OAS Payment Dates 2026

Old Age Security (OAS) payments are made once per month by the Government of Canada to eligible seniors aged 65 and older. Payments arrive on the third-to-last business day of each month. Knowing your exact OAS payment dates helps you plan your budget, schedule bill payments, and avoid overdraft fees.

2026 OAS Amounts: ~$700.18/month at age 65–74 | ~$770.19/month at age 75+ (10% automatic top-up) | Adjusted quarterly for CPI inflation.

2026 OAS Payment Schedule

MonthPayment DateNotes
January 2026January 29, 2026Q1 CPI adjustment
February 2026February 26, 2026Shorter month
March 2026March 27, 2026Standard
April 2026April 28, 2026Q2 CPI adjustment
May 2026May 28, 2026Standard
June 2026June 26, 2026Standard
July 2026July 29, 2026Q3 CPI adjustment
August 2026August 27, 2026Standard
September 2026September 28, 2026Q4 CPI adjustment
October 2026October 29, 2026Standard
November 2026November 26, 2026Standard
December 2026December 22, 2026Early — holiday schedule

How OAS Is Delivered

Direct deposit is the fastest and safest delivery method. To set up, log in to My Service Canada Account at canada.ca or call 1-800-277-9914. Paper cheques arrive 3–5 business days after the payment date. Always use direct deposit into a no-fee account like KOHO, Simplii, or EQ Bank to avoid fees eating into your benefit.

OAS Payment Amounts 2026

Age GroupMonthly OAS (approx.)Annual Total
65–74~$700.18~$8,402
75+~$770.19~$9,242

GIS and Allowance — Same Payment Dates

The Guaranteed Income Supplement (GIS) — up to ~$1,065/month for single seniors — is paid on the same dates as OAS. GIS is tax-free income and does not affect your net income for the OAS clawback calculation. To qualify, you must file taxes annually. See our GIS guide for full eligibility rules.

Deferring OAS — Increase Your Monthly Amount

You can delay OAS from age 65 up to age 70. Each month of deferral increases your payment by 0.6% (7.2% per year). Deferring the full 5 years to age 70 results in a 36% higher benefit — roughly $952/month vs. $700/month. This is a strong strategy if you have other income sources and expect to live past your late 70s.

OAS Clawback Threshold 2026

If your net income exceeds ~$90,997 in 2026, your OAS is reduced by 15 cents per dollar. OAS is fully clawed back at approximately $148,000 net income. Use our OAS clawback calculator to estimate your recovery tax.

What If Your OAS Payment Is Late?

If no deposit appears within 5 business days of the payment date, contact Service Canada: 1-800-277-9914 (TTY: 1-800-255-4786). Have your SIN and date of birth ready. Paper cheque delays are common in December — switch to direct deposit before November if possible.

🏦 Simple Banking for Canadian Seniors

KOHO offers free banking with no monthly fees — perfect for fixed-income seniors who want to keep more of their OAS and CPP. Easy to use on mobile or desktop.

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Related OAS and Senior Income Guides