Updated: April 2025  |  bremo.io financial guides

CRA My Account Canada 2025

CRA My Account is the Canada Revenue Agency's secure online portal that gives you 24/7 access to your personal tax information. From checking your RRSP contribution room to updating your direct deposit details or filing a tax return adjustment, My Account is the most efficient way to manage your taxes without calling the CRA directly.

How to Register for CRA My Account

There are two ways to register:

Option 1: Sign in with a partner (banks)

If you have online banking with one of the participating financial institutions (RBC, TD, Scotiabank, BMO, CIBC, Desjardins, and others), you can sign into My Account directly using your existing banking credentials. No separate registration is required.

Option 2: Register directly with CRA

1. Go to the CRA website and choose "Register"
2. Provide your SIN, date of birth, and information from your most recent tax return or Notice of Assessment
3. The CRA mails a security code to your registered address (takes 5–10 days)
4. Enter the security code online to activate full access

What You Can Do in CRA My Account

View Tax Information

• View your Notice of Assessment and Reassessment
• Access all your tax slips filed by employers, banks, and other payers (T4, T3, T5, etc.)
• View your RRSP contribution room and unused amounts
• Check your TFSA contribution room and transaction history
• View your carryforward amounts (capital losses, RRSP room, donation amounts)
• Check your Home Buyers' Plan or Lifelong Learning Plan repayment amounts

Manage Your Account

• Set up or update direct deposit for tax refunds and benefit payments
• Update your address and personal information
• Register for or update pre-authorized debit for balance payments
• Sign up for email notifications
• Authorize a representative (accountant) to access your account

File and Manage Returns

• Use ReFILE to submit adjustments to your tax return (T1-ADJ)
• File an objection to a Notice of Assessment
• Submit documents and correspondence to the CRA securely
• Track the status of your current return and refund

Benefits and Credits

• Apply for the Canada Child Benefit
• View GST/HST credit payment amounts and dates
• View Canada Carbon Rebate payment history

MyCRA Mobile App

The MyCRA mobile app (available for iOS and Android) provides a subset of My Account features optimized for mobile. You can check your refund status, view benefit payment dates, see your RRSP room, and update your address from your phone. It uses the same secure login as the full My Account portal.

Security Tips for My Account

• Enable multi-factor authentication (MFA) on your My Account for additional security
• Never share your CRA login credentials with anyone except authorized representatives
• Be alert to CRA-impersonation scams — the CRA will never call demanding immediate payment by gift card or cryptocurrency
• Review your account periodically to check for unauthorized changes to your direct deposit banking information

Checking Your Tax Refund Status

After filing your return electronically, the typical processing time is 2 weeks. You can check your refund status through My Account under "Tax Returns" or use the automated phone service at 1-800-959-1956. Status options include: received, assessed, and refund sent. Once your direct deposit refund is sent, it typically arrives in 1–3 business days.