$928 Direct Deposit for Low-Income Canadians: The $928 direct deposit for low-income Canadians is a hot topic, especially among those seeking financial stability amid rising living costs. This article explains everything you need to know about this payment—from what it is, who qualifies, how to receive it, and what other support programs you might be eligible for.
Whether you’re a senior, a working parent, or someone navigating a low income, this guide will help you understand the benefits available to you and how to maximize them.
$928 Direct Deposit for Low-Income Canadians
| Aspect | Details |
|---|---|
| Payment Amount | $928 |
| Eligibility | Low-income individuals and families; eligibility based on province of residence and timely tax filing. |
| Payment Date | April 22, 2025 |
| Application Process | No separate application needed; eligibility assessed through your 2024 tax return. |
| Related Programs | Canada Carbon Rebate (CCR), GST/HST Credit, Canada Child Benefit (CCB), Canada Workers Benefit (CWB), Old Age Security (OAS), Guaranteed Income Supplement (GIS) |
| Payment Frequency | Quarterly (CCR), Monthly (CCB, OAS), Quarterly (GST), Periodic (CWB) |
The $928 direct deposit represents real, meaningful support for Canadians struggling with rising living costs. Whether you’re a single parent, senior, or low-income worker, there are government programs in place to help you.
Make sure to file your taxes, update your personal information, and register for direct deposit to ensure you receive every benefit you’re entitled to.
What Is the $928 Payment?
The $928 direct deposit is part of a broader government initiative to support low-income individuals and families. This amount most commonly refers to the Canada Carbon Rebate (CCR)—a quarterly payment meant to offset rising energy and fuel costs caused by the federal carbon pricing system.
It is not a one-time payment. If you qualify, you may receive similar amounts every quarter depending on your family size and province.
What Is the Canada Carbon Rebate (CCR)?
The Canada Carbon Rebate (formerly the Climate Action Incentive) is a tax-free payment designed to return proceeds collected from carbon pricing to households. The rebate is higher for individuals in rural areas and varies by province due to differing fuel costs and climate conditions.
Who Is Eligible?
You may be eligible for the CCR if you:
- Live in Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Nova Scotia, Newfoundland and Labrador, or Prince Edward Island.
- Are 19 years of age or older.
- Have filed your income tax and benefit return for the previous year.
- Are a Canadian resident for income tax purposes.
You do not need to apply separately. If you’re eligible, you’ll automatically receive the payment by direct deposit or cheque.
CCR Payment Dates (2025)
- January 15, 2025
- April 22, 2025
- July 15, 2025
- October 15, 2025
Other Payments You May Qualify For
The CCR is just one piece of the puzzle. Here are some other key federal support programs for low-income Canadians:
1. Canada Child Benefit (CCB)
- A tax-free monthly payment for families raising children under 18.
- Payment is based on income and number of children.
- Paid monthly, typically on the 20th of each month.
- Also includes additional benefits like child disability amounts.
2. GST/HST Credit
- A quarterly payment to offset the GST/HST you pay on everyday goods and services.
- Automatically calculated when you file your taxes.
- Paid four times per year: January, April, July, and October.
3. Canada Workers Benefit (CWB)
- A refundable tax credit for low-income workers.
- Offers a basic amount and a disability supplement if eligible.
- Advance payments issued three times a year.
4. Old Age Security (OAS) & Guaranteed Income Supplement (GIS)
- OAS is a monthly pension for Canadians aged 65 and older.
- GIS provides additional income to low-income seniors.
- Both are non-taxable and paid monthly.
How to Make Sure You Get Your Payment
To ensure you receive the $928 (and any other benefit you qualify for), follow these simple steps:
1. File Your Taxes on Time
Even if you didn’t earn income, file your taxes every year. This is how the government determines your eligibility for benefits.
2. Sign Up for Direct Deposit
Direct deposit ensures you get your money faster and securely. You can register through your CRA online account or your bank.
3. Keep Your Info Updated
Report any changes in address, marital status, or number of dependents as soon as they happen. These factors can affect your payment.
How the $928 Might Be Calculated
The $928 total might include:
- Base amount for individual: approx. $500–$600 (varies by province)
- Additional amount for spouse/common-law partner: ~$250
- Per child supplement: ~$150 per child
- Rural supplement (if applicable): 10% bonus
This means a family of four in a rural area could receive $928 or more each quarter.
Real-World Example
Let’s say Sarah, a single mother of two living in rural Manitoba, files her taxes before April 2, 2025.
She receives:
- $528 as a base CCR amount
- $150 per child = $300
- Rural supplement = $100
Total: $928 deposited into her account on April 22, 2025.
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FAQs about $928 Direct Deposit for Low-Income Canadians
Q: Is the $928 a one-time payment?
A: No, it’s a quarterly payment as part of the Canada Carbon Rebate, depending on eligibility.
Q: Do I need to apply for this?
A: No. Just file your taxes—CRA will handle the rest.
Q: What if I didn’t receive the payment?
A: Wait 10 business days after the payment date. If it still hasn’t arrived, contact the CRA.
Q: Are these payments taxable?
A: No. Payments like CCR, GST/HST Credit, and CCB are tax-free.
Q: Can seniors receive this benefit?
A: Yes, if they meet the eligibility criteria and file taxes on time.
