September 2025 OTB Payment In Canada – Who Qualifies And When Money Arrives
The Ontario Trillium Benefit (OTB) is one of the most important monthly financial supports for low- and moderate-income households in Ontario.
By combining three different credits into a single payment, the program ensures families and individuals can better manage energy bills, property taxes, and sales tax costs.
For September 2025, many residents are waiting to know exactly when the money arrives, who is eligible, and how much can be expected. This guide explains everything in detail, including the September 2025 payment date, eligibility rules, maximum amounts, and how to track your funds.
Purpose of the Ontario Trillium Benefit
The OTB was created to simplify access to provincial benefits. Instead of issuing separate payments for each credit, the program consolidates them into a single monthly payment.
The three credits included are:
- Ontario Sales Tax Credit (OSTC) – helps offset part of the HST paid on goods and services.
- Ontario Energy and Property Tax Credit (OEPTC) – provides relief from property taxes and energy costs for homeowners, renters, and those in long-term care.
- Northern Ontario Energy Credit (NOEC) – supports residents of Northern Ontario who face higher heating and energy costs.
September 2025 OTB Payment Schedule
The September 2025 OTB payment is scheduled for September 10, 2025. Payments are predictable and normally issued on the 10th of each month.
- Direct deposit recipients can expect the money in their bank account on the same day, though some banks may take one or two business days to process.
- Cheque recipients will have payments mailed starting on the 10th, with delivery times depending on postal services.
1. OTB Payment Dates for 2025–26
| Month | Expected Issue Date | Method of Payment |
|---|---|---|
| July 2025 | July 10 | Direct deposit or cheque |
| August 2025 | August 10 | Direct deposit or cheque |
| September 2025 | September 10 | Direct deposit or cheque |
| October 2025 | October 10 | Direct deposit or cheque |
| November 2025 | November 10 | Direct deposit or cheque |
| December 2025 | December 10 | Direct deposit or cheque |
Who Qualifies for the OTB in 2025
Eligibility for the Ontario Trillium Benefit is determined using your 2024 income tax return. To qualify, you must:
- Be a resident of Ontario on December 31, 2024.
- Have filed your 2024 tax return, even if you had no income.
- Apply for credits through the ON-BEN application if claiming the Energy and Property Tax Credit or Northern Ontario Energy Credit.
- Qualify for at least one of the three credits (OSTC, OEPTC, or NOEC).
1. Special Rules
- If your total annual entitlement is $360 or less, you receive it as a lump sum in July 2025, not monthly.
- If your entitlement is more than $360, you are placed in the monthly payment cycle from July 2025 to June 2026.
- Payments are non-taxable and do not need to be reported on your income tax return.
How Much Can You Receive?
The OTB payment varies depending on your income, age, family size, housing situation, and location. Below are the maximum figures for 2025:
| Credit Component | Maximum Annual Amount | Details |
|---|---|---|
| Ontario Energy & Property Tax Credit (OEPTC) | Up to $1,283 (ages 18–64) Up to $1,461 (ages 65+) Up to $285 (on-reserve or long-term care) $25 for eligible students in residence | Amount depends on age, living arrangement, and expenses |
| Northern Ontario Energy Credit (NOEC) | Up to $185 for individuals Up to $285 for families | Only for Northern Ontario residents |
| Ontario Sales Tax Credit (OSTC) | Up to $371 per person (including children) | Based on family size and income |
The combined maximum annual amount can be several thousand dollars for families who qualify for all three credits.
OTB Payment Cycle for 2025–26
The benefit year runs from July 2025 to June 2026. Payments follow a monthly cycle:
| Period | Payment Date Pattern | Notes |
|---|---|---|
| July – September | Around the 10th | Start of benefit year |
| October – December | Around the 10th | Regular monthly payments |
| January – March | Around the 10th | Winter payments continue |
| April – June | Around the 10th | End of benefit cycle |
How to Manage and Track Your OTB Payments
To ensure you receive your September 2025 OTB payment on time:
- Check CRA’s My Account – you can view payment dates, amounts, and your entitlement status.
- Use direct deposit – this is the fastest and most reliable way to get your payment.
- Keep your information updated – make sure your mailing address, marital status, and banking details are correct.
- Report delays – if you haven’t received your payment within 10 business days, contact the CRA for assistance.
Important Notes for September 2025
- Payments are based on your 2024 tax return.
- The amount depends on which credits you qualify for and your household circumstances.
- No taxes need to be paid on OTB amounts.
- If your entitlement was already paid as a lump sum in July, you will not get a September payment.
Summary of Key Information
| Item | Details |
|---|---|
| September 2025 Payment Date | September 10, 2025 |
| Method | Direct deposit or mailed cheque |
| Eligibility | Ontario residents who filed 2024 taxes and qualify for OSTC, OEPTC, or NOEC |
| Monthly or Lump Sum | Lump sum in July if ≤ $360, monthly if > $360 |
| Maximum OSTC | $371 per person |
| Maximum OEPTC | $1,283 (18–64), $1,461 (65+) |
| Maximum NOEC | $185 individual, $285 family |
| Taxable? | No, OTB payments are non-taxable |
The September 2025 Ontario Trillium Benefit payment provides essential relief to thousands of Ontarians struggling with energy bills, property taxes, and sales taxes.
The payment date is set for September 10, 2025, and eligibility is based on your 2024 tax return. While some households may have already received their entitlement as a lump sum in July, others will continue receiving monthly payments until June 2026.
By ensuring your tax return is filed, your information is accurate, and your payment preferences are set, you can make the most of this benefit. The OTB remains a key support system for Ontarians, helping households balance their budgets and ease the financial burden of everyday living costs.
FAQs
When will the September 2025 OTB payment arrive?
The payment is scheduled for September 10, 2025. If the date falls on a weekend or holiday, the money will be issued on the nearest business day.
Do I qualify if my income is very low or I had no income in 2024?
Yes. Even if you had no income, you must still file your 2024 tax return to be considered. Eligibility depends on factors like residence, rent or property tax paid, and family situation.
What happens if I do not receive my September payment on time?
If you use direct deposit, wait a couple of business days as bank processing times vary. If you receive a cheque, allow additional time for mailing. If after 10 business days the payment has not arrived, you should contact the CRA.
