Canadians across the country are receiving a surprise deposit of up to $680 in 2025 as part of the GST/HST Credit program. This tax-free payment is issued by the Canada Revenue Agency (CRA) and is designed to help low and modest-income individuals and families offset the goods and services tax (GST) or harmonized sales tax (HST) they pay throughout the year.
The $680 figure specifically applies to married or common-law couples who meet certain income and residency criteria.
Who Is Eligible for the $680 Deposit?
To qualify for the $680 CRA deposit, you must meet the following conditions:
- You must be a resident of Canada for tax purposes.
- You must be at least 19 years of age. If you’re younger than 19, you may still qualify if you have a child or spouse/common-law partner.
- Your adjusted family net income must fall within a specific low to moderate-income bracket.
- You must file your taxes, even if you have no income, to be automatically considered for the credit.
How the $680 Amount Is Calculated
The CRA determines the credit amount based on your family structure and income from the previous tax year. Here’s how it breaks down:
- Single individual: Up to $519
- Married or common-law partners: Up to $680
- Each child under 19: Up to $179 per child
As your income increases, the benefit gradually decreases and phases out completely once you pass the income threshold.
Payment Schedule for 2025
The GST/HST credit is distributed quarterly. For the 2025 calendar year, here are the key payment dates:
| Quarter | Payment Date |
|---|---|
| Q1 | January 3, 2025 |
| Q2 | April 4, 2025 |
| Q3 | July 4, 2025 |
| Q4 | October 3, 2025 |
If you’re enrolled in direct deposit, payments will be deposited directly into your bank account. Otherwise, you will receive a cheque by mail.
How to Receive the Payment
There is no separate application process. The only thing you need to do is:
File your income tax return – even if you have no taxable income.
Ensure your marital status, number of dependents, and address are up to date with the CRA.
Sign up for direct deposit to avoid delays.
| Category | Details |
|---|---|
| Maximum Amount (Couples) | $680 |
| Payment Type | Tax-free GST/HST Credit |
| Income Requirement | Low to moderate-income households |
| Eligibility Age | 19+ or qualifying dependents |
| Application Process | Automatic upon tax filing |
| Payment Frequency | Quarterly |
| Next Payment | January 3, 2025 |
The CRA’s $680 deposit is a welcome financial relief for many Canadians in 2025. Whether you’re single, married, or a parent, this quarterly benefit helps ease the burden of everyday expenses by putting more money back in your pocket.
Just remember to file your taxes, keep your information updated, and monitor your direct deposit or mail for the next scheduled payment. Don’t miss out on this helpful credit—you could be eligible without even knowing it!
FAQs
What if I didn’t receive the CRA $680 payment?
You must have filed your tax return and met the eligibility criteria. If you didn’t receive a payment but think you qualify, contact CRA to verify your status or update your information.
Can I get the payment if I have no income?
Yes. As long as you file a tax return and meet the eligibility criteria, you may receive the credit—even with zero income.
Is the $680 deposit taxable income?
No. The GST/HST credit is a tax-free payment and does not need to be reported as income.