RESP Guide Canada

Sources

Official RESP source library

Primary sources are checked before publishing or refreshing RESP, SEO, and AdSense readiness pages.

Registered Education Savings Plans and related benefits

Current overview of RESP benefits, including note that British Columbia and Quebec offer provincial benefits

Canada.ca · checked 2026-05-23 Open source

How the RESP and related benefits work together

Adult RESP beneficiary notes, adult self-opened RESPs, 18-to-20 CLB access, and eligible post-secondary expense examples

Canada.ca · checked 2026-05-24 Open source

CRA Registered Education Savings Plans overview

RESP basics, tax treatment, plan rules

Canada Revenue Agency · checked 2026-05-23 Open source

How a Registered Education Savings Plan works

Subscriber role, promoter administration, contribution returns, and beneficiary payment flow

Canada Revenue Agency · checked 2026-05-23 Open source

Who can be a subscriber

Who can open or become a subscriber, joint subscriber rules, separated legal parents, and subscriber SIN requirements

Canada Revenue Agency · checked 2026-05-23 Open source

RESP contributions

Contribution limits and excess contribution notes

Canada Revenue Agency · checked 2026-05-23 Open source

Designating a beneficiary

Beneficiary SIN and residency rules, family plan age rule, and change-of-beneficiary over-contribution exceptions

Canada Revenue Agency · checked 2026-05-23 Open source

Canada Education Savings Grant

Basic CESG, additional CESG, age rules, catch-up room

Canada Revenue Agency · checked 2026-05-24 Open source

Notice #1114: Revised income brackets for the additional amount of Canada Education Savings Grant for 2026

Current 2026 adjusted-income thresholds for Additional CESG and confirmation that Basic CESG calculations are unchanged

Employment and Social Development Canada · checked 2026-05-24 Open source

Canada Learning Bond

Canada Learning Bond eligibility and maximum amount

Canada Revenue Agency · checked 2026-05-24 Open source

Canada Learning Bond - Automatic enrolment

Automatic CLB enrolment start date, eligible-child requirements, notification guidance, opt-out timing, privacy note, and older-child request note

Canada.ca · checked 2026-05-24 Open source

Canada Learning Bond brochure for 18 to 20 year olds

Adult beneficiary CLB access, age 18 to 20 timing, no-contribution note, and eligible study examples

Employment and Social Development Canada · checked 2026-05-24 Open source

Opening an RESP and applying for benefits

Plan types, providers, and account opening

Canada.ca · checked 2026-05-24 Open source

How much money benefits could add to the RESP

Current CESG and CLB amounts, carry-forward notes, and age-16/17 eligibility summary

Canada.ca · checked 2026-05-24 Open source

List of RESP promoters

Provider directory, grant support, CLB support, BCTESG support

Employment and Social Development Canada · checked 2026-05-23 Open source

RESP Savings Calculator

External institution tools directory and neutral public RESP savings calculator comparison

Ontario Securities Commission / GetSmarterAboutMoney.ca · checked 2026-05-24 Open source

BMO RESP Calculator

External institution tools directory and bank RESP calculator comparison

BMO · checked 2026-05-24 Open source

TD RESP Calculator

External institution tools directory and bank RESP calculator comparison

TD Canada Trust · checked 2026-05-24 Open source

CIBC tools and calculators

External institution tools directory, including CIBC RESP calculator and student budget calculator entry points

CIBC · checked 2026-05-24 Open source

Desjardins Registered Education Savings Plan page

External institution tools directory, Desjardins Education Savings Calculator link, and Quebec RESP calculator context

Desjardins · checked 2026-05-24 Open source

Embark RESP Calculator

External institution tools directory and RESP provider calculator comparison

Embark · checked 2026-05-24 Open source

iA Financial Group RESP Calculator

External institution tools directory and provider calculator assumptions comparison

iA Financial Group · checked 2026-05-24 Open source

CST Savings RESP page and calculator

External institution tools directory and scholarship plan calculator caution notes

CST Savings · checked 2026-05-24 Open source

Servus Credit Union Education Savings Calculator

External institution tools directory and credit union education savings calculator comparison

Servus Credit Union · checked 2026-05-24 Open source

Innovation Federal Credit Union RESP page

External institution tools directory and credit union RESP calculator entry point

Innovation Federal Credit Union · checked 2026-05-24 Open source

RBC Royal Bank RESP page

External institution tools directory and RBC RESP planning page comparison

RBC Royal Bank · checked 2026-05-24 Open source

ATB RESP Calculator

External institution tools directory and ATB education-savings calculator assumptions

ATB Financial · checked 2026-05-24 Open source

Vancity Education Savings Calculator

External institution tools directory and credit-union education savings calculator assumptions

