Seeing a different code? Look up any government deposit on your bank statement.
A deposit labelled “Canada FPT” is a payment from the Canada Revenue Agency (CRA). FPT stands for federal-provincial-territorial: a federal benefit paid together with provincial or territorial money in one deposit. Most often it’s your quarterly Canada Groceries and Essentials Benefit (the new name for the GST/HST credit) combined with a provincial credit, or your monthly Canada Child Benefit combined with a provincial child benefit. It is real, tax-free and yours to keep.
If it arrived around the 5th of January, April, July or October, it’s the Groceries and Essentials Benefit, and the next one is Monday, October 5, 2026. If it arrived around the 20th of the month, it’s the Canada Child Benefit, and the next one is Tuesday, October 20, 2026. You can see every benefit date on our payment calendar.
What’s this deposit? A quick guide
The wording depends on your bank, so treat this table as a guide to what each label usually means. To be sure, sign in to CRA My Account and look at your payment history.
| Label on your statement | Usually means | When it arrives |
|---|---|---|
| Canada FPT | A federal benefit paid together with provincial or territorial money: usually the Canada Groceries and Essentials Benefit plus a provincial credit, or the Canada Child Benefit plus a provincial child benefit | Around the 5th of January, April, July and October (Groceries and Essentials Benefit), or around the 20th of each month (Canada Child Benefit) |
| Canada CEB (Canada GST before July 2026) | Canada Groceries and Essentials Benefit on its own, with no provincial credit added | Around the 5th of January, April, July and October |
| Canada PRO | Ontario Trillium Benefit or Alberta Child and Family Benefit | OTB around the 10th each month; ACFB in late February, May, August and November |
| Canada Fed | A general federal payment with no program-specific code, such as a one-time payment or some refunds. Check CRA My Account to see which one | No fixed schedule |
| Canada CCB | Canada Child Benefit, plus provincial child benefits | Around the 20th each month |
| CPP or OAS | Canada Pension Plan or Old Age Security, paid by Service Canada | Near the end of each month |
Our Canada PRO deposit guide covers the Ontario and Alberta payments in more detail.
The GST/HST credit has a new name
In July 2026, the GST/HST credit was replaced by the Canada Groceries and Essentials Benefit (CGEB). The base amounts went up by 25%, and that increase stays in place from 2026 to 2031. The rules for who qualifies did not change.
The January 5 and April 2, 2026 payments were still called the GST/HST credit. The July 3 payment was the first under the new name. There was also a one-time top-up on June 5, 2026, worth half of your 2025–26 GST/HST credit. That is why some people saw an extra deposit in June.
Next payment dates
| Payment | Date |
|---|---|
| Next CGEB payment | Monday, October 5, 2026 |
| Following payment | Around January 5, 2027 |
| After that | Around April 5, 2027 |
The CRA pays on the 5th of January, April, July and October. When the 5th falls on a weekend or holiday, it pays on the last business day before. If your amount is less than $50 a quarter, you get the whole year’s amount in one payment in July instead.
How much you can get
These are the maximums for July 2026 to June 2027, based on your 2025 tax return:
| Who | Maximum per year |
|---|---|
| Single person | $679 |
| Married or common-law couple | $890 |
| Each child under 19 | $234 |
The amount is split into four payments. It goes down as family income goes up. The CRA benefits calculator will estimate yours. The CGEB is tax-free.
Provincial credits paid with it
In some provinces, the CRA adds a provincial credit to the same quarterly deposit. You don’t apply separately: filing your taxes is enough.
| Province | Credit | Maximum per year |
|---|---|---|
| New Brunswick | HST credit | $300 each for you and your spouse, $100 per child |
| Newfoundland and Labrador | Income supplement | $520 single, $589 with a spouse, plus $231 per child |
| Newfoundland and Labrador | Seniors’ benefit (65 or older) | $1,882 for a single senior |
| Nova Scotia | Affordable living tax credit | $255 per individual or couple, plus $60 per child |
| Prince Edward Island | Sales tax credit | $310, plus $55 for a spouse or eligible dependant |
| Saskatchewan | Low-income tax credit | $460 each for you and your spouse, $181 per child (up to 2 children) |
The Ontario sales tax credit is not in this deposit. It’s part of the Ontario Trillium Benefit, which comes separately around the 10th. Provincial child benefits, such as the Ontario Child Benefit, come with the Canada Child Benefit. Quebec’s solidarity tax credit is paid by Revenu Québec.
Why it stopped, is late or changed
- You or your spouse didn’t file a 2025 tax return. The CGEB is worked out again every July from last year’s return.
- Your income went up, your family changed, or you moved and didn’t update the CRA.
- Your amount was under $50 a quarter, so it all came in July.
- The Canada Carbon Rebate ended. The last one was paid in April 2025, so a quarterly deposit you used to get may be gone.
If a payment doesn’t arrive, wait 10 business days after the payment date. Then check CRA My Account or call the CRA at 1-800-387-1193.
Is it a scam?
A real Canada FPT deposit comes straight from the government into the bank account the CRA has on file. Be careful of anyone who contacts you about it. The CRA never sends refunds or benefits by e-transfer or text message. It never asks you to pay with gift cards, prepaid cards or crypto, and it never charges a fee to talk to an agent. If someone says you were overpaid and must send money back, hang up and call the CRA yourself.
Keep it coming: file every year
You don’t apply for the CGEB. You get it by filing your tax return every year, even if you had no income. If you have a spouse or partner, they need to file too. If you file late, you still get the money, but it arrives later.
Volunteers at free tax clinics will do your return if you have a modest income and simple taxes.
Other help you might be missing
- Guaranteed Income Supplement: a monthly top-up to OAS for seniors with low income.
- Canada Disability Benefit: up to $204.20 a month for people aged 18 to 64 approved for the Disability Tax Credit.
- Ontario Trillium Benefit: for Ontario renters and homeowners with low income.
- Canada Workers Benefit: for people working on a low income.
Common questions
What does Canada FPT mean on my bank statement?
It stands for federal-provincial-territorial. It’s a CRA payment that combines a federal benefit, usually the Canada Groceries and Essentials Benefit or the Canada Child Benefit, with provincial or territorial money paid alongside it.
Is Canada FPT the same as the GST credit?
Often, but not always. The GST/HST credit, now the Canada Groceries and Essentials Benefit, shows up as FPT when a provincial credit is paid with it. On its own it usually shows as “Canada CEB”, or “Canada GST” before July 2026.
Why did I get a Canada FPT deposit in June 2026?
That was most likely the one-time top-up paid on June 5, 2026. It was worth half of your 2025–26 GST/HST credit.
Do I have to pay tax on it?
No. The CGEB and the provincial credits paid with it are tax-free.
When is the next Canada FPT payment?
If your FPT deposits come every three months, the next one is October 5, 2026, then around January 5, 2027. If they come every month around the 20th, they’re the Canada Child Benefit, and the next one is October 20, 2026.
