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Payments the CRA sends you - Direct deposit for individuals

If you have a Canadian bank account, you can sign up for direct deposit to receive your payments from the CRA.

You will need to find your banking information at the bottom of your personal cheques or in your online banking portal. If you can't find the information, contact your bank or credit union.

Ways to update your direct deposit information

Online

Do not close your old bank account until your first payment has been deposited to your new bank account

Change your direct deposit online using your CRA account.

CRA sign in

  1. Sign in to your CRA account
  2. Select your Individual account to access My Account
  3. Select Profile
  4. Scroll to Direct deposit
  5. Select Edit
  6. Update your direct deposit information

If you can't sign in to your CRA account

If your phone number has changed and you can't receive your multi-factor authentication (MFA) passcode to sign in, you will have to use another method.

For more help with your CRA account, go to: Help with using your CRA account

Make a change for someone else

To change direct deposit information for someone else, including a spouse or family member, you must be their legal representative and use Represent a Client in your CRA account.

Through your Canadian bank or credit union

Do not close your old bank account until your first payment has been deposited to your new bank account

You can sign up for direct deposit or change your account information through many Canadian banks, credit unions, and trust companies. Once you provide consent through one of these financial institutions, your CRA direct deposit information will be updated the next business day. Visit your financial institution's website for information on how to sign up.

Choose your Canadian bank or credit union

Banks (individuals)

Credit unions and trust companies (individuals)

By mail

Do not close your old bank account until your first payment has been deposited to your new bank account

Complete this Canada Direct Deposit enrolment form and send it to the Receiver General for Canada at the address indicated at the bottom of the form.

Processing time: Up to 3 months

By phone

Beginning March 24, 2025, you will not be able to sign up for or update your direct deposit by phone.

You will still be able to sign up for or update your direct deposit:

  • Online using your CRA account
  • Through your Canadian bank or credit union
  • By mail

Your banking information and your privacy

Banking information privacy notice for individual taxpayers and benefits recipients

Personal information (including the SIN) is collected for the purposes of the administration or enforcement of the Income Tax Act and related programs and activities including administering tax, benefits, audit, compliance, and collection. The information collected may be used or disclosed for purposes of other federal acts that provide for the imposition and collection of a tax or duty. It may also be disclosed to other federal, provincial, territorial or foreign government institutions to the extent authorized by law. Under the Privacy Act, individuals have the right to access their personal information, request correction, or file a complaint to the Privacy Commissioner of Canada regarding the handling of the individual’s personal information. Refer to Personal Information Bank CRA PPU 005 on Information about Programs and Information Holdings.

Missing payments

If you haven't received your payment

If you have not received your direct deposit payment and 10 business days have passed since the payment date of your benefit or credit, contact the CRA at 1-800-959-8281.

Change your direct deposit information with other government departments

The CRA does not administer the Canada Pension Plan (CPP) or Old Age Security (OAS). To update your information for these programs, go to: Government of Canada direct deposit

Update other information

Change your other personal details with the CRA, including your address, phone number or email address:

Update your personal information with the CRA

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