Canada FPT & GST Payment Dates 2025: The Complete Guide

Short answer: Canada FPT is the label the CRA uses for certain benefit deposits (Federal, Provincial and Territorial). If you’re tracking benefit deposits in 2025, the main quarterly FPT/GST dates to know are January 10, April 10, July 10, and October 10. This guide explains what those deposits mean, how payments are calculated, who gets them, and what to do if something goes wrong.

Why you see “Canada FPT” on your bank statement

When the CRA issues a benefit payment, your bank statement often shows a terse origin label. “Canada FPT” is the CRA’s shorthand for deposits that come from federal programs, provincial top-ups, or territorial payments. Because the tag is generic, people sometimes worry they’ve been overpaid, targeted by fraud, or simply forgotten what the deposit is for. In most cases it’s legitimate — but always verify via CRA My Account.

Which payments are commonly labelled FPT?

• GST/HST credit (most common)
• Climate Action Incentive Payments (in eligible provinces)
• Provincial top-ups and targeted relief payments
• Other refundable credits administered with federal coordination

Canada FPT & GST/HST: payment dates for 2025

Below are the standard quarterly deposit dates used in 2025. Note: if a date falls on a weekend or holiday, banks may post the deposit a day or two earlier or later.

How payments are calculated — a practical explanation

Most FPT deposits (like the GST/HST credit) are calculated using the information from your most recently filed tax return. The calculation typically starts with a base amount and is then adjusted for household composition and income. Below is a simplified illustration of how it works in practice.

Base amounts and adjustments (illustrative)

For 2025 example purposes (values illustrative):

• Single adult base amount: $496 per year
• Couple base amount: $650 per year
• Each child under 19: $171 additional
• Reduction: a percentage of family net income above a threshold

Example scenarios

Example 1 — Single person, $30,000 income: Likely receives the full base single amount (no reduction).

Example 2 — Family of four, $45,000 income: Receives couple base + two child supplements; reduction unlikely at this income.

Example 3 — Household income $80,000: Credit may be reduced or phased out based on the reduction rate applied to income above the threshold.

Who is eligible? (Quick checklist)

To be eligible for most FPT-labelled payments you generally must:

• Be a resident of Canada for tax purposes;
• Be at least 19 years old (unless eligible by having a spouse or children);
• File your income tax return on time — CRA uses your return to assess eligibility;
• Meet income thresholds (thresholds vary by program and household size).

Real-life edge cases and how to handle them

Newcomers to Canada

If you arrived partway through the year, your eligibility depends on residency status and how much tax information CRA has for you. File a tax return for your arrival year and declare your residency date to trigger benefits assessments.

Seniors or people on fixed income

Seniors often receive additional top-ups and provincial supplements. If you’re on a fixed income, ensure your address and marital status are current so CRA calculations include any supplementary amounts.

Self-employed people

Self-employment income is used in the same way as employment income for benefits calculation. Keep records and file on time to avoid delays.

What to do if a payment is missing, late, or incorrect

1. Log in to CRA My Account and check payment history and benefit notices.
2. Confirm your tax return was received and processed for the relevant year.
3. Check that your banking details and address are correct in CRA records.
4. If everything looks correct but the payment is missing, call the CRA Benefits line at 1-800-959-8281.

Overpayments and repayments

If CRA determines you were overpaid (for example because your income changed), they may request repayment or adjust future payments. If you disagree with an overpayment decision, you can request a formal review — keep supporting documents ready (tax slips, proof of income changes, notices).

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Expanded FAQs

Do I have to apply separately for the GST/HST credit?

No — CRA usually calculates your entitlement automatically when you file your income tax return for the previous year.

What if I moved or changed my marital status?

Notify CRA as soon as possible. Changes can affect eligibility and payment amounts. Use CRA My Account or call the benefits line to update your details.

Can a non-resident receive FPT payments?

Generally no — most of these credits are for residents for tax purposes. Non-residents should consult CRA guidance specific to residency and benefits.

Where can I verify a deposit labeled ‘Canada FPT’?

Always verify in CRA My Account first — the payment history and benefit notices section will list deposits and their program origin.

Plain-language takeaways

• Canada FPT = CRA label for benefits (GST/HST credit and related payments).
• Payments for 2025: Jan 10, Apr 10, Jul 10, Oct 10.
• To receive payments: file taxes, keep CRA info updated, use direct deposit.
• If a payment is missing, check CRA My Account and call CRA if needed.

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