Vancity · checked 2026-05-24 Open source

Affinity Credit Union Education Savings Calculator

External institution tools directory and credit-union education savings calculator comparison

Affinity Credit Union · checked 2026-05-24 Open source

Stride Credit Union RESP Calculator

External institution tools directory and Manitoba credit-union RESP calculator entry

Stride Credit Union · checked 2026-05-24 Open source

Atlantic Edge Credit Union calculators

External institution tools directory and Atlantic Edge RESP calculator hub

Atlantic Edge Credit Union · checked 2026-05-24 Open source

Mackenzie Investments RESP page and calculator

External institution tools directory, RESP calculator launch point, grants, forms, and provider resources

Mackenzie Investments · checked 2026-05-24 Open source

Educators Financial Group RESP Calculator

External institution tools directory and detailed RESP calculator assumptions

Educators Financial Group · checked 2026-05-24 Open source

Kaleido RESP calculator

External institution tools directory and Quebec-focused RESP calculator context

Kaleido · checked 2026-05-24 Open source

Scotiabank Registered Education Savings Plans page

External institution tools directory and major-bank RESP planning page comparison

Scotiabank · checked 2026-05-24 Open source

RESPs in Canada: Rules and Benefits

External institution tools directory and National Bank RESP planning guide comparison

National Bank · checked 2026-05-24 Open source

Questrade all-in-one RESP guide

External institution tools directory and self-directed brokerage RESP guide comparison

Questrade · checked 2026-05-24 Open source

Qtrade RESP Basics

External institution tools directory and self-directed brokerage RESP account guide comparison

Qtrade Direct Investing · checked 2026-05-24 Open source

Fidelity tools and calculators

External institution tools directory and investment-provider savings calculator hub

Fidelity Canada · checked 2026-05-24 Open source

What is a TFSA

Adult education savings comparison between RESP restrictions and TFSA flexibility

Canada Revenue Agency · checked 2026-05-24 Open source

Canada Education Savings Program: 2024 Annual Statistical Review

Major RESP statistics, including assets, contributions, CESG and CLB take-up, withdrawals, and promoter type shares

Employment and Social Development Canada · checked 2026-05-23 Open source

Survey of Approaches to Educational Planning, 2025

Parent and guardian postsecondary saving behaviour, RESP usage among savers, income differences, and reasons for not saving

Statistics Canada · checked 2026-05-23 Open source

British Columbia Training & Education Savings Grant Information

BCTESG amount, age window, B.C. residency rule, no-contribution note, and use through an RESP

Government of British Columbia · checked 2026-05-23 Open source

Québec Education Savings Incentive

QESI overview, provider-application rule, and official QESI landing page

Revenu Québec · checked 2026-05-23 Open source

Determining the QESI Amount

QESI basic amount, carry-forward amount, additional amount, annual payment timing, and lifetime maximum

Revenu Québec · checked 2026-05-23 Open source

Eligibility Requirements

QESI beneficiary age, SIN, Quebec residency, and beneficiary designation requirements

Revenu Québec · checked 2026-05-23 Open source

How to Apply for the QESI

QESI application process and the three-year application deadline for trustees

Revenu Québec · checked 2026-05-23 Open source

List of RESP Providers

Official list of RESP providers that offer QESI

Revenu Québec · checked 2026-05-23 Open source

Choosing the right RESP brochure

Questions to ask RESP promoters, provider comparison risks, and plan-type review

Employment and Social Development Canada · checked 2026-05-23 Open source

Notice #966 - Saskatchewan Advantage Grant for Education Savings (SAGES) cancellation

Official cancellation dates showing SAGES is no longer open to new applications

Employment and Social Development Canada · checked 2026-05-23 Open source

Canada Student Grants and Loans

Federal student grants and loans, integrated provincial delivery, non-participating jurisdictions, and RESP coexistence

Employment and Social Development Canada · checked 2026-05-23 Open source

Apply with your province or territory

Official list of provincial and territorial student aid offices

Employment and Social Development Canada · checked 2026-05-23 Open source

Canada Student Grant for Full-Time Students

2026-27 full-time Canada Student Grant maximums and family-income thresholds

Employment and Social Development Canada · checked 2026-05-23 Open source

Canada Student Grants and Loans loan agreement

MSFAA notes, notice of assessment, and province or territory contact guidance

Employment and Social Development Canada · checked 2026-05-23 Open source

Repay a student loan

Repayment differences between integrated, separate, and province-run student loans

Employment and Social Development Canada · checked 2026-05-23 Open source

Student lines of credit

Private student line of credit comparison with government student loans

Financial Consumer Agency of Canada · checked 2026-05-23 Open source

Learn about OSAP

OSAP overview, grants and loans, 2026-27 OSAP change notes, and RESP interaction summary

