The Canada Child Benefit continues to be one of the most important sources of support for families across the country. If you’re raising children and looking for financial help, the July 2025 CCB payment could bring up to $648 per child under six into your household. Knowing how this benefit works, when it pays out, and how to apply can help ensure your family doesn’t miss a single dollar.
Here’s a complete breakdown of eligibility, payment dates, and what you can expect.
Overview
The Canada Child Benefit is a tax-free monthly payment provided to families with children under the age of 18. Administered by the Canada Revenue Agency (CRA), the benefit amount depends on your adjusted family net income and the number and ages of your children.
| Feature | Details |
|---|---|
| July 2025 Payment Date | July 13, 2025 |
| Max Monthly Amount | $648 per child under 6, $547 ages 6–17 |
| Eligibility | Parents, residents of Canada, filed taxes |
| Income Reduction Starts | Above $36,502 AFNI |
| Application Methods | Online or by mail |
What is CCB?
The CCB is designed to help families cover the basic costs of raising children. Payments are made monthly, and families with lower income receive the highest benefits. There’s no separate tax on this amount—it’s completely tax-free.
To receive the full benefit, your adjusted family net income needs to be under $36,502. Families earning more than this will still receive support, but at a reduced rate.
July 2025 Payment
The CRA has scheduled the July CCB payment for July 13, 2025. You will receive it via direct deposit or cheque, depending on your setup with CRA. This mid-month date allows families to use the benefit in time for seasonal expenses like summer programs, childcare, and back-to-school preparations.
Eligibility
To qualify for the CCB, you must meet the following conditions:
- Be the primary caregiver for a child under 18
- Be a resident of Canada for tax purposes
- File an annual tax return (along with your spouse or partner)
- Have legal status in Canada as a citizen, permanent resident, protected person, or qualifying temporary resident
Both spouses must file taxes each year for CRA to assess your eligibility and calculate your monthly payment amount.
Payment Amounts
The amount you receive depends on your income and how many children you have. Below are the maximum monthly payments:
| Age of Child | Annual Benefit | Monthly Benefit |
|---|---|---|
| Under 6 years | $7,787 | $648.91 |
| Ages 6 to 17 | $6,570 | $547.50 |
Example
If you have two children under six and your family income is below $36,502:
- $648.91 x 2 = $1,297.82 per month
If your income is above this threshold, your benefit decreases gradually.
Additional Benefits
Families caring for a child under 18 with a severe or prolonged disability may qualify for the CDB. This provides up to $3,173 annually, or about $264 per month, in addition to the regular CCB.
Provincial/Territorial Benefits
You may also be eligible for additional child benefits from your province:
- Ontario Child Benefit
- Quebec Family Allowance
- BC Family Benefit
These are issued separately and complement the federal CCB.
GST/HST Credit
Low-income families may also receive the GST/HST credit, which is paid quarterly and helps offset the cost of federal sales taxes.
How to Apply
- Log in to CRA My Account
- Select “Apply for child benefits”
- Follow the prompts and enter the necessary details
At Birth
In some provinces, you can apply for the CCB at the same time you register your child’s birth. This ensures you begin receiving payments quickly.
By Mail
- Complete Form RC66
- Mail the form to your local CRA tax centre
- Include proof of birth and immigration status, if required
Payment Options
The fastest way to receive the CCB is by signing up for direct deposit. This ensures you get your payments on time without the delay of mail.
Cheque
If you prefer not to use direct deposit, CRA will mail a cheque to your registered address. Make sure your information is current to avoid delays.
The Canada Child Benefit remains a vital tool for supporting families and easing the cost of raising kids. With up to $648 per month per child under six, the July 2025 payment offers timely financial support. Just make sure your taxes are filed and your details with CRA are up to date, and you’ll stay on track to receive every dollar you qualify for.
FAQs
When is the July 2025 CCB payment?
It will be issued on July 13, 2025.
How much CCB can I receive per child?
Up to $648 monthly for children under six.
Do I need to apply every year?
No, just file your taxes annually to stay eligible.
Can I apply for CCB at birth?
Yes, in most provinces during birth registration.
Is CCB affected by income?
Yes, payments reduce gradually after $36,502 AFNI.
