If you are living in Ontario, you may already know about the upcoming CRA OTB payout scheduled for October 10, 2025. The Ontario Trillium Benefit (OTB) is a tax-free financial benefit that helps low- and moderate-income households manage the rising costs of living.
It combines three different provincial credits into one monthly or lump-sum payment. This includes relief for energy bills, property taxes, and sales tax costs.
The October 2025 payout is part of the official benefit schedule confirmed by the Canada Revenue Agency (CRA). In this article, we explain the eligibility rules, maximum amounts, payment options, and dates so you can understand exactly what to expect.
What Is the Ontario Trillium Benefit (OTB)?
The OTB is administered by the CRA on behalf of the Ontario government. It brings together three credits into one payment:
- Ontario Energy and Property Tax Credit (OEPTC) – helps with property taxes and energy costs.
- Northern Ontario Energy Credit (NOEC) – supports residents in Northern Ontario facing high energy bills.
- Ontario Sales Tax Credit (OSTC) – offsets some of the HST (sales tax) paid on goods and services.
To qualify for the OTB, you do not need to be eligible for all three credits. Even qualifying for just one makes you eligible to receive the benefit.
For the 2025 benefit year, payments are based on your 2024 income tax return. This is why it’s important to file your taxes even if you earned little or no income.
Payment Schedule and October 2025 Payout
The OTB is designed to provide consistent support to Ontarians throughout the year. Payments follow a clear schedule.
| Detail | Information |
|---|---|
| Next payout | October 10, 2025 (or nearest business day) |
| Benefit year | July 2025 – June 2026 |
| Monthly payments | Paid on the 10th of each month |
| Single lump sum | If entitlement is $360 or less, it is paid in July 2025 |
| Optional lump sum | If entitlement is over $360, you may choose to defer and receive a single payment in June 2026 |
This means that only those who chose monthly payments and whose entitlement is greater than $360 will get the October 10, 2025 payout.
Eligibility Criteria for OTB 2025
To receive the OTB, you must meet the following conditions:
- File your 2024 income tax and benefit return by the deadline.
- Be an Ontario resident as of December 31, 2024.
- Qualify for at least one of the three credit programs (OEPTC, NOEC, or OSTC).
- Complete the ON-BEN application form included in your tax package (for OEPTC and NOEC).
- Be 18 years or older, or have a spouse/partner, or be a parent living with your child.
These rules ensure that support goes to households most in need.
Maximum Payment Amounts in 2025
The amount you receive depends on your age, income, location, and family size. Below are the maximums for each credit:
| Credit | Maximum Annual Amount | Who Qualifies |
|---|---|---|
| Ontario Energy & Property Tax Credit (OEPTC) | $1,283 (ages 18–64) $1,461 (age 65+) $285 (on-reserve / long-term care) $25 (students in residence) | Based on property taxes, rent, or energy costs |
| Northern Ontario Energy Credit (NOEC) | $185 (single) $285 (families) | Residents of Northern Ontario |
| Ontario Sales Tax Credit (OSTC) | Up to $371 per adult (plus amounts for children) | Phased out at higher income levels |
Your total OTB entitlement is the sum of all the credits for which you qualify.
Monthly vs. Lump Sum Payments
When filing your tax return, you can choose how you want to receive the OTB:
- Lump Sum Payment – If your entitlement is $360 or less, you will automatically get one payment in July 2025. If your entitlement is more than $360, you can choose to defer and receive a single payment in June 2026.
- Monthly Payments – If your entitlement is more than $360, you can choose to receive monthly payments from July 2025 to June 2026, including the October 10 payout.
If you change your mind later, you can contact CRA to switch payment options. It may take several weeks for the adjustment to take effect.
The CRA OTB payout on October 10, 2025 is part of the official payment schedule, designed to give Ontario residents steady financial relief. Whether you receive monthly payments or a lump sum, the OTB helps households with energy, sales tax, and property tax costs.
To ensure you don’t miss out, file your 2024 tax return, complete the ON-BEN form, and keep your CRA account details updated. This support can make a real difference for thousands of Ontarians facing everyday living expenses.
FAQs
Is the CRA OTB payout on October 10, 2025 guaranteed?
Yes. For those who opted for monthly payments and have entitlement over $360, the October 10 payment is confirmed.
Can I receive my OTB in a lump sum instead of monthly?
Yes. If your entitlement is over $360, you can choose a single lump sum in June 2026.
What if my OTB entitlement is $360 or less?
You will receive it as a one-time lump sum in July 2025.