Government of Ontario · checked 2026-05-23 Open source

OSAP definition: Registered Education Savings Plans

OSAP wording for RESP withdrawals, educational assistance payments, and refunds of contribution

Ontario Student Assistance Program · checked 2026-05-23 Open source

2025-26 OSAP application for full-time students

Current OSAP income, asset, and reporting definitions available before the 2026-27 paper application is released

Ontario Student Assistance Program · checked 2026-05-23 Open source

Pay for education using the RESP

RESP withdrawal types, EAP use, eligible education costs, and first-13-week limits

Canada.ca · checked 2026-05-24 Open source

RESP Bulletin No. 1R3

Reasonable and unreasonable Educational Assistance Payment expenses, including living costs, transportation, cars, and property down payments

Canada Revenue Agency · checked 2026-05-23 Open source

RESP payments, transfers, and rollovers

Educational assistance payment eligibility, post-secondary school and program definitions, tax slips, accumulated income payment tax treatment, plan payment types, and RESP-to-RESP transfer rules

Canada Revenue Agency · checked 2026-05-24 Open source

Information Circular IC93-3R2: Registered Education Savings Plans

Technical EAP definitions, distance education treatment, post-secondary program tests, and foreign institution timing rules

Canada Revenue Agency · checked 2026-05-24 Open source

Master list of designated educational institutions

Canadian school designation lookup and warning that a listed school does not make every program eligible

Employment and Social Development Canada · checked 2026-05-24 Open source

RESP accumulated income payments

AIP withholding, RRSP transfer conditions through Form T1171, and T4A reporting

Canada Revenue Agency · checked 2026-05-23 Open source

Form T1171 - Tax Withholding Waiver on Accumulated Income Payments from RESPs

Official RRSP-transfer waiver form for eligible accumulated income payments

Canada Revenue Agency · checked 2026-05-23 Open source

Canada Education Savings Program InfoCapsules: RESP transfers

RESP transfer conditions for CESG, CLB, provincial incentives, partial transfers, and promoter transfer forms

Employment and Social Development Canada · checked 2026-05-23 Open source

InfoCapsule: Overcontributions and Contribution Withdrawals

Technical contribution ownership, contribution withdrawals, CESG repayment, and anti-churning notes

Employment and Social Development Canada · checked 2026-05-24 Open source

BMO RESP overview

BMO RESP plan types, opening process, and general RESP workflow

BMO · checked 2026-05-23 Open source

Transfer your investments to BMO

BMO transfer-in process, timelines, and transfer-fee notes

BMO · checked 2026-05-23 Open source

BMO Investments Inc. Terms and Conditions

BMO Investments RESP account fees, transfer-out fee, MER notes, and payment timing

BMO Investments Inc. · checked 2026-05-23 Open source

BMO InvestorLine FAQ

BMO InvestorLine RESP account availability, self-directed account types, fee-threshold summary, and security types

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine Commission & Fee Schedule

BMO InvestorLine RESP annual administration fee, trading commissions, mutual fund redemption fee, and transfer-out fee

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine Authorization to Transfer Account

BMO InvestorLine transfer-in paperwork, submission channels, transfer timing, and internal-BMO transfer notes

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine RESP withdrawal - EAP and PSE capital

BMO InvestorLine RESP educational withdrawal process, payment methods, first-13-week limits, and receipt requirements

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine RESP withdrawal - non-PSE capital, RRSP rollover, and AIP

BMO InvestorLine non-educational withdrawal, RRSP rollover, grant repayment, and AIP handling

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine self-directed and adviceDirect brochure

BMO InvestorLine RESP plan types and the note that RESPs are self-directed rather than adviceDirect accounts

BMO InvestorLine · checked 2026-05-23 Open source

BMO InvestorLine Self-Directed Client Agreements

BMO InvestorLine RESP written confirmation requirement before first EAP, contribution refund terms, and payment deduction rules

BMO InvestorLine · checked 2026-05-23 Open source

RBC Direct Investing self-directed RESP

RBC RESP account types, investment options, opening path, and general RESP workflow

RBC Direct Investing · checked 2026-05-23 Open source

RBC Direct Investing commissions and fees schedule

RBC RESP trading commissions, maintenance fee conditions, and transfer-out fee

RBC Direct Investing · checked 2026-05-23 Open source

Transfer from another brokerage

RBC transfer-in process, transfer-in fee policy, reimbursement notes, and cash versus in-kind guidance

RBC Direct Investing · checked 2026-05-23 Open source

RESP withdrawal request form

RBC RESP withdrawal process, proof-of-enrolment requirement, and EAP/PSE workflow

RBC Direct Investing · checked 2026-05-23 Open source

RBC Direct Investing RESP family plan text

RBC RESP written refund request timing, EAP conditions, and plan administration terms

RBC Direct Investing · checked 2026-05-23 Open source

TD Canada Trust RESP overview

TD RESP product paths, investment types, and opening workflow

TD Canada Trust · checked 2026-05-23 Open source

Individual or Family RESP: Which is right for you?

