My Service Canada Account — Your CPP and OAS, Online
What you will learn: How to register for My Service Canada Account, check your CPP and OAS payment dates, update your direct deposit, and find your tax slips — all without calling a 1-800 number.
Canada has two main government benefit portals for seniors. CRA My Account (canada.ca/my-cra-account) handles your taxes, refunds, RRSP room, and GST/HST credit. My Service Canada Account (mysca.service.canada.ca) handles your CPP pension, OAS, and Employment Insurance. Same login — different site.
Arthur, 74, from Kingston, Ontario. Arthur had been receiving OAS for four years when he changed banks. He called his new bank to set up all his incoming deposits — but he did not know that his OAS payment was handled separately, through Service Canada. His first OAS cheque went to his old account, bounced back to the government, and sat there for six weeks while Arthur assumed it was simply "late."
His daughter helped him log in to My Service Canada Account. In three minutes, they found the pending payment, updated his direct deposit to the new bank, and requested the held payment be re-issued. The money arrived the following week.
"I had no idea this existed," Arthur said. "I thought you had to call — and the wait times have been terrible."
What You Can Do in My Service Canada Account
- View your CPP and OAS payment schedule — see the exact date and amount of your next payment, and all future scheduled payments.
- Update your direct deposit — change which bank account your CPP and OAS go to. Critical when you change banks.
- Download your tax slips (T4A and NR4) — the tax forms you need to file your income taxes, available the moment Service Canada issues them in February.
- View your CPP Statement of Contributions — your full earnings and CPP contribution history, which determines your eventual pension amount.
- Apply for CPP — if you have not yet started receiving CPP, you can apply online through this account (ages 60–70).
- Apply for OAS — if you have not yet applied for Old Age Security (eligible at age 65), you can apply here.
- Manage Employment Insurance — if you are currently receiving EI, report your earnings and manage your claim here.
- Update your address and contact information — so Service Canada can reach you when needed.
How to Register
If you have already set up a GCKey or signed in to CRA My Account through your bank, you can use the same login here. No new account needed.
Option A: Sign In With Your Bank (Easiest)
Registering through your bank:
Option B: Use Your GCKey
If you created a GCKey for CRA My Account, use that same username and password here. Go to mysca.service.canada.ca, click "Continue to GCKey," sign in, and enter your SIN, date of birth, and postal code to verify your identity.
You are in. Your CPP and OAS information is right there on the main screen — no hold music required.
The Three Things to Do First
1. Confirm your direct deposit is correct
2. Check your upcoming payment dates and amounts
3. Download your tax slips (T4A)
CPP and OAS — The Basics
The Canada Pension Plan (CPP) is a monthly retirement benefit you contributed to throughout your working life. The amount you receive depends on how much you contributed and for how long. You can start receiving CPP as early as age 60 (at a reduced amount) or as late as age 70 (at an increased amount). The standard age to begin is 65.
The Old Age Security (OAS) pension is a monthly payment from the Canadian government to most people 65 and older. Unlike CPP, it is not based on your work history — it is based on how long you have lived in Canada as an adult. Most seniors who have lived in Canada for 40 or more years receive the full OAS amount. The monthly OAS payment is adjusted quarterly for inflation.
If your income is low, you may also be eligible for the Guaranteed Income Supplement (GIS) — an additional monthly benefit on top of OAS. GIS eligibility is based on your income from the previous year's tax return. It is also managed through My Service Canada Account and applied for at canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/guaranteed-income-supplement.
Need Help?
Service Canada contact information
Service Canada — CPP and OAS — 1-800-277-9914 (Monday–Friday 8:30am–4:30pm local time)
Employment Insurance — 1-800-622-2732
To find a Service Canada Centre near you: canada.ca — Find a Service Canada Centre
Scam warning: Service Canada will never call and ask for your SIN, banking information, or demand immediate payment. If you receive such a call, hang up and report it to the Canadian Anti-Fraud Centre at 1-888-495-8501.
You can now view and manage your CPP and OAS payments online — any time, without waiting on hold.
Check your direct deposit once a year, download your T4A slips in February, and never wonder when your next payment is arriving.
Quick Answers
My Service Canada Account (MSCA) is the Government of Canada's online portal for managing CPP, OAS, Employment Insurance, and other Service Canada benefits. It is separate from CRA My Account, which handles taxes and refunds.
Yes. A GCKey can be used for both portals. If you sign in through your bank (Sign-In Partner), that also works for both. You do not need to create separate logins.
CPP and OAS payments are deposited on the third-to-last business day of each month. For exact 2026 payment dates, log in to My Service Canada Account or visit canada.ca/cpp-payment-dates. Payments are always direct deposit (or cheque if you have not set up direct deposit).
Log in to My Service Canada Account first — check your direct deposit banking information is current. If a payment was returned to Service Canada (because your banking details were out of date), it will show as a pending re-issue. If everything looks correct but the payment is missing, call Service Canada at 1-800-277-9914. Do not call back any number that texts or emails you — that could be a scam.
GIS is an additional monthly benefit for low-income OAS recipients. If you are 65 or older and receiving OAS, and your annual income is below the threshold (approximately $22,000 for single people as of 2026), you may qualify. Eligibility is based on your previous year's tax return — this is one reason it is important to file your taxes even if your income is low. Apply at canada.ca or through My Service Canada Account.