterly Payment (Approx.) |
|---|---|---|
| Single adult | \$179 | \$44.75 |
| Married/Common-law couple | \$379 | \$94.75 |
| With one child (extra) | +\$179 | +\$44.75 |
| Each additional child | +\$179 | +\$44.75 |
The actual payment may vary based on your adjusted net income and family size. Households with lower incomes will receive higher amounts, while moderate earners may receive partial or no payment.
Missed or Delayed Payments?
If your GST/HST credit hasn’t arrived by mid-July, take the following steps:
- Log in to CRA My Account to verify your eligibility
- Confirm that your 2024 tax return was filed and processed
- Check that your bank account or mailing address is correct
- If more than 10 business days have passed since July 5 and no payment is received, contact CRA directly
Stay alert for scams — the CRA does not contact users by text or email requesting personal or banking information.
The GST/HST Credit and Other Benefits
The GST/HST credit is part of Canada’s broader suite of income-tested federal benefits, which also includes:
- Canada Child Benefit (CCB)
- Climate Action Incentive (CAI)
- Old Age Security (OAS)
- Canada Workers Benefit (CWB)
If your income, family situation, or residency status changes, be sure to update your CRA information. This ensures you receive all benefits you are eligible for — and avoids interruptions in payment.
Why the GST/HST Credit Matters
For millions of Canadians, especially those on tight budgets, the GST/HST credit provides valuable financial support. It helps cover essentials like:
- Groceries
- Utility bills
- School supplies
- Transportation costs
The July 2025 installment of up to \$179 is especially important as families face continued pressure from rising living costs and inflation. While the credit may seem modest, it often bridges the gap in tough financial periods.
