Ever heard someone mention the $1860 OAS payment and wondered if it’s real or if you’re missing out? You’re not alone. With so many updates, increases, and inflation adjustments, it’s easy to get confused. This guide walks you through what’s true, what’s changed, and how to check if you qualify for enhanced Old Age Security (OAS) payments in July 2025.
What Is the $1860 OAS Payment in July 2025?
There’s a lot of talk online about a $1,860 OAS benefit, but here’s the truth: this amount likely refers to the combined value of Old Age Security (OAS) + Guaranteed Income Supplement (GIS) + possible Allowances. It’s not a flat payment that every senior receives.
Here’s the real picture:
- OAS payments increase based on age (especially for those 75+)
- GIS and Allowances depend on your income, marital status, and living situation
- The maximum total someone could receive in monthly support can approach $1,860, but this is based on multiple programs added together—not just OAS.
So, yes—you can receive up to $1,860, but it depends on your situation.
Eligibility Criteria: Who May Receive Higher OAS Payments?
To receive OAS payments—and possibly qualify for the higher amount in July 2025—you’ll need to meet these core criteria:
| Requirement | Details |
|---|---|
| Age | Must be 65 or older (extra boost after age 75) |
| Residency | Must be a legal Canadian resident or citizen |
| Time in Canada | At least 10 years of residence after age 18 |
| Income | GIS top-ups depend on reported income (under set limits) |
| Employment | You don’t need to be currently employed, but work history may affect CPP—not OAS |
If you’re already receiving OAS, you don’t need to reapply for the increase—it adjusts automatically based on your age and inflation.
July 2025 OAS Deposit Date
For most seniors, OAS and GIS payments arrive on the last weekday of the month. So for July 2025, the likely payment date is:
Wednesday, July 30, 2025
Always double-check via your My Service Canada Account (MSCA) to confirm your deposit schedule or any delays.
How to Apply (Or Check If You’re Enrolled)
Already turning 65 this year? Here’s how to make sure you’re set up for the payments:
- Visit the official site: canada.ca
- Search for “Old Age Security (OAS)”
- Log in or create your My Service Canada Account
- Confirm your personal details and direct deposit setup
- If needed, download the OAS application form, fill it out, and mail it
- You’ll get a letter confirming your approval—or a request for more information
If you’re already enrolled and turn 75 this year, the automatic 10% increase will reflect starting with the July 2025 payment.
What Are the 2025 OAS Payment Rates?
Here’s a look at official monthly benefit rates as of 2025:
| Type of Benefit | Monthly Maximum | Notes |
|---|---|---|
| OAS (Age 65–74) | $734.95 | Base pension |
| OAS (Age 75+) | $808.45 | Includes 10% age-based increase |
| GIS (Single) | $1,097.75 | For low-income seniors |
| Allowance for Spouse/Partner | $660.78–$1,097.75 | Varies by income and OAS status |
| Allowance (Survivor) | $1,663.81 | For widowed low-income individuals |
These numbers are adjusted quarterly based on the Consumer Price Index (CPI)—so your amount may increase slightly even without a new announcement.
Why Some Are Seeing $1,860
If your OAS + GIS + Survivor/Allowance benefits are all added up—and your income is low—you could see a monthly total approaching $1,860.
This is not a “one-time bonus” or guaranteed payment to everyone. It’s a combination that only applies to certain situations like:
- Seniors aged 75+
- Living alone
- Low or no income
- Eligible for multiple programs (OAS, GIS, Allowance)
Quick Fact Check: Is $1,860 OAS Real?
| Claim | Status | Explanation |
|---|---|---|
| Everyone gets $1,860 in July 2025 | False | Only possible for some seniors with full GIS & Allowance |
| July 2025 brings a payment increase | True | OAS is going up 1% starting July 2025 |
| You need to reapply to get the boost | False | It’s automatic if you’re already enrolled |
| OAS rates increase with inflation | True | Adjusted quarterly via CPI |
Common Questions About OAS July 2025
Q: Do I need to apply again to get the July 2025 increase?
No, increases are automatic if you’re already receiving OAS.
Q: What if I’m turning 75 in July 2025?
You’ll get the higher OAS amount starting the month after your 75th birthday.
Q: Can I get OAS while living outside Canada?
Possibly, if you lived in Canada for at least 20 years after turning 18.
Q: How do I update my banking info?
Log into your My Service Canada Account and update your direct deposit details.
