The CRA Direct Deposit system in 2025 continues to make it easier than ever for Canadians to receive their government payments directly into their bank accounts. Whether you’re expecting your tax refund, child benefits, pension payments, or employment insurance, enrolling in direct deposit can help you get your money faster, safer, and without the risk of lost or delayed cheques.
Let’s explore how you can register, what payments qualify, and what information you need to get started.
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Why Use CRA Direct Deposit in 2025?
Gone are the days of waiting for cheques in the mail. With CRA Direct Deposit, funds are transferred electronically on the scheduled payment date, ensuring quick access and greater peace of mind.
Key Benefits of CRA Direct Deposit:
- Eliminates the risk of lost or stolen cheques
- No delays from postal services or holidays
- Safe, secure, and free to use
- Supports multiple types of government payments
- Offers multiple ways to enrol – online, phone, mail, or in person
What Payments Can Be Received Through CRA Direct Deposit?
The Direct Deposit system supports a wide range of federal government payments. Once set up, these funds are deposited directly into your bank account:
Common Payments Eligible for Direct Deposit:
- Income tax refunds
- Canada Child Benefit (CCB)
- GST/HST credit
- Old Age Security (OAS)
- Guaranteed Income Supplement (GIS)
- Employment Insurance (EI) benefits
- Canada Pension Plan (CPP) & CPP Disability
- Canada Workers Benefit (CWB)
- Student loans and grants
- Federal public service pay and pensions
- Canada Disability Benefit
- Government annuities
How to Enrol in CRA Direct Deposit in 2025
The enrolment process varies depending on the type of payment you’re receiving. Here’s a breakdown of how to register for each type.
For CRA Payments (Tax Refunds, GST/HST, CCB)
- Online: Through your CRA My Account or online banking platform
- In Person: At your bank or credit union
- By Mail: Submit the Canada Direct Deposit Enrolment Form to the appropriate address listed on the form
For Canada Disability Benefit
- Phone: Call 1-833-486-3007
- Teletypewriter (TTY): 1-833-467-2700
- Service Request: Fill out the eServiceCanada Service Request Form; a representative will contact you within 2 business days
- By Mail or In Person: Submit or drop off the Direct Deposit form at a Service Canada office
For CPP, CPP Disability & OAS Benefits
- Phone: 1-800-277-9914
- TTY: 1-800-255-4786
- Service Request: Use the eServiceCanada Service Request Form for a callback
- By Mail or In Person: Mail or deliver the completed Canada Direct Deposit Enrolment Form to Service Canada
For Employment Insurance (EI) Benefits
- Phone: 1-800-206-7218
- TTY: 1-800-529-3742
- Service Request: Submit the eServiceCanada Service Request Form for a callback
- In Person: Visit a local Service Canada Centre
What You Need to Set Up CRA Direct Deposit
Before starting the enrolment process, be sure to have the following information available:
Required Details:
- Social Insurance Number (SIN)
- Full name of your bank or financial institution
- Branch (transit) number
- Bank account number
- Type of government payment you’re enrolling for
Having this information ready will speed up the process and reduce the chance of errors.
Important 2025 Updates Related to Government Payments
CPP Changes in September 2025
In September 2025, updates to CPP payment amounts and eligibility rules have been introduced. Make sure to review the updated CPP payment schedule and eligibility criteria to understand how they might impact your benefits.
OAS Pension Increase in October 2025
The Old Age Security (OAS) pension is expected to increase in October 2025. This may affect the monthly amount you receive, and the adjustment will reflect automatically if you are enrolled via direct deposit.
Final Thoughts Why You Should Sign Up Today
Setting up CRA Direct Deposit in 2025 is one of the easiest ways to ensure your government payments arrive on time, every time. It’s secure, efficient, and fully supported across multiple payment types.
Whether you’re a student, retiree, new parent, or someone receiving disability or EI benefits, enrolling in direct deposit ensures your money goes exactly where it needs to your bank account.