Residents of Ontario who filed their 2024 tax return could be entitled to the $360 Ontario Trillium Benefit (OTB) in November 2025.
This monthly tax-free payment, managed by the Canada Revenue Agency (CRA), helps low- and moderate-income households offset essential living costs such as energy bills, rent, and property taxes.
Whether you rent or own a home, this financial relief can make monthly budgeting easier.
What Is the Ontario Trillium Benefit (OTB)?
The Ontario Trillium Benefit brings together three provincial tax credits into a single monthly payment, simplifying financial assistance for eligible residents.
Components of the OTB
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC)
- Ontario Sales Tax Credit (OSTC)
| Benefit Name | Ontario Trillium Benefit (OTB) |
|---|---|
| November Payment Date | November 10, 2025 |
| Payment Method | Direct Deposit or Cheque |
| Typical Monthly Amount | Up to $360 (varies per household) |
| Eligibility Year | 2024 tax return |
| Administered By | Canada Revenue Agency (CRA) |
| Province | Ontario |
| Official Website | ontario.ca |
Eligibility Criteria for November 2025 OTB Payment
To qualify for the November 2025 Ontario Trillium Benefit, you must:
- Be an Ontario resident as of December 31, 2024
- File your 2024 income tax return, even if you earned no income
- Complete the ON-BEN Application Form, included in your tax package
- Ensure your spouse or common-law partner also files their tax return
- Qualify for at least one of the following credits:
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC)
- Ontario Sales Tax Credit (OSTC)
When and How You’ll Receive the November 2025 Payment
If you selected monthly payments, the Ontario Trillium Benefit will be deposited on Monday, November 10, 2025.
- The payment will appear as “Canada PRO Deposit” in your bank account.
- If you opted for cheques, allow up to 10 business days for delivery.
Payment Amount Factors
Your OTB payment depends on several elements, including:
- Age (under or over 65)
- Household income
- Family structure (single, married, or with dependents)
- Housing type (renter or homeowner)
- Energy and property tax expenses
Monthly vs. Lump-Sum Payment Options
| Option | Payment Period | Frequency | Best For |
|---|---|---|---|
| Monthly Option (Default) | July 2025 – June 2026 | 10th of each month | Those who prefer steady budgeting |
| Lump-Sum Option | July 2025 | One-time full payment | Individuals managing large expenses like tuition or taxes |
If you didn’t specify a preference during your tax filing, monthly payments will be the default choice.
How to Apply for the Ontario Trillium Benefit
You don’t need a separate application beyond your tax return. Follow these steps to apply:
- File your 2024 income tax return before the CRA deadline.
- Complete the ON-BEN Application Form included in your return.
- Choose between monthly or lump-sum payment options.
- Update your banking details via CRA My Account to avoid payment delays.
Understanding the $360 Example Amount
The $360 amount often cited is an illustrative example for those eligible for all three OTB components. Your actual payment could be higher or lower, depending on your unique income and living situation.
Fact Check: Why OTB Still Matters in 2025
With inflation continuing to strain Ontarian households, the Ontario Trillium Benefit remains a reliable monthly aid for many.
Though $360 might not fully cover utilities or rent, it can help with groceries, energy costs, or transportation. Remember, your deposit will appear under “Canada PRO Deposit”, not “OTB,” in your bank account.
The Ontario Trillium Benefit (OTB) is one of the most valuable provincial supports for residents with moderate or low income.
By filing your 2024 tax return on time and completing the ON-BEN form, you can ensure timely payments in November 2025 and beyond. Whether used for utilities, groceries, or rent, this benefit offers steady relief in managing daily living costs.
FAQs
How can I check my Ontario Trillium Benefit payment status?
You can view your payment status by logging into your CRA My Account and checking under “Benefits and Credits.”
What if I missed filing my 2024 tax return?
If you missed filing, you’ll need to submit your 2024 return as soon as possible to become eligible for future OTB payments.
Can I switch from lump-sum to monthly payments later?
Yes. You can change your payment preference when you file your next tax return for the following benefit year.