Canada Child Benefit (CCB) 2026: Eligibility and Payment Dates

The Canada Revenue Agency (CRA) pays the Canada Child Benefit (CCB) every month, usually on the 20th. The remaining 2026 payments are November 20 and December 11. From July 2026 to June 2027, you can get up to $679.75 a month for each child under 6 and $573.58 for each child aged 6 to 17.

If you rent, a CCB that lands on the 20th arrives well before rent is due on the 1st. With Neobanc, you can pay that rent by free Interac e-Transfer and earn 1% cashback, and your landlord still gets a regular e-Transfer.

CCB Payment Dates for 2026 and 2027

The CRA sends the CCB on the 20th of each month. When the 20th falls on a weekend, the payment goes out on the business day before, and December is paid early, before the holidays.

The 2026 dates come from the CRA's CCB payment dates page. As of October 27, 2026, the CRA hadn't posted 2027 dates, so the 2027 column applies the same 20th-of-the-month rule. December is left open because it doesn't follow that rule: it was paid on December 12 in 2025 and December 11 in 2026.

Your payments are recalculated every July. Payments from January to June 2026 were based on your 2024 tax return. From July 2026 to June 2027, they're based on your 2025 return.

How Much CCB You Get From July 2026 to June 2027

If your adjusted family net income is under $38,237, you get the full amount for each child: $8,157 a year ($679.75 a month) for a child under 6, and $6,883 a year ($573.58 a month) for a child aged 6 to 17. Above that income, the CRA reduces your total payment.

Here's roughly what that looks like each month:

These are estimates using the CRA's formula for July 2026 to June 2027. Your CRA account shows your exact amount.

Between $38,237 and $82,847 of income, the CRA cuts your total by 7% of the income above $38,237 with one child. That rises to 13.5% with two children, 19% with three and 23% with four or more. Above $82,847, a fixed reduction applies, plus a smaller percentage of the income above that line.

A few other things can change the amount that lands in your account:

• Child disability benefit. If your child qualifies for the disability tax credit, the CRA adds the child disability benefit to your CCB automatically.
• Provincial and territorial benefits. Related provincial and territorial programs are paid together with your CCB. Alberta's child and family benefit is the exception: it's paid quarterly, on February 27, May 27, August 27 and November 27 in 2026.
• Small totals. If your CCB for the year adds up to less than $240, the CRA pays it in one lump sum with the July payment instead.

Who Qualifies for the CCB

To get the CCB, all of these have to be true for each child:

• You live with a child under 18.
• You're primarily responsible for the child's care and upbringing, such as supervising daily needs, medical care and child care.
• You're a resident of Canada for tax purposes.
• You or your spouse or common-law partner is a Canadian citizen, a permanent resident, a protected person, or registered (or entitled to be registered) under the Indian Act. A temporary resident also qualifies after living in Canada for the previous 18 months and holding a valid permit in the 19th month.

When two parents live together with the child, the law presumes the female parent is primarily responsible, so she usually applies. If the other parent is the main caregiver, they can apply instead with a signed letter from her. With shared custody, where a child spends 40% to 60% of the time with each parent, both parents should apply.

How to Keep Your CCB Payments Coming

The CRA recalculates the CCB every July from your previous year's tax return, so file on time every year. Your spouse or common-law partner needs to file too, because the CRA uses both incomes.

Tell the CRA about changes as soon as they happen: a new address, a new bank account for direct deposit, a change in marital status or a change in custody. Payments can pause until the CRA has your updated details.

What to Do If Your CCB Payment Is Late

Start with your CRA account. Under "Benefits and credits", it shows your next expected payment date and amount, the status of each payment this benefit year and your statement of account.

If the money still isn't there:

1. Check that your address and direct deposit details are current. If you've switched banks, keep the old account open until the first payment lands in the new one, since that can take up to a month.
2. Wait 5 working days after the payment date before you call the CRA.
3. Remember the lump-sum rule: if your yearly CCB is under $240, you won't get monthly deposits, just one payment in July.

To avoid guessing, you can sign up for the CRA's payment reminders, which arrive by email about a week before each payment.

How to Line Up Rent With Your CCB Deposit

Because the CCB lands around the 20th, it gives renting families more than a week before rent is due on the 1st. That makes it a natural fit for rent day, and Neobanc turns that payment into cashback.

• Pay rent by free Interac e-Transfer and earn 1% cashback, applied toward your next month's payment. On $2,000 of rent, that's $20 back each month.
• Or pay by credit card and keep your card's own rewards on top of Neobanc's. A 1.5% card fee applies.
• Your landlord doesn't change anything. They receive a regular Interac e-Transfer and don't need a Neobanc account.
• Fund your rent 3 business days before it's due. A CCB deposit on the 20th clears that easily.

You can do the same with your credit card bill. Pay it through Neobanc, funded by Interac e-Transfer from your bank, and earn 1% cashback on the payment. Schedule it about 5 business days before the due date.

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Bottom Line

CCB payments arrive on the 20th of each month, or the business day before, and December is paid early on the 11th. From July 2026 to June 2027, the maximum is $679.75 a month per child under 6 and $573.58 per child aged 6 to 17, reduced as family income rises.

File your taxes every year and keep your details current so the deposits keep coming. When your CCB lands, put it toward rent through Neobanc: pay by free Interac e-Transfer, earn 1% cashback, and your landlord still gets a regular e-Transfer.