Have you noticed deposits in your bank account with the acronym 'Canada FPT'? Canada FPT is a Federal, Provincial, or Territorial tax credit. It's a code for certain government benefit deposits into your bank account.
Find out which tax credits fall under the FPT deposit, how much you can get, when you can expect payment and if you're eligible for an FPT payment.
Key Points
- The Canada FPT deposit stands for Federal-Provincial-Territorial and is a tax credit.
- The Canada FPT deposit includes one or a combination of the following benefits: the Canada Groceries and Essentials Benefit (formerly the GST/HST credit), the Canada Child Benefit (CCB) and similar provincial programs.
- The Canada FPT payments are given on a quarterly or monthly basis depending on the benefits you qualify for.
- In July 2026, the GST/HST credit was renamed the Canada Groceries and Essentials Benefit, and payments went up by 25% for 5 years.
What Tax Credits Are Included In A Canada FPT Deposit?
When you receive a payment from the Canadian government called FPT, it means you've qualified for one or more of the following benefits:
- GST/HST credit, now called the Canada Groceries and Essentials Benefit
- Canada Child Benefit (CCB)
Note, the FPT deposit may include similar provincial benefit programs such as the Nova Scotia Affordable Living Tax Credit. The BC Climate Action tax credit used to be part of the FPT deposit, but it ended in April 20253.
Why Did I Get An Extra Deposit In June 2026?
On June 5, 2026, the CRA paid a one-time top-up to people who were getting the GST/HST credit in January 2026. It was worth about half of your 2025-26 credit, up to $267 for a single person with no children and $349 for a couple with no children2. The top-up didn't include any provincial or territorial amounts. To see how it compares to the one-time payment from 2023, read about the federal grocery rebate.
When Can You Expect To Receive The Canada FPT Payment?
Generally, these deposits will show up in your account on a monthly or quarterly basis with codes such as "FPT" or "Fed-Prov/Terr Canada."
Whether you receive your payment on a quarterly or monthly basis depends on the benefits you qualify for.
What If Your Payment Is Missing?
If a payment doesn't arrive on the expected date, give it a few days first. The CRA asks you to wait 5 working days after the payment date for the CCB, and 10 working days for other benefits, before you contact them. You can also check the status of your payments in CRA My Account.
Canada FPT Payment Dates 2026
| Canada Groceries And Essentials Benefit (GST/HST Credit) Payment Dates | Eligible recipients receive payments for this credit on a quarterly basis. In 2026, payment dates are as follows: - - - - |
| Canada Child Benefit Payment Dates | CCB benefits are paid out every month. For 2026, the payment dates are as follows: - - - - - - - - - - - - |
The next Canada Groceries and Essentials Benefit payments are on January 5, 2027 and April 5, 2027.
Are You Eligible For The Canada FPT Deposit?
As mentioned, the Canada FPT programs include one or a combination of the following benefits: the Canada Groceries and Essentials Benefit (formerly the GST/HST credit), the Canada Child Benefit (CCB) and other similar programs.
Here we'll be going over the two main programs mentioned above.
Canada Groceries And Essentials Benefit (GST/HST Credit) Eligibility Requirements
The Canada Groceries and Essentials Benefit (formerly the GST/HST credit) is a tax-free benefit paid to low- and middle-income households on a quarterly basis. To qualify, you must be a Canadian resident and meet one of the following three criteria:
- Be at least 19 years old
- Be (or have been) married or in a common-law relationship
- Be (or were) a parent and live with your child
Canada Child Benefit Eligibility Requirements
The Canada Child Benefit (CCB) is paid out by the Canada Revenue Agency (CRA) to families who need financial assistance covering the costs associated with raising their children under 18 years of age. It's a tax-free payment made on a monthly basis.
To be eligible for the CCB, you must:
- Be a Canadian resident
- Live with a child under the age of 18
- Be the primary caregiver of the child
If your child suffers from a disability, you may also qualify for the Child Disability Benefit (CDB).
What Happened To The B.C. Climate Action Tax Credit?
The B.C. climate action tax credit was a tax-free payment made every quarter to low-income individuals and families to help offset the cost of carbon taxes. It ended with the April 2025 payment, so it's no longer part of the FPT deposit3. British Columbia families with children can still get the B.C. Family Benefit, which is paid with the CCB.
How Much Can You Get Through The Canada FPT Deposit?
