Service Canada pays CPP and OAS on the exact same 12 dates in 2026, as two separate deposits that land together. Here's the combined schedule and what the pair looks like when it's sitting in your bank account.
Yes. CPP and OAS share every payment date in 2026, the third-to-last business day of each month, and both arrive next on Wednesday, July 29, 2026. They don't merge into one deposit, and GIS arrives inside the OAS deposit.
One table covers both pensions plus GIS, CPP disability and survivor benefits. December moves up to the 22nd ahead of the holidays, and that's a 5-week wait before the first 2027 deposit.
| Month | CPP and OAS payment date | Day of week | Status |
|---|---|---|---|
| January | January 28, 2026 | Wednesday | Paid |
| February | February 25, 2026 | Wednesday | Paid |
| March | March 27, 2026 | Friday | Paid |
| April | April 28, 2026 | Tuesday | Paid |
| May | May 27, 2026 | Wednesday | Paid |
| June | June 26, 2026 | Friday | Paid |
| July | July 29, 2026 | Wednesday | Upcoming |
| August | August 27, 2026 | Thursday | Upcoming |
| September | September 25, 2026 | Friday | Upcoming |
| October | October 28, 2026 | Wednesday | Upcoming |
| November | November 26, 2026 | Thursday | Upcoming |
| December | December 22, 2026 | Tuesday | Upcoming |
Expect two entries, not one; they're never merged. Banks list a Canada Pension Plan deposit and a separate Old Age Security deposit, usually posting within the same overnight run. GIS never appears on its own line; it's added into the OAS amount, so a senior receiving all three benefits still sees exactly two entries.
The amounts update on different rhythms even though the dates match. CPP adjusts once each January, 2.0% for 2026, while OAS adjusts every quarter, including the 1.2% increase that lands with the July 29 payment. Your two deposits change size at different times of year, and that's normal.
Full details for each pension live on their own pages: the CPP payment schedule with amounts and start-age rules, and OAS payment dates for 2026 with GIS timing and both age-group maximums.
Most retired Canadians 65 and older collect both, because the two programs test different things: CPP pays you for work contributions, while OAS doesn't look at work at all; it pays for years of Canadian residence.
Anyone who contributed through employment or self-employment qualifies. It starts as early as 60 at a reduced rate, so it's common to collect CPP for 5 years before OAS begins.
10 years in Canada after age 18 earns a partial pension and 40 years earns the full amount. You don't need any work history, which covers people CPP misses.
Once both run, they pay up to $2,259.62 per month combined at 2026 maximums for ages 65 to 74, arriving on one shared date as two deposits.
Don't panic on the payment morning. Two separate systems issue the deposits, and a bank occasionally posts one a couple of hours before the other. Service Canada asks for 5 business days after the payment date before you report either pension missing.
A pension that's consistently absent has its own cause. CPP problems usually trace to direct deposit details, fixed in My Service Canada Account. A shrunken or missing OAS deposit is more often the GIS portion dropping off because a tax return wasn't filed, since the CRA income-tests GIS against your 2025 numbers from July 2026 onward.
The same overnight timing rules from the rest of the Canada benefit payment calendar apply here: deposits post overnight so you'll see the money by early morning, a handful of banks release them a day early, and cheques add mail time.
Both schedules come from the official Government of Canada benefits payment calendar. Amounts reflect published 2026 figures. Last verified July 8, 2026; we re-check quarterly and correct within 24 hours when a calendar changes. It's the same process every page on this site follows.