CPP OAS December 22: Final Payment Before 2026 Increases

If you’re a Canadian senior or a soon-to-be retiree, you’ve likely already marked December 22 on your calendar. That’s the day when both the Canada Pension Plan and Old Age Security payments arrive — three business days early because Christmas falls on a Thursday.

CPP and OAS December payment date: December 22, 2025 ·
CPP maximum monthly payment (age 65, 2025): $1,364.60 ·
OAS maximum monthly payment (65–74, Q4 2025): $727.67 ·
2026 estimated indexation: 2.8%–3.2% ·
Next payment after Dec 22, 2025: January 29, 2026

Below is a quick reference for the December 22 payment and 2026 outlook.

What day in December will CPP get deposited?

CPP and OAS for December 2025 are both deposited on Monday, December 22, 2025 — three days before Christmas. The early date is standard for months where the regular payment day (the third-to-last business day) would fall on or after a statutory holiday. As reported by Economic Times (Indian financial newspaper), this adjustment ensures seniors receive their funds before bank closures on December 25.

Why is the December CPP deposit on December 22?

Service Canada schedules CPP and OAS payments on the third-to-last business day of each month. In December 2025, that calculation lands on December 22 because Christmas (December 25) and Boxing Day (December 26) are both statutory holidays. Service Canada (government benefit agency) confirms that when a payment date falls on a weekend or holiday, the deposit moves to the last business day before.

What is the next CPP payment date after December?

The first CPP and OAS payment of 2026 is scheduled for Thursday, January 29, 2026. This returns to the regular end-of-month timing. The gap between December 22 and January 29 is about five weeks — longer than usual because of the December early payout.

CPP Payment Dates 2026: Canada Pension Plan Payment Schedule

Twelve monthly payments, one pattern: both CPP and OAS share identical dates throughout 2026, with December pushed forward again for the holiday.

The complete 2026 schedule, as published by iCash (Canadian financial platform) and confirmed on Service Canada’s official page, is:

• January 29
• February 26
• March 27
• April 28
• May 28
• June 26
• July 29
• August 27
• September 25
• October 28
• November 26
• December 22

The implication: December 22, 2026 will again be an early deposit. This recurrence helps seniors budget for holiday spending, but also means the gap to the next payment (January 28, 2027) is longer than average.

How much will CPP and OAS increase in 2026 in Canada?

Both CPP and OAS are updated annually based on the Consumer Price Index (CPI). For 2026, the estimated indexation is 2.8% to 3.2%, according to Economic Times analysis. The exact percentage will be confirmed in late 2025 when Statistics Canada releases the final CPI data.

What is the expected CPP increase percentage for 2026?

The CPP enhancement (often called CPP2) and the base CPP both adjust with inflation. If inflation holds near 2.8–3.2%, a retiree receiving the maximum CPP at age 65 ($1,364.60 in 2025) would see a monthly increase of roughly $38 to $44 in 2026. The additional CPP enhancement maximum of $136.46 (2025) would also rise proportionally.

What is the OAS increase amount in April 2026?

OAS payments are adjusted quarterly in January, April, July, and October. The April 2026 increase is expected to raise the maximum monthly OAS for ages 65–74 from $727.67 (Q4 2025) to approximately $743, based on the same annual indexation rate. Service Canada (official OAS page) notes that quarterly adjustments reflect the latest CPI data.

The implication is clear: these estimates provide a reasonable target, but retirees should wait for official announcements from Service Canada.

Who is eligible for the $2200 payment in Canada 2026?

There is no confirmed $2,200 federal payment for 2026 as of this writing. Claims circulating on social media about a universal $2,200 cash bonus are unverified. Service Canada (official contact page) directs citizens to check ongoing benefits only through official channels such as My Service Canada Account.

Is the $2200 payment real or a scam?

According to Economic Times, the rumoured $2,200 payment does not appear in any federal budget or benefit announcement. While the Canadian government has issued one-time top-ups in the past (such as the 2023 grocery rebate), no such program has been approved for 2026.

What are the eligibility criteria for the $2200 payment?

No official eligibility criteria exist because the payment has not been announced. The safest approach: ignore unverified claims and rely on Canada.ca/benefits for any new benefit news.

“The next payment date for Canada Pension Plan and Old Age Security benefits is December 22.”

— Service Canada (via Canada.ca payment calendar)

“Canadians will receive their final Canada Pension Plan and Old Age Security payments of 2025 on December 22.”

— Economic Times (Indian financial newspaper)

“OAS payment dates for 2026 include … December 22.”

— KOHO (financial learning platform)

For Canadian seniors, the December 22 payment is a prompt to plan ahead: use this final payout at 2025 rates to budget for the new year’s adjusted amounts. With indexation on the horizon, checking your My Service Canada Account ensures you’re not caught off guard by changes. The choice is clear: stay informed through official channels, or risk missing the full benefits you’re entitled to.