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UNITY FINANCIAL SERVICES

UNITING FAMILIES WITH THEIR GOALS

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💰 Why Haven’t I Received My 2025 Tax Refund? (Or How Long Is the Wait?)

💰 Why Haven’t I Received My 2025 Tax Refund? (Or How Long Is the Wait?)

If you filed your 2025 income tax return and are still refreshing your CRA account hoping for that “Refund issued” update — you’re not alone. Thousands of Canadians are wondering the same thing this year.

At Unity Financial Services, we help clients every day understand CRA timelines, refund delays, and what to do if your tax refund seems stuck in limbo.

🕒 How Long Does a Tax Refund Take in 2025?

Here’s what you can generally expect for CRA refund processing times:

Filing MethodTypical Refund Time (2025)
NETFILE / E-File (online)8–10 business days
Paper Return (mailed)6–8 weeks
Reassessment or Adjusted Return6–12 weeks

⏳ CRA begins processing returns in mid-February each year. If you filed early or had extra slips (like T4A, RRSP, or investment income), you might see a slight delay while they verify everything.

đŸ§Ÿ Top 5 Reasons Your 2025 Refund Is Delayed

  1. Missing or Incorrect Information
    • A wrong SIN, address, or direct deposit info can instantly pause your refund.
    • Log in to My Account to double-check your details.
  2. Your Return Is Under Review
    • CRA randomly selects returns for a pre- or post-assessment review.
    • They may ask for proof of medical expenses, tuition, or deductions like moving expenses or business costs.
  3. Outstanding Balances or Previous Debts
    • If you owe money from previous years, CERB/CRB repayments, student loans, or GST/HST returns, CRA can offset your refund to cover those debts.
  4. Manual Review or Verification Required
    • Returns with new dependents, multiple T slips, or self-employment income often trigger a manual check.
    • It’s normal — but it adds time.
  5. Banking or Direct Deposit Delays
    • Even after CRA issues the refund, banks can take 1–3 business days to deposit it.
    • Check your “Payment Date” inside your CRA account to confirm when it was released.

💡 How to Check Your Refund Status

  • CRA My Account → “Tax Returns” → “View Return Status”
  • CRA MyCRA App → Simple mobile view of refund progress
  • CRA Automated Phone Line → 1-800-959-1956

If it’s been more than 3 weeks (e-file) or 8 weeks (paper) since you filed, you can call CRA to request an update.

💬 Unity Financial Tip

If your refund is delayed every year — it’s time to review how your taxes are filed and what deductions you’re claiming. Filing early, ensuring complete documentation, and using a verified E-File professional can cut weeks off your wait time.

📞 Need Help with Your Tax Return or CRA Review?

At Unity Financial Services, we help Canadians file accurately, maximize refunds, and handle CRA reviews without stress.

Book your free consultation today:
📍 Montreal, QuĂ©bec
📞 438-701-3770
🌐 www.unityfs.ca
✉ info@unityfs.ca