November 2026 brings 2 CRA benefit payment dates for Ontario residents, starting with the first deposit on November 10 and followed by the second deposit on November 20.
Both payments arrive during the 2026–27 benefit year, which means the CRA is using your 2025 income tax return to calculate every dollar deposited this month.
Ontario is one of the few provinces where residents receive a dedicated provincial benefit bundle through the CRA on top of the national programs available to every Canadian household.
This guide covers both November payment dates, current maximum amounts, eligibility rules, and what to do if your deposit does not arrive on time.
Table of Contents
Ontario Trillium Benefit
Eligible Ontario residents receiving monthly installments will see their Ontario Trillium Benefit payment deposited on Tuesday, November 10, 2026.
The OTB is a tax-free combined payment that the CRA delivers on behalf of the Province of Ontario, bundling three separate credits into a single monthly deposit.
Recipients whose annual Ontario Trillium Benefit entitlement exceeds $500 generally receive 12 monthly payments between July 2026 and June 2027.
Those whose annual entitlement is $500 or less normally receive the full amount in a single payment in July.
Recipients entitled to more than $500 may also have elected to receive one lump-sum payment on June 10, 2027, instead of monthly payments.
Three Credits Inside the OTB
The Ontario Trillium Benefit combines the Ontario Sales Tax Credit, the Ontario Energy and Property Tax Credit, and the Northern Ontario Energy Credit.
You only need to qualify for one of these three credits to receive an OTB deposit each month.
Ontario Sales Tax Credit (OSTC)
The OSTC provides up to $378 per year for each eligible adult and each eligible child in the household.
CRA determines OSTC eligibility automatically from your tax return, and completing Form ON-BEN is not required for this specific component.
Ontario residency on the first day of the payment month is required, along with the applicable age or family-status conditions, such as being at least 19 years old, having a spouse or common-law partner, or being a parent.
The credit begins to phase out at 4% of adjusted family net income above $29,047 for single individuals.
Ontario Energy and Property Tax Credit (OEPTC)
The OEPTC provides up to $1,307 for non-senior individuals and up to $1,488 for seniors aged 65 and older who paid rent or property tax in Ontario.
Claiming the OEPTC requires completing Form ON-BEN when filing your income tax return.
Without Form ON-BEN, eligible residents will not receive the OEPTC or the Northern Ontario Energy Credit, even if they qualify based on income.
Eligibility requires Ontario residency on both December 31 of the base tax year and the beginning of the payment month.
The OEPTC phases out at 2% of adjusted family net income above $29,047 for single non-seniors and $36,309 for married non-seniors.
Northern Ontario Energy Credit (NOEC)
Residents of Northern Ontario districts can receive up to $189 for a single individual or $290 for a family through the NOEC.
Northern Ontario includes the districts of Algoma, Cochrane, Kenora, Manitoulin, Nipissing, Parry Sound, Rainy River, Sudbury, Thunder Bay, and Timiskaming.
The NOEC uses its own separate income thresholds: $50,833 for a single individual with no children and $65,356 for couples and single parents, with a 1% reduction rate.
Maximum OTB Amounts for 2026–27
| OTB Component | Maximum (Non-Senior) | Maximum (Senior 65+) |
|---|---|---|
| Ontario Sales Tax Credit | $378 per person | $378 per person |
| Ontario Energy and Property Tax Credit | $1,307 | $1,488 |
| Northern Ontario Energy Credit (single) | $189 | $189 |
| Combined Maximum (single, Northern ON) | $1,874 | $2,055 |
OTB Payment Dates Remaining in 2026
- November 10, 2026
- December 10, 2026
If your OTB payment does not arrive on the scheduled date, the CRA advises waiting 10 working days before contacting them about a missing payment.
Canada Child Benefit
Families across Ontario with children under 18 will receive their Canada Child Benefit payment on Friday, November 20, 2026.
The CCB is a tax-free monthly payment that the CRA delivers to eligible families, and it remains the single largest direct financial support available to Canadian parents.
For the 2026–27 benefit year, the CRA increased maximum CCB amounts by approximately 2% through annual inflation indexation applied every July.
