If you’re living in Ontario and heard folks talking about a sweet $360 coming your way this summer, you’re not dreaming. The Ontario Trillium Benefit (OTB) is dropping a one-time $360 payment in July 2025 for eligible residents. That’s right—a lump sum to help cover the cost of essentials like energy bills and sales tax. This article lays it all out so even a 10-year-old can understand, but we’re also keeping it deep enough for finance pros. Let’s break it down, cousin-to-cousin.
Ontario Pays Out $360 OTB in July 2025
| Feature | Details |
|---|---|
| Benefit Amount | $360 (one-time if your annual entitlement is ≤ $360) |
| Payment Date | July 10, 2025 (or the business day before if on a weekend/holiday) |
| Eligibility | Filed 2024 tax return, resident of Ontario on Dec 31, 2024, and qualified for OSTC, OEPTC, or NOEC |
| Monthly Payments | For OTB over $360 unless lump sum elected |
| CRA Contact | 1-877-627-6645 |
| Official Link | CRA Trillium Benefit |
The $360 Ontario Trillium Benefit payment in July 2025 is a smart and efficient way for the province to support lower-income residents. It’s automatic if you qualify, and easy to access if you file your taxes right. That means more peace of mind for Ontario families and a little breathing room in a tight economy.
Don’t forget to use this opportunity wisely. Whether you’re paying a bill or planning ahead for back-to-school season, that $360 can go a long way with a little strategy.
What Is the Ontario Trillium Benefit (OTB)?
The Ontario Trillium Benefit is a financial lifeline funded by the provincial government and delivered through the Canada Revenue Agency (CRA). It combines three credits:
- Ontario Sales Tax Credit (OSTC)
- Ontario Energy and Property Tax Credit (OEPTC)
- Northern Ontario Energy Credit (NOEC)
If your total entitlement from these programs is $360 or less for the year, CRA will cut you a one-time payment in July 2025.
Why It Matters
With inflation nibbling away at our wallets and utility bills rising, this $360 isn’t just pocket change. For many, it means groceries, a power bill, or a fill-up at the gas station. The province wants to put a little wind back in your sails.
And if you’re a student, retiree, or living on disability, this benefit might just be your cushion for surprise expenses or back-to-school needs.
Who’s Eligible?
You qualify for the $360 lump sum if:
- You filed your 2024 income tax return.
- You were a resident of Ontario on December 31, 2024.
- You qualify for at least one of the following: OSTC, OEPTC, or NOEC.
Pro Tip: Even if you have no income, file your taxes. That’s how CRA knows to hook you up with benefits.
When Will You Get Paid?
The expected payment date is July 10, 2025. If the 10th lands on a weekend or a public holiday, CRA will deposit it on the last business day before.
You’ll see the payment show up as “Canada PRO” in your bank account if you’re signed up for direct deposit.
If your total OTB amount is more than $360, you can choose:
- Monthly payments from July 2025 to June 2026, or
- A lump sum in June 2026 if you opted for it when you filed your taxes.
How to Get It – Step-by-Step Guide
Step 1: File Your Taxes
Make sure your 2024 taxes are filed before June 19, 2025 to qualify for a July payment.
Step 2: Verify Eligibility
Check CRA’s My Account or use the MyBenefits CRA app to confirm your OTB amount.
Step 3: Set Up Direct Deposit
Want your money fast and safe? Register for direct deposit via your CRA account or your banking institution.
Step 4: Watch for Payment
Keep an eye on your bank account around July 10. Look for a deposit labeled “Canada PRO”.
Step 5: Contact CRA if Needed
Need to change your payment type or ask questions? Call 1-877-627-6645.
OTB Payments – Monthly vs. Lump Sum
Did you know there are different ways to receive your OTB? Here’s a quick comparison to help you understand:
| Feature | Monthly Payments (Typical) | Lump Sum Payment (Specific Cases) |
| Eligibility | Annual OTB entitlement is more than $360 | Annual OTB entitlement is $360 or less |
| Payment Frequency | Issued monthly, typically on the 10th of each month. | Issued as a single payment at the end of the benefit year (June). |
| Benefit Year | Payments cover the benefit year from July 2025 to June 2026. | Payment covers the full benefit year from July 2025 to June 2026. |
| Flexibility | Can usually switch to a lump sum later in the year if desired. | Automatically receives a lump sum; no monthly option if under the threshold. |
Real-Life Example
Let’s meet Tanya, a single mom in Thunder Bay. Tanya filed her taxes in March and qualified for $340 in OTB credits. Because her total entitlement is less than $360, she’ll get a one-time deposit of $340 in July 2025. Tanya’s using that money to buy school supplies for her kids. Simple as that.
Stats and Insights
- In 2023, nearly 1.2 million Ontarians received OTB payments.
- CRA estimates the average monthly OTB payment at $50-$70, depending on income and household factors.
- According to StatCan, nearly 15% of Ontarians live in energy poverty—making this credit all the more essential.
Bonus Tips for Maximizing Your Benefit
- Update Your Info: If you move, change banking details, or switch family status, keep CRA in the loop.
- Combine with Other Credits: If you qualify for the GST/HST credit or Climate Action Incentive, bundle that in your financial planning.
- Budget It: Use free tools like Mint or YNAB to track where that $360 will help you most.
- Consider Prepaying Bills: Put the money toward utilities or internet costs for a little breathing room later.
FAQs
Q1: What if I qualify for more than $360?
You’ll receive monthly payments unless you choose to get it all in one shot the following June.
Q2: Can I change from lump sum to monthly?
Yes! Just contact CRA by phone or through your online account before July 2025.
Q3: What if I forget to file on time?
Late filers might still get the benefit, but payment will be delayed by 4-8 weeks after CRA assesses your return.
Q4: Is the payment taxable?
Nope! It’s tax-free money from the province to help you with living expenses.
Q5: What if I don’t have direct deposit?
CRA will mail a cheque, but that may take up to 10 business days longer to receive.
