If you’ve ever checked your bank account and noticed a deposit labeled Canada FPT, you might be wondering what it means. “FPT” stands for Federal-Provincial-Territorial, and these payments are issued by the Canada Revenue Agency (CRA) on behalf of both the federal and provincial governments. These deposits can include various tax credits, child benefits, and income supplements—all aimed at reducing the cost of living for low- and middle-income Canadians.
Understanding these benefits and their 2025 payment dates can help you plan your budget better. Here’s a full breakdown of the most common Canada FPT deposit programs, their eligibility requirements, payment amounts, and exact deposit dates.
Table of Contents
What is a Canada FPT?
A Canada FPT is a bundled payment from the CRA that includes:
- Federal benefits like the GST/HST Credit or Canada Child Benefit (CCB).
- Provincial and Territorial credits such as:
- BC Climate Action Tax Credit
- Newfoundland and Labrador Seniors Benefit
- Nova Scotia Affordable Living Tax Credit
- And many more
Each benefit has its own eligibility criteria and payment schedule. You don’t need to apply separately—eligibility is determined automatically when you file your annual income tax return.
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Federal Benefits Included in Canada FPT
1. GST/HST Credit (Quarterly Payment)
The Goods and Services Tax/Harmonized Sales Tax (GST/HST) Credit is a tax-free quarterly payment for Canadians with low or modest incomes.
Eligibility Criteria:
- Be a Canadian resident
- Be 19 years or older, or:
- Have (or had) a spouse or common-law partner
- Be (or have been) a parent living with your child
Maximum Annual Amounts for July 2024 – June 2025:
- Single individual: up to $533
- Married/common-law: up to $698
- Each child under 19: up to $184
Income Thresholds for Full Benefits:
| Family Situation | Maximum Adjusted Net Income |
|---|---|
| Individual | $54,704 |
| With 1 child | $61,504 |
| With 2 children | $65,084 |
| With 3 children | $68,664 |
| With 4 children | $72,244 |
| Couple (no kids) | $57,924 |
| Couple with 1 kid | $61,504 |
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2. Canada Child Benefit (Monthly Payment)
The Canada Child Benefit (CCB) is a monthly tax-free payment to assist families with children under 18.
Maximum Annual Amounts for 2025:
- Children under 6: up to $7,997 per child
- Children aged 6–17: up to $6,748 per child
CCB payments are automatically adjusted based on income and combined with provincial child benefits where applicable.
2025 FPT Payment Dates
GST/HST Credit & Provincial FPT Benefits (Quarterly)
These benefits are issued every 3 months:
- January 3, 2025
- April 4, 2025
- July 4, 2025
- October 3, 2025
Canada Child Benefit (Monthly)
These are issued each month:
- January 20, 2025
- February 20, 2025
- March 20, 2025
- April 17, 2025
- May 20, 2025
- June 20, 2025
- July 18, 2025
- August 20, 2025
- September 19, 2025
- October 20, 2025
- November 20, 2025
- December 12, 2025
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Provincial and Territorial Benefits Included in Canada FPT Payments
These benefits are paid quarterly alongside your GST/HST Credit.
BC Climate Action Tax Credit (Now Cancelled)
Ended April 10, 2025 due to the cancellation of federal fuel charges.
- Max: $504 (individual) + $252 (spouse or 1st child) + $126 (each additional child)
- Eligibility: Age 19+, resident of BC, under income threshold:
- $41,071 (single)
- $57,288 (families)
New Brunswick Harmonized Sales Tax Credit
- Max: $300 (individual) + $300 (spouse or 1st child in single-parent) + $100 (each child)
- Full amount if income is $35,000 or less
- Reduced by 2% of income exceeding $35,000
Newfoundland and Labrador Income Supplement
- $520 (individual)
- $589 (couple)
- $231 (per child under 19)
- Automatically paid based on adjusted net income
Newfoundland and Labrador Seniors Benefit
- For those 65+
- Full amount if income ≤ $29,402
- Partial amount if income ≤ $41,787
- Max benefit: $1,516 annually
Northwest Territories Cost of Living Offset
- Base Amounts:
- Adult: $416
- Child: $480
- Heating Zone Supplements:
| Zone | Adult | Child |
|---|---|---|
| 1 | $441 | $505 |
| 2 | $451 | $515 |
| 3 | $470 | $534 |
Nova Scotia Affordable Living Tax Credit
- $255 (individual or couple) + $60 per child
- Max income: $30,000 for full benefit
- Benefit reduced by 5% of income over $30,000
Prince Edward Island Sales Tax Credit
- $110 (individual) + $55 (spouse or dependent)
- $30,000 or less: full benefit
- $50,000+: reduced by 2% of income over threshold
Saskatchewan Low-Income Tax Credit
- $429 (adult)
- $429 (spouse/equivalent)
- $169 (per child, max $338)
- Max annual family benefit: $1,196
- Full benefit if income ≤ $38,590
Yukon Government Carbon Price Rebate (Being Phased Out)
- Formerly calculated as 36.5% of federal carbon rebate
- Final payments to be issued in 2025 following the end of the federal carbon pricing program
How Often is Canada FPT Paid?
Because “FPT” is only a label, the frequency depends on which benefit is coming through:
| Benefit type | Frequency | Typical deposit label |
|---|---|---|
| Canada Child Benefit | Monthly | Canada FPT |
| GST/HST Credit | Quarterly (January, April, July, October) | Canada FPT |
| Provincial / Territorial credits (BC, New Brunswick, Saskatchewan, etc.) | Quarterly (same days as GST/HST) | Canada FPT |
If you receive both the GST/HST Credit and a provincial credit, they arrive together on the quarterly GST/HST date as a single Canada FPT deposit.
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How Much is the Incentive Payment for Canada 2025?
Because several programs share the FPT label, the “incentive payment” depends on which benefit you receive:
| Program | Maximum 2025–26 annual amount (example) |
|---|---|
| GST/HST Credit | $533 single • $698 couple • $184 per child |
| Canada Child Benefit | $7 997 per child under 6 • $6 748 per child 6–17 |
| Ontario Sales Tax Credit (part of OTB) | $345 per adult |
| BC Climate Action Tax Credit ‑ cancelled April 10 2025 | Up to $504 adult + $252 spouse + $126 child (last paid Jan 2025) |
| Saskatchewan Low‑Income Tax Credit | Up to $1 196 per family |
Your exact deposit is calculated from your 2024 tax return, family size, and province, then split into the monthly or quarterly cheques shown above.
How to Know What You’re Getting
When you see Canada FPT on your bank statement:
- If it’s quarterly (January, April, July, October): It’s likely GST/HST and provincial credits
- If it’s monthly (CCB): It includes Canada Child Benefit and related provincial benefits
You can check the breakdown in your CRA My Account or call the CRA to verify what you received.
Final Thoughts
The Canada FPT deposit plays a vital role in helping Canadians manage living expenses through targeted federal and provincial benefits. These payments are automatic once your income tax return is filed and processed.
Stay informed of payment dates, and if you’re not receiving something you think you’re eligible for, ensure your taxes are up to date, and review your CRA account for any missed benefits.