Current Maximum CCB Amounts
| Child Age Group | Maximum Annual Amount | Maximum Monthly Amount |
|---|---|---|
| Under 6 years old | $8,157 | $679.75 |
| Aged 6 to 17 | $6,883 | $573.58 |
The CCB is income-tested, with maximum payments available to eligible families whose adjusted family net income is $38,237 or less.
Payments begin decreasing above that amount, with a second reduction threshold of $82,847.
The second reduction tier above $82,847 uses lower marginal percentages, which means the benefit reduces more gradually at higher income levels.
If the monthly CCB entitlement calculates to less than $20, the CRA pays the full annual amount as a lump sum rather than issuing monthly deposits.
Ontario Child Benefit Included in the Same Deposit
Ontario families may also receive the Ontario Child Benefit as part of their November 20 payment, providing up to $146.66 monthly for each eligible child under 18.
Families with adjusted family net income above $26,865 may still qualify for a reduced payment, so the benefit is not limited to households below that threshold.
The Ontario Child Benefit is a separate provincial program delivered alongside the federal CCB in a single combined deposit, so it appears as one transaction in your bank account.
Child Disability Benefit
Eligible families may also receive the Child Disability Benefit, which provides up to $290 per month for each child under 18 who qualifies for the Disability Tax Credit.
For the July 2026 to June 2027 benefit year, the maximum annual amount is $3,480 per eligible child, with reductions beginning when adjusted family net income exceeds $82,847.
The CRA automatically includes this benefit with the Canada Child Benefit payment when the relevant eligibility requirements are met.
Who Qualifies for the Canada Child Benefit
To receive the CCB in November 2026, the recipient must live with the child, be primarily responsible for their care and upbringing, and be a Canadian resident for tax purposes.
Eligible status includes Canadian citizens, permanent residents, protected persons, and individuals registered or entitled to be registered under the Indian Act.
Temporary residents must have lived in Canada for the preceding 18 months and hold a valid qualifying permit in the nineteenth month that does not state that it confers no temporary resident status.
Recipients must initially apply for the CCB through the Automated Benefits Application at birth registration, through CRA My Account, or by submitting Form RC66.
Annual tax filing allows the CRA to recalculate your entitlement each July, but it does not replace the initial application step.
Newcomers to Canada also need to submit Form RC66SCH alongside their CCB application to provide additional immigration and residency details.
CCB Payment Dates Remaining in 2026
- November 20, 2026
- December 11, 2026
If your CCB payment does not arrive, the CRA recommends waiting five working days after the scheduled date before making an inquiry.
How to Protect Your November CRA Payments
Every CRA benefit deposited this month is calculated using information from your assessed 2025 income tax return, which makes timely and accurate filing the single most important step.
You can verify your expected payment amounts and deposit status by signing into CRA My Account and navigating to the benefits and credits section.
Direct deposit remains the fastest and most reliable way to receive CRA benefit payments, with funds typically arriving on the morning of each scheduled date.
Recipients without direct deposit will receive a mailed cheque, which can take additional business days to arrive after the official payment date.
If you recently changed your banking information, the CRA advises keeping the old account open until the first payment has successfully reached the new account.
Any changes to your marital status, address, or number of children in your care should be reported to the CRA promptly, as outdated information can delay or reduce your payments.
The CRA benefits increase that took effect in July 2026 raised amounts across multiple programs, so your November deposits should already reflect the updated inflation-indexed figures.
November 2026 CRA Payment Calendar for Ontario
| Benefit | Payment Date | Maximum Amount | Frequency |
|---|---|---|---|
| Ontario Trillium Benefit | November 10, 2026 | Up to $2,055/yr (senior, Northern ON) | Monthly |
| Canada Child Benefit | November 20, 2026 | $679.75/month (under 6) | Monthly |
The November 20 CCB deposit may also include the Ontario Child Benefit and the Child Disability Benefit for qualifying families, delivered as a single combined transaction.
Ontario residents will see CRA benefit payments continue into December, with the next OTB deposit scheduled for December 10 and the final CCB payment of 2026 arriving on December 11.