TD discussion of individual versus family RESP structures

TD Canada Trust · checked 2026-05-23 Open source

RESP Withdrawal Rules & Limits

TD branch RESP withdrawal process, proof of enrolment, and first-13-week limits

TD Canada Trust · checked 2026-05-23 Open source

TD Direct Investing RESP

TD Direct Investing RESP account type, investments, and withdrawal channels

TD Direct Investing · checked 2026-05-23 Open source

TD Direct Investing Commission Schedule and Statement of Disclosure of Rates and Fees

TD Direct Investing RESP commissions, maintenance fees, transfer-out fee, and RESP currency notes

TD Direct Investing · checked 2026-05-23 Open source

Managing Your Money

TD Direct Investing transfer-in workflow, transfer-fee reimbursement, and recurring deposit process

TD Direct Investing · checked 2026-05-23 Open source

TD Direct Investing RESP Withdrawal Request

TD Direct Investing RESP withdrawal form requirements, proof of enrolment, and payment methods

TD Direct Investing · checked 2026-05-23 Open source

TD transfer authorization for registered and non-registered investments

TD Mutual Funds transfer form mailing instructions and cash versus in-kind transfer options

TD Mutual Funds / TD Asset Management · checked 2026-05-23 Open source

Invest in Registered Education Savings Plans (RESP) with Questrade

Questrade RESP overview, general positioning, and opening path

Questrade · checked 2026-05-23 Open source

Types of Investment Accounts

Questrade RESP and family RESP account-type availability

Questrade · checked 2026-05-23 Open source

Types of Investment Products

Questrade RESP investment options and self-directed product range

Questrade · checked 2026-05-23 Open source

Transaction fees | Self-directed Pricing

Questrade RESP trading commissions, options fees, trade desk fee, and currency-conversion notes

Questrade · checked 2026-05-23 Open source

Administrative fees | Self-directed Pricing

Questrade RESP account fees, transfer-out fee, deregistration fees, and EFT details

Questrade · checked 2026-05-23 Open source

Brokerage transfer in request

Questrade RESP transfer-in workflow, timing, fee reimbursement, and partial-transfer limitation

Questrade · checked 2026-05-23 Open source

Withdrawing from an RESP

Questrade RESP withdrawal forms, upload workflow, AIP process, and banking-document requirements

Questrade · checked 2026-05-23 Open source

Registered Education Savings Plan (RESP)

Wealthsimple RESP overview, managed versus self-directed positioning, and transfer marketing copy

Wealthsimple · checked 2026-05-23 Open source

Open an RESP

Wealthsimple RESP account types, opening path, joint-owner notes, supported grants, and current availability limits

Wealthsimple Help Centre · checked 2026-05-23 Open source

Learn about contributions and grants in your RESP

Wealthsimple RESP grant support, grant application workflow, deposit timing, and QESI/BCTESG notes

Wealthsimple Help Centre · checked 2026-05-23 Open source

Transfer an RESP to Wealthsimple

Wealthsimple RESP transfer-in eligibility, timing, no-partial-transfer limitation, and owner-matching rules

Wealthsimple Help Centre · checked 2026-05-23 Open source

Transfer fee reimbursement policy

Wealthsimple transfer-fee reimbursement minimums, exclusions, and funding-hold condition

Wealthsimple Help Centre · checked 2026-05-23 Open source

Transfer your Wealthsimple account to another institution

Wealthsimple transfer-out initiation rules, restrictions during transfer, and institution details

Wealthsimple Help Centre · checked 2026-05-23 Open source

Supported account transfers and timelines at Wealthsimple

Wealthsimple RESP transfer timelines and account-type transfer support matrix

Wealthsimple Help Centre · checked 2026-05-23 Open source

RESP funding transfer restrictions

Wealthsimple internal RESP transfer limitations, same-beneficiary rule, and QESI handling note

Wealthsimple Help Centre · checked 2026-05-23 Open source

Withdraw from your RESP

Wealthsimple RESP withdrawal forms, proof-of-enrolment requirements, AIP conditions, and processing time

Wealthsimple Help Centre · checked 2026-05-23 Open source

Wealthsimple Investments Inc. Fee Schedule for Trade Accounts

Wealthsimple self-directed RESP commissions, transfer-out fee policