Canada’s $564.9 Workers Benefit Hits Bank Accounts: If you’re a working Canadian with a modest income, you may have received a surprise deposit of $564.90 in your bank account in January 2025—thanks to the Advanced Canada Workers Benefit (ACWB) program. But what exactly is this payment? Who qualifies? And how can you make sure you’re getting your full share?
In this guide, we’ll break down everything you need to know about the Canada Workers Benefit (CWB), including eligibility, payment dates, how to apply, and what to do if you missed the January payout.
Canada’s $564.9 Workers Benefit Hits Bank Accounts
| Details | Description |
|---|---|
| Program | Advanced Canada Workers Benefit (ACWB) |
| January 2025 Payment | Up to $564.90 |
| Who Gets It | Low-income workers in Canada who qualify based on 2023 tax return |
| Payment Dates | January 10, 2025; July 11, 2025; October 10, 2025 |
| How It’s Paid | Direct deposit or cheque |
| Eligibility | Canadian residents earning at least $3,000 annually, 19+ years old |
| Disability Top-up | Additional $130.66 if eligible |
| Official Website | Canada Workers Benefit – CRA |
The Canada Workers Benefit is one of the government’s key tools to support working Canadians struggling with low wages. If you received up to $564.90 in January 2025, that was your first of three advance payments to help cushion your income. And if you didn’t receive it but think you qualify, act fast—you still have time to get the upcoming July and October payments.
What Is the Canada Workers Benefit (CWB)?
The Canada Workers Benefit is a refundable tax credit designed to help low-income individuals and families stay employed and reduce poverty. It includes two components:
- Basic CWB amount
- Disability supplement for those who are eligible
To make it more accessible, the government introduced advance payments in 2023, known as the Advanced Canada Workers Benefit (ACWB). These are automatic, quarterly deposits paid in advance—without needing to wait until tax time.
Canada’s $564.9 Workers Benefit Hits Bank Accounts: How Much Was Paid in January 2025?
The first installment of the ACWB for the 2025 benefit year was issued on January 10, 2025. Here’s a breakdown of what people received:
- Up to $253 for single individuals
- Up to $436 for families
- An additional $130.66 if you qualified for the Disability supplement
The total payment could add up to $564.90, depending on your income and personal circumstances.
These amounts represent 50% of your estimated 2025 CWB entitlement, with the rest coming after you file your 2025 tax return in 2026.
Who Was Eligible for the January 2025 Payment?
To receive the ACWB in January 2025, you must have met the following conditions:
- You were a resident of Canada for all of 2024
- You were at least 19 years old by December 31, 2024 (or lived with a spouse/common-law partner or child)
- You earned at least $3,000 in working income
- You filed your 2023 tax return before November 1, 2024
You were NOT eligible if you:
- Were a full-time student for over 13 weeks in the year (unless with dependents)
- Were incarcerated for 90+ days during the year
- Had diplomatic tax-exempt status
How Does the Advanced Payment Work?
The Advanced Canada Workers Benefit provides three early payments based on the previous year’s tax return. These are estimated pre-payments and do not require a new application.
Here’s how it works:
- The Canada Revenue Agency (CRA) calculates your eligibility and amount using your 2023 return.
- If eligible, you automatically receive 50% of your estimated 2025 CWB across three dates.
- The balance is paid out after you file your 2025 tax return in 2026.
Upcoming ACWB Payment Dates in 2025
If you got the January 2025 payment, you’re also in line for:
- July 11, 2025
- October 10, 2025
These payments will land via direct deposit or cheque, depending on your preferred method with CRA.
Canada’s $564.9 Workers Benefit Hits Bank Accounts: How to Claim the Workers Benefit?
You don’t need to apply separately for the Advanced CWB.
Just follow these steps:
Step 1: File Your Tax Return
- File your income tax and benefit return for 2023 before November 1, 2024
- Even if you didn’t earn enough to owe taxes, you must file to qualify
Step 2: Complete Schedule 6
- Use Schedule 6 of the tax return to apply for CWB
- Declare your working income and any disability status
Step 3: Wait for CRA
- CRA will automatically assess your eligibility and issue payments
- No further action is needed unless CRA contacts you
For personalized calculations, use CRA’s Child and Family Benefits Calculator.
What If You Didn’t Receive the January Payment?
If you believe you were eligible but didn’t receive the January 2025 payment, here’s what to check:
- Did you file your 2023 tax return before November 1, 2024?
- Was your income above $3,000?
- Are you over 19 or supporting a family?
If all conditions are met, but no payment arrived:
- Log in to your CRA My Account and check your CWB status
- Call CRA support at 1-800-959-8281
- Ensure your bank account and address are up to date
You might still receive the July and October payments if your eligibility is confirmed late.
Why This Benefit Matters for Working Canadians
With inflation and cost-of-living pressures rising, benefits like the CWB play a vital role in helping low-income workers keep more of their hard-earned money. Whether you’re working part-time, freelancing, or supporting a family on minimum wage, the CWB is designed to ease financial stress.
It also incentivizes employment—by offering a financial boost for staying in the workforce.
CRA to Send Up to $3,500 in CPP Benefits This April – See If You’re Eligible
$2739 CWB Payment in 2025 – Check Eligibility Criteri, Payment Dates & How to Claim!
CWB Boost of $2,739 Coming in 2025 – Check Eligibility Criteria and Payment Dates!
FAQs on Canada’s $564.9 Workers Benefit Hits Bank Accounts
Q1. Can I apply for the January 2025 CWB payment now?
No. The January 2025 payment was based on your 2023 tax return. However, if you’re eligible, you may still get future payments in July and October 2025.
Q2. How will I receive the payment?
You’ll get it via direct deposit (if your banking details are updated with CRA) or a mailed cheque.
Q3. What if I didn’t file my taxes in time?
If you filed after November 1, 2024, you may not qualify for the January payment. But make sure your 2023 return is filed to be considered for future installments or the full CWB after tax season.
Q4. Is this payment taxable?
No. The Canada Workers Benefit is a refundable tax credit, which means you don’t have to pay tax on the amount received.
Q5. Do self-employed individuals qualify?
Yes. If you meet the income and residency criteria, you’re eligible—even if you’re self-employed or a gig worker.
