In February 2025, your post-holiday budget is stretched thin. Groceries, heating bills, and unexpected expenses pile up but relief might be closer than you think. For millions of Canadians, GST/HST refund arriving in February 2025 offers a timely financial boost. But how do you ensure you’re eligible, and what steps can you take to avoid delays? Read below the complete details to clear your concept about GST/HST Refund.
About GST/HST Refund?
The GST/HST refund (officially the GST/HST credit) is a tax-free quarterly payment designed to offset sales taxes paid by low- to middle-income households. It is a rebate to ease the burden of everyday expenses like groceries, utilities, and childcare.
Why it matters:
- Over 11 million Canadians received the credit in 2024, with single parents and seniors benefiting the most.
- Payments adjust annually based on inflation and household income, ensuring equitable support.
Payments Dates February 2025
Mark your calendar: The GST/HST refund for February 2025 will be deposited or mailed on February 5, 2025. Here’s what to expect:
- Direct deposit: Funds arrive in bank accounts by February.
- Cheque recipients: Allow 7–10 business days for delivery.
Pro tip: If your payment hasn’t arrived by February 12, contact the CRA immediately to resolve issues like outdated banking details.
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Eligibility Criteria: Who Qualifies?
To receive the refund, you must meet these requirements:
- Residency: Be a Canadian resident for tax purposes.
- Age: At least 19 years old (exceptions apply for parents or spouses).
- Income limits: Adjusted family net income must fall below thresholds set by the CRA. For example:
- Single individuals: Up to $49,166 (2024 threshold).
- Families with children: Higher thresholds apply.
- Tax compliance: Filed your 2024 income tax return.
Common oversight: Newcomers often miss payments by not filing taxes promptly. Submit your return even with $0 income to qualify.
Payment Amounts: How Much Can You Expect?
The refund amount depends on family size and income. For the 2024–2025 benefit year:
- Single individuals: Up to 496annually(496annually(124 quarterly).
- Couples: Up to $650 annually.
- Children: $260 per child under 19.
Fun fact: A family of four could receive over $1,100 annually—enough to cover a month’s groceries for many households4.
How to Check Your Payment Status
Avoid guesswork with these steps:
- CRA My Account: Log in and navigate to “Benefits and Credits” for real-time updates.
- Direct deposit setup: Ensure your banking details are current to prevent delays.
- Mobile alerts: Enable notifications through the CRA’s app for instant updates.
Troubleshooting Payment Delays
Despite best efforts, delays happen. Here’s how to resolve them:
- Outdated information: Update your address or banking details via My Account.
- Missing tax returns: File overdue returns immediately to unlock payments.
- Disputes: Contact the CRA at 1-800-959-1953 for unresolved issues.
Did you know? 23% of payment delays in 2024 stemmed from outdated mailing addresses4.
Actionable Takeaways to Maximize Your Refund
- File taxes early: Submit your 2024 return by April 30, 2025, to qualify for the next payment cycle.
- Opt for direct deposit: Faster and safer than cheques.
- Review family status changes: Marriage, divorce, or new dependents? Notify the CRA within 30 days.
FAQ Section
Q1: Can newcomers to Canada receive the GST/HST refund?
Yes, if they meet residency and income criteria. File a tax return even with $0 income.
Q2: Is the refund taxable?
No—it’s a tax-free payment.
Q3: What if I missed the 2024 tax deadline?
Late filers may receive delayed payments. Submit ASAP to qualify.
Q4: How are payments calculated for blended families?
The CRA uses the primary caregiver’s income and household size.
Q5: Do seniors qualify?
Yes! Seniors over 65 may also receive additional credits like the OAS pension.
Q6: Can I appeal if my payment is lower than expected?
Yes—contact the CRA with updated income or family details.
Q7: Are there provincial adjustments?
Some provinces (e.g., Ontario) combine GST with HST, but refund calculations remain federal.
Q8: What if my child turns 19 in 2025?
They’ll qualify for adult payments starting the quarter after their birthday.