Overview of the April 2025 CPP $1,364 Deposit
The Canada Pension Plan (CPP) is a critical financial support system for retired and eligible Canadians. In April 2025, qualified beneficiaries are set to receive a CPP deposit of $1,364, providing relief amid increasing living costs. This initiative by the Canadian government ensures continued support to those who have contributed to the CPP during their working years.
This article breaks down the eligibility requirements, payment schedules, methods of deposit, and how to ensure your CPP benefits are maximized. With detailed tables, FAQs, and expert tips, we help you determine if you’re set to receive the $1,364 deposit this April.
Who Qualifies for the $1,364 CPP Deposit in April 2025?
To receive the April 2025 CPP deposit, recipients must meet several eligibility conditions. This includes age, contribution history, and current status with Service Canada.
| Eligibility Criteria | Description |
|---|---|
| Age Requirement | Must be at least 60 years of age |
| Contribution History | Minimum 1 valid contribution to CPP |
| Status | Must be approved for monthly CPP pension payments |
| Residency | Must be residing in Canada or a country with CPP agreement |
| Bank Account | Must have direct deposit set up with Service Canada |
When Will the $1,364 CPP Payment Be Issued?
The scheduled payment date for the April CPP deposit is April 26, 2025. Payment will be processed automatically and should reflect in your account by that date.
| Month | CPP Deposit Amount | Scheduled Payment Date | Payment Method |
| April 2025 | $1,364 | April 26, 2025 | Direct Deposit |
The actual deposit date may vary slightly based on bank processing times, especially for those without direct deposit enabled.
How Is the $1,364 Amount Calculated?
The CPP payment amount varies based on several factors including how much and for how long you contributed to the program. The maximum monthly payment for 2025 has been adjusted for inflation and cost-of-living changes, landing at $1,364 for qualifying retirees.
Factors affecting your payout:
- Total years of contribution
- Average income during your working years
- Age at which you begin CPP retirement benefits
- CPP enhancements applied over the years
How to Ensure You Receive the CPP Deposit
To avoid delays or missed payments, ensure the following:
- Your My Service Canada Account (MSCA) is active and updated
- Your banking information is correct
- You’ve submitted all required CPP documents
- You monitor your correspondence from Service Canada
If you’ve recently moved or changed banks, log into your MSCA and update your details to avoid payment disruptions.
Impacts of the CPP Deposit on Other Benefits
The CPP retirement benefit is considered taxable income, which may impact other income-tested benefits like the GIS (Guaranteed Income Supplement) or provincial subsidies. However, the $1,364 deposit is not considered a separate bonus—it’s your regular monthly CPP payment based on maximum eligibility.
What it doesn’t impact:
- Old Age Security (OAS) eligibility
- Canada Child Benefit (CCB)
- GST/HST credits
May impact:
- GIS payments (if income threshold is affected)
- Income-tested provincial programs
CPP Payment Breakdown by Benefit Type
CPP includes more than just retirement payments. Depending on your status, you might receive other CPP-related benefits.
| Benefit Type | Average Monthly Payment (2025) | Maximum Payment (2025) |
| Retirement Pension | $758 | $1,364 |
| Disability Benefit | $1,064 | $1,606 |
| Survivor’s Pension | $476 | $772 |
| Children’s Benefit | $281 | $281 |
How to Contact Service Canada for CPP Inquiries
If you’re unsure about your eligibility or need support, contact Service Canada:
- Phone: 1-800-277-9914
- Website: www.canada.ca
- In-person: Visit a Service Canada Centre
Tip: Have your SIN (Social Insurance Number) ready before you call.
Conclusion: Summary of April 2025 CPP $1,364 Deposit
The April 2025 CPP deposit of $1,364 offers essential financial support to Canadians who have earned their pension through consistent contributions. If you’re eligible, this payment will be automatically deposited by April 26, 2025, helping with rent, bills, and general expenses.
| Feature | Details |
| Payment Amount | $1,364 (maximum for retirement benefit) |
| Payment Date | April 26, 2025 |
| Eligible Individuals | CPP retirees, survivors, disabled recipients |
| Method | Direct deposit |
| Taxable | Yes |
| Application Needed? | No (if already enrolled in CPP) |
FAQs
1. Is the $1,364 CPP payment a one-time bonus?
No, this is a monthly maximum benefit under the CPP, not an extra payment.
2. What if I don’t receive the payment on April 26?
Check your My Service Canada Account or contact Service Canada. Delays can occur due to banking issues or incorrect information.
3. Do I need to apply to receive the payment?
No, as long as you’re already enrolled and eligible for CPP, the deposit is automatic.
4. Can I still receive the payment if I live outside Canada?
Yes, if you live in a country with a Social Security Agreement with Canada and meet all eligibility rules.
5. Will this CPP deposit affect my Old Age Security (OAS)?
No, OAS is separate and is not reduced by receiving CPP.