Depending on the FPT programs you qualify for the amount you receive will vary. Below we've broken down how much you may qualify under each FPT program for July 2026 to June 2027.
| Maximum Yearly Benefit Amount | |
| Canada Child Benefits (CCB) | $8,157 for children under 6 $6,883 for children aged 6 to 17 |
| Canada Groceries And Essentials Benefit (GST/HST Credit) | $679 for single individuals $890 for married or those in common-law relationship $234 for each child under 19 |
Canada Groceries And Essentials Benefit (GST/HST Credit) Amount
If you qualify for the Canada Groceries and Essentials Benefit you can receive up to $679 if you're single and $890 if you're married or in a common-law relationship. If you have any children, you can get an additional $234 for each child under 191.
The amount you get will depend on your household net income and the number of children under the age of 19 years who are registered for the benefit or Canada Child Benefit. The amount starts to go down once your adjusted family net income is over $46,432.
Canada Child Benefit (CCB) Amount
You can receive up to $8,157 a year for every child you have under the age of 6 and $6,883 a year for every child you have between the ages of 6 and 174.
Payments for the CCB are based on your adjusted family net income (AFNI). If your AFNI is under $38,237, you can receive the maximum payment for each child.
Other Provincial Benefits Programs That May Be Included In Your Canada FPT Deposit
Other provincial benefits that may be included in your Canada FPT deposit are the provincial sales tax credit and provincial child tax credits. These are typically combined with the Canada Groceries and Essentials Benefit and CCB payments, respectively.
Other provincial benefits that may be included in your Canada FPT deposit are:
| Program | Maximum Amount | Learn More |
| New Brunswick HST Credit | Up to $300 per adult, plus $100 per child | More Info |
| Newfoundland and Labrador income supplement | Up to $520 for a single person and $589 for a couple, plus $231 per child | More Info |
| Newfoundland and Labrador seniors' benefit | Up to $1,882 a year | More Info |
| Nova Scotia Affordable Living Tax Credit | Up to $255 per person or couple, plus $60 per child | More Info |
| PEI Essentials Benefit | Up to $310 for a single person and $365 for a couple or single parent, starting November 2026 | More Info |
| Saskatchewan low-income tax credit | Up to $460 per adult, plus $181 per child for up to 2 children, to a maximum of $1,282 per family | More Info |
Benefits That Are Paid Separately
Not every provincial payment is part of the FPT deposit. The Ontario Trillium Benefit and the Alberta Child and Family Benefit are paid on their own schedules, and the CRA doesn't run any benefit programs for Manitoba. In Quebec, the family allowance is paid by Retraite Québec rather than the CRA.
Programs That No Longer Pay Out
If you used to get a carbon rebate as part of your FPT deposit, those payments have stopped. The federal Canada Carbon Rebate ended after the April 2025 payment, and the B.C. Climate Action Tax Credit ended the same month. The Yukon carbon rebate and the Northwest Territories Cost of Living Offset are also no longer listed among the programs the CRA pays.
Other Government Deposits
Other government deposits you may see in your bank account are:
- Canada RIT - The Canada RIT is an acronym for the Refund Income Tax. When you file your taxes, you'll likely receive this payment in a few weeks thereafter.
- Canada PRO - The Canada PRO deposit is made up of two programs; the Ontario Trillium Benefit (OTB) and the Alberta Child And Family Benefit (ACFB).
- Canada FED - If you get a deposit with the code Canada FED, it means you've qualified for one or all of these benefits: the Canada Groceries and Essentials Benefit (formerly the GST/HST Credit), the Canada workers benefit (CWB) and the Canada Child benefit (CCB).
Final Thoughts
The Canadian government offers a number of programs designed to provide financial assistance to those who need it. Find out if you qualify for Canada FPT programs to receive some financial relief.
Canada FPT FAQs
Are Canada FPT payments taxable?
What does a Canada FPT mean in my bank statement?
How do I confirm my FPT payments?
Do I have to report my FPT payments on my tax return?
When will I receive FPT payments?
Why did I get a Canada FPT deposit in June 2026?
Is the Canada FPT deposit the same as the GST/HST credit?
What should I do if my FPT payment is missing?
Sources
- Canada Revenue Agency, "Canada Groceries and Essentials Benefit: How much you can get," canada.ca, accessed November 2026.
- Canada Revenue Agency, "One-time top-up payment of the GST/HST credit," canada.ca, accessed November 2026.
- Government of British Columbia, "B.C. climate action tax credit," gov.bc.ca, accessed November 2026.
- Canada Revenue Agency, "Canada child benefit: How much you can get," canada.ca, accessed November 2026.
