Managing Canadian pensions and benefits outside Canada

• List of countries where direct deposit is offered

If local currency is not supported, payments will be issued by cheque in Canadian dollars.

This list is subject to change depending on the foreign banking arrangements made by the Receiver General of Canada and the Bank of America conversion service.

Your payments will already be converted into the local currency of the country where you live, which may give you a better exchange rate and help you avoid extra banking fees.

Daily changes in currency exchange rates may cause your payment amount to vary each month. This happens even though your entitlement amount in Canadian dollars remains the same.

Your payment currency is determined by the mailing address we have on file.

Once you update your address, future payments will be issued in the local currency—either by direct deposit (where available) or by cheque (if supported in your country). If the country is not eligible for direct deposit or cheques issued in foreign currency, your payments will be made by cheque in Canadian currency.

Depending on the benefits you receive, you can change your mailing address using the options below.

• Online in MSCA (OAS): Change your personal information directly in My Service Canada Account (MSCA)
• Use Service Canada assistance (CPP pension and benefits): Change your personal information by using one of the following options:
  • Request a call back
  • Go in person
  • Contact a call centre

Contact OAS if there is a large increase or decrease in your income.

Old Age Security stops during a federal sentence of 2 years or more. You must contact us in writing to notify us of your release. Your payments will start again the same month you are released.

You can cancel your CPP retirement pension up to 12 months after your first payment.

To submit a request, write a letter and send it by mail.

What to include in your letter:

• Full name
• Social Insurance Number (SIN)
• Date of birth
• Mailing address and telephone number
• A clear statement that you wish to cancel your CPP pension
• The date your CPP payments began (if known)
• Your signature and the date

You can cancel or delay your pension within 6 months of receiving your first payment. To submit a request, write a letter and send it by mail.

What to include in your letter:

• Full name
• Social Insurance Number (SIN)
• Date of birth
• Mailing address and telephone number
• A clear statement that you wish to cancel your OAS pension
• The date your OAS payments began (if known)
• Your signature and the date

Notify us as soon as possible when someone dies to avoid overpayment.

Find out how to cancel CPP benefits and how to cancel Old Age Security on behalf of a deceased person.

The estate and survivors may be eligible to receive other benefits:

• Death benefit: A one-time payment on behalf of the deceased contributor
• Survivor's pension: A monthly payment to the surviving spouse or common-law partner
• CPP children's benefit: A monthly benefit for a dependent child of a deceased CPP contributor