Ontario CRA November 2026 Benefit Payments on Nov 10 and Nov 20
The Canada Revenue Agency will deposit two benefit payments for Ontario residents in November 2026 – the first on November 10 and the second on November 20. These payments cover the Ontario Trillium Benefit, Canada Child Benefit and related provincial credits for the 2026‑27 benefit year.
In this story
At a glance
- What changes
- Two CRA benefit deposits are scheduled for Ontario residents in November 2026
- Timing
- First deposit on November 10, second deposit on November 20
- Who is affected
- Ontario residents eligible for OTB, CCB and related provincial credits
The details
- Announced by
- Canada Revenue Agency
- Takes effect
- November 10, 2026 and November 20, 2026
- New rule
- The CRA will make two separate benefit deposits for Ontario residents in November 2026 – an Ontario Trillium Benefit payment on November 10 and a Canada Child Benefit (including Ontario Child Benefit and Child Disability Benefit where applicable) on November 20.
Payment Schedule
The CRA has published a November 2026 payment calendar for Ontario. The first deposit, covering the Ontario Trillium Benefit (OTB), will be made on Tuesday, November 10, 2026. The second deposit, which includes the Canada Child Benefit (CCB) and any accompanying provincial child benefits, will be made on Friday, November 20, 2026.
- OTB deposits arrive on November 10, 2026
- CCB, Ontario Child Benefit and Child Disability Benefit arrive on November 20, 2026
Ontario Trillium Benefit Details
The OTB is a tax‑free combined payment that bundles the Ontario Sales Tax Credit, the Ontario Energy and Property Tax Credit, and the Northern Ontario Energy Credit. Recipients must qualify for at least one of these three credits. Eligibility is determined automatically from the 2025 income tax return; no Form ON‑BEN is required for the sales tax component.
Residents must be Ontario residents on the first day of the payment month and meet age or family‑status conditions such as being at least 19, having a spouse or common‑law partner, or being a parent. The credit phases out at 4 % of adjusted family net income above $29,047 for single individuals.
- Eligibility requires Ontario residency on the first day of November
- Phase‑out begins at 4 % of income above $29,047 for singles
Canada Child Benefit and Related Provincial Benefits
The CCB is a tax‑free monthly payment for eligible families. For the 2026‑27 benefit year the CRA increased maximum amounts by roughly 2 % through inflation indexing. The benefit is income‑tested, with full payments for families whose adjusted family net income is $38,237 or less and reductions beginning above that level.
The Ontario Child Benefit (OCB) is delivered together with the CCB in the same deposit, providing up to $146.66 per month per child under 18. Families with adjusted family net income above $26,865 may still receive a reduced OCB payment. The Child Disability Benefit, up to $290 per month per eligible child, is also included when criteria are met.
- Full CCB available to families earning $38,237 or less
- OCB and Child Disability Benefit are combined with the CCB on November 20
Missing Payments Guidance
If an OTB deposit does not arrive on November 10, the CRA advises waiting ten working days before contacting the benefits line. For a missing CCB‑related deposit on November 20, the recommended waiting period is five working days. Common reasons for delays include outdated banking information, an unassessed 2025 tax return, or recent changes to marital status or address that have not been reported.
Recipients without direct deposit will receive a mailed cheque, which may take additional business days after the official payment date.
- Wait 10 working days after November 10 before calling about OTB
- Wait 5 working days after November 20 before calling about CCB
What this means for travellers
Trip planning
- Travelers with booked trips in November should note that any CRA benefit deposits will arrive on the scheduled dates regardless of travel plans.
- If a traveler changes banking details while abroad, they should keep the old account open until the November 10 or 20 deposit clears.
Cost and documents
- No new fees are introduced for receiving the November 2026 payments.
- Form ON‑BEN is still required for the Ontario Energy and Property Tax Credit and Northern Ontario Energy Credit; without it those components will not be paid.
What you need to do
- Ontario residents eligible for OTB must ensure they are still resident on November 1 and meet age or family‑status criteria.
- Families receiving CCB should verify that their adjusted family net income and child information are up‑to‑date in CRA My Account before November 20.
- Anyone who recently changed banking information should confirm the new direct‑deposit details in CRA My Account before the payment dates.
Who this affects
-
Ontario Trillium Benefit recipients
They receive a monthly OTB deposit that is scheduled for November 10, 2026.
What to do Confirm Ontario residency on the first day of November and maintain current banking details.
-
Ontario families receiving Canada Child Benefit
They are scheduled to receive the CCB, Ontario Child Benefit and Child Disability Benefit on November 20, 2026.
What to do Ensure eligibility information and income details are current in CRA My Account.
-
Northern Ontario Energy Credit applicants
The NOEC is part of the OTB bundle and will be paid on November 10, 2026 if eligible.
What to do Submit Form ON‑BEN with the tax return to qualify for the NOEC component.
-
Newcomers applying for CCB
Temporary residents and new permanent residents must meet specific residency and permit criteria to receive the November CCB payment.
What to do Submit Form RC66 (and RC66SCH for newcomers) and meet the 18‑month residency requirement.
-
Recipients without direct deposit
They will receive a mailed cheque for the November payments, which may arrive later than the official date.
What to do Allow extra time for cheque delivery and consider enrolling in direct deposit for future payments.
Frequently asked questions
When will Ontario residents receive CRA benefit payments in November 2026?
Ontario residents will receive the Ontario Trillium Benefit on November 10, 2026 and the Canada Child Benefit (including Ontario Child Benefit and Child Disability Benefit where applicable) on November 20, 2026.
Do I need to fill out Form ON‑BEN to get the Ontario Trillium Benefit in November?
Form ON‑BEN is required for the Ontario Energy and Property Tax Credit and the Northern Ontario Energy Credit; without it those components of the OTB will not be paid, but the Ontario Sales Tax Credit does not require the form.
What should I do if my November 10 OTB payment does not arrive?
The CRA advises waiting ten working days after the scheduled November 10 deposit before contacting the benefits line at 1‑800‑387‑1193 to inquire about a missing Ontario Trillium Benefit payment.
How is the Canada Child Benefit calculated for November 2026?
The CCB for November 2026 is calculated using information from the assessed 2025 income tax return, with full payments for families earning $38,237 or less and reductions beginning above that income level.
Can temporary residents receive the November 2026 CCB payment?
Temporary residents may receive the CCB if they have lived in Canada for the preceding 18 months and hold a valid qualifying permit in the nineteenth month that does not state they have no temporary resident status.
Will the Ontario Child Benefit be paid together with the Canada Child Benefit?
Yes, the Ontario Child Benefit is a separate provincial program but the CRA delivers it inside the same monthly deposit as the Canada Child Benefit, so both appear as a single transaction on November 20, 2026.
