If you’re living in Canada and earning income, chances are you’ll need to deal with the Canada Revenue Agency (CRA). Whether you’re filing taxes, checking benefits, or accessing personal income information, having a CRA My Account is crucial.
This guide will walk you through how to register for a CRA individual account, common problems Canadians face while logging in, and some important tips to manage your account in 2025.
What Is CRA My Account?
CRA My Account is an online portal provided by the Canada Revenue Agency that allows individuals to access their personal tax and benefits information securely. It’s fast, easy to use, and saves you from calling or mailing CRA for basic things like checking your tax refund or updating your address.
Setting up your CRA My Account in 2025 is one of the smartest things you can do for your finances in Canada. Whether you’re filing taxes, tracking refunds, or applying for benefits, this portal puts all your important info at your fingertips.
With a CRA My Account, you can:
- View your Notice of Assessment
- Check the status of your income tax return
- View or change direct deposit details
- Apply for benefits and credits (like GST/HST credit, Canada Child Benefit)
- Submit documents
- Access RRSP/TFSA contribution limits
Step-by-Step: How to Register for CRA My Account
Step 1: Choose Your Registration Method
There are two ways to register:
- Option 1: Sign-In Partner (Bank Login)
- Use your online banking credentials (TD, RBC, BMO, etc.)
- Quick access without creating a new CRA ID
- Option 2: CRA Login
- Create a new CRA user ID and password
- Recommended if you prefer not to link banking details
Step 2: Go to the CRA Website
Visit the official website: https://www.canada.ca/en/revenue-agency.html
Then click on “CRA My Account” and choose your login option.
Step 3: Provide Personal Information
You’ll be asked to enter the following:
- Social Insurance Number (SIN)
- Date of birth
- Current postal code
- Line 15000 (or 150) from your recent tax return
Step 4: Wait for Your Security Code
After setting up your CRA My Account, you’ll receive a security code by mail (usually within 5-10 business days). You need this code to fully activate your account.
Step 5: Enter the Security Code
Once you get the code, return to CRA My Account, log in, and enter the code. You’re all set!
Common CRA Login Problems & How to Fix Them
Registering for CRA My Account is usually smooth, but many Canadians run into issues while logging in. Here are the most common problems and how to solve them:
1. Wrong Information Error
If your personal details (like SIN or postal code) don’t match CRA records, your registration may fail.
Solution: Double-check the line number from your tax return and ensure your info matches exactly what CRA has.
2. Forgotten Password or User ID
It’s easy to forget your CRA login credentials if you don’t use the account regularly.
Solution: Use the “Forgot user ID” or “Forgot password” links on the login page. You’ll need your SIN and other details to reset them.
3. Locked Out of Account
Too many failed login attempts can lock you out.
Solution: Wait 24 hours or call CRA’s help line at 1-800-959-8281 during business hours.
4. Delayed Security Code
Sometimes the mailed security code doesn’t arrive within the expected time.
Solution: Wait up to 15 business days. If it still doesn’t arrive, log in with your credentials and request a new one or call CRA support.
5. Error Code 021 or 502
These technical errors can appear due to system outages or browser issues.
Solution: Try again after some time or use a different browser. Clear your cache and cookies or use Incognito mode.
Important Tips for CRA My Account Users (2025 Update)
Keep Your Info Updated
Always update your mailing address, bank details, and phone number to avoid missing benefit payments or tax documents.
Enable Two-Factor Authentication
CRA now supports multi-factor login using a one-time passcode sent to your mobile. It adds extra security.
Monitor for CRA Scams
CRA will never call, email, or text asking for your SIN or credit card number. Always log in to check messages in your secure account.
Use the CRA Mobile App
Download the MyCRA mobile app to access your account on the go, track refunds, or see payment dates.
Why Every Canadian Should Have a CRA Account
Even if you don’t owe taxes, your CRA account helps you:
- Apply for the Canada Carbon Rebate
- Track EI and CERB repayment balances
- View your CPP or OAS contributions
- Access child benefits and credits
It’s your financial dashboard with the government.