The 2026–27 benefit year still has seven months of payments remaining before the CRA recalculates entitlements again in July 2027 using your 2026 tax return.
Keeping your CRA information current and filing your annual return on time is the most effective way to ensure uninterrupted CRA payments across all programs.
The complete CRA benefit payment dates for 2026–27 are published on the Government of Canada website and updated as new dates are confirmed.
Frequently Asked Questions (FAQs)
Can Ontario residents receive both the Ontario Trillium Benefit and the Canada Child Benefit in the same month?
Yes, Ontario residents can receive both payments in November 2026 because they are separate CRA-administered programs with different payment dates.
The OTB deposits on November 10 and the CCB deposits on November 20, and each benefit has its own eligibility criteria and income thresholds.
Qualifying for one does not automatically guarantee payment from the other.
The CRA calculates both using your 2025 assessed tax return, and both arrive through direct deposit or cheque independently of each other.
What should Ontario residents do if their November OTB or CCB payment does not arrive?
The CRA sets different waiting periods depending on the benefit before you should contact them.
For the Ontario Trillium Benefit, wait 10 working days after November 10 before reaching out to the CRA benefits line at 1-800-387-1193.
For the Canada Child Benefit, the CRA recommends waiting five working days after November 20.
Common reasons for missing or delayed payments include outdated banking details, an unassessed 2025 tax return, or a recent change in marital status or address that has not been reported to the CRA.
Why might my November 2026 CRA benefit payment be different from October?
Your November payment may change if the CRA has updated your eligibility following a change in marital status, child custody, family circumstances, or a reassessment of your income.
The Ontario Trillium Benefit and Canada Child Benefit are calculated using separate eligibility rules, so a change affecting one payment may not affect the other.
If your November deposit is unexpectedly higher or lower, check the benefits and credits section of CRA My Account for an updated payment calculation or notice.
Does the Ontario Child Benefit count as part of the Canada Child Benefit or is it a separate program?
The Ontario Child Benefit is a separate provincial program funded by the Province of Ontario, but the CRA delivers it inside the same monthly deposit as the federal Canada Child Benefit.
The combined amount appears as a single transaction in your bank account, which is why many recipients do not realize they are receiving two distinct benefits.
The OCB provides up to $146.66 per month for each child under 18, with maximum payments going to families whose adjusted family net income is $26,865 or less.
Families with income above that threshold may still qualify for a reduced Ontario Child Benefit payment, so the program is not limited to households below that cutoff.
Are newcomers to Ontario eligible for the November 2026 CRA payments if they arrived in Canada earlier this year?
Newcomers who became Canadian residents for tax purposes in 2026 can qualify, but they generally need to take action before payments start and should not assume immediate eligibility for every program.
For the Canada Child Benefit, newcomers must submit Form RC66 along with Form RC66SCH, and temporary residents must have lived in Canada for the preceding 18 months and hold a valid qualifying permit in the nineteenth month.
Ontario Trillium Benefit eligibility depends on the individual credit.
The Ontario Sales Tax Credit is assessed through tax filing without Form ON-BEN, while the Ontario Energy and Property Tax Credit and Northern Ontario Energy Credit require Form ON-BEN and generally require residency in the relevant part of Ontario on December 31, 2025.
Newcomers who arrived in 2026 should not assume they qualify for all three OTB credits immediately.
Fact-Checked: All payment dates, benefit amounts, and income thresholds cited in this article were verified against the official CRA benefit payment dates page, the Ontario provincial programs page, and the Canada Child Benefit overview as published on Canada.ca, with page dates current as of late October 2026.
Disclaimer: This article is for general informational purposes only and does not constitute financial, tax, or legal advice. Individual benefit amounts depend on personal circumstances including income, family size, and residency status. Readers should consult a qualified tax professional or review the official CRA benefits and credits page for guidance specific to their situation.
Something went wrong. Please refresh the page and/or try again.
You may also like: 4 New CRA Benefit Payments Coming In November 2026
Canada’s New $5,000 Payment For These Workers Opens In November 2026
New Express Entry CRS Calculator November 2026
8 New Ontario Laws And Rules Coming In November 2026