GST/HST Credit (CGEB) Not Received: Why It Is Missing and What to Do
Step-by-step: what to do
- Check the date. Payments are made on the 5th of January, April, July and October, or the last business day before. The next one is January 5, 2027.
- Look in CRA My Account under Benefits and credits to see your payment dates, amounts and any notice.
- Confirm your return is filed and assessed. The benefit is calculated from your tax return.
- Update your information: address, bank account, marital status and children.
- Wait 10 working days after the payment date, then call 1-800-387-1193.
Reasons a payment is missing, late or stopped
| Reason | What to do |
|---|---|
| Tax return not filed | File your return. Payments cannot be calculated without it. |
| No reply to a CRA letter about your situation | Respond to the letter so the CRA can confirm your eligibility. |
| Address or bank account not updated | Update both in your CRA account. Payments can stop even if your bank account has not changed, so update your address whenever you move. |
| Marital status change not reported | Report it. You must tell the CRA after a marriage, separation or divorce. |
| Income too high | The benefit is recalculated each July from your previous year’s income. See income limits. |
| No longer meeting residency rules | Review the eligibility criteria and contact the CRA if your status changed. |
| Overpayment or debt | The CRA may keep your payment to cover what you owe. |
| Calculated amount under $50 per quarter | The whole annual amount is paid once, in July, instead of quarterly. |
Why your amount changed
- A reassessment of your or your spouse’s return changed the adjusted family net income.
- Your marital status or the number of eligible children changed.
- A child turned 19 and the amount for them stopped.
- Your custody arrangement changed.
- A recipient died.
The CRA sends a notice of redetermination with the new annual amount. Missed amounts are paid with the next scheduled payment.
Direct deposit tips
- Keep your old bank account open until the first payment arrives in the new one.
- Changes can take up to a month to appear.
- If a deposit fails, the CRA mails a cheque.
Overpayments
If a recalculation shows you were overpaid, the CRA sends a notice and a remittance voucher with the amount owing. It keeps future CGEB payments and tax refunds until the balance is repaid, and may apply your CGEB to other federal, provincial or territorial debts.
Frequently asked questions
Why did I not get my GST/HST credit or CGEB payment?
The most common reasons are an unfiled return, an out-of-date address or bank account, an unreported change in marital status or children, income above the cut-off, or a payment date that has only just passed.
How long should I wait before calling the CRA about a missing CGEB payment?
Wait 10 working days after the payment date, then call the CRA at 1-800-387-1193. You can also check your payment history in CRA My Account.
Will I get the money later if my payment was stopped?
Yes, in most cases. Once the CRA receives your updated information and recalculates your benefit, any retroactive amount you are owed is paid with your next scheduled payment.
Why is my CGEB lower than last time?
The CRA recalculates every July from your previous year’s return. A higher income, a spouse’s income, a child turning 19, a change in custody or a reassessment can all lower your amount. You receive a notice of redetermination with the new annual amount.
Can the CRA keep my CGEB to repay a debt?
Yes. The CRA may apply your CGEB to tax you owe or to debts in other federal, provincial or territorial programs, and it keeps future benefit payments and tax refunds until an overpayment is repaid.
I changed banks. Will my payment arrive?
Update your direct-deposit information in CRA My Account and keep your old account open until your first payment arrives in the new one. A change can take up to a month to show, and if a deposit fails the CRA mails a cheque.
Related guides
- Real vs. fake payments and scam messages
- How to apply
- CGEB calculator
- Late with your return? See the tax deadline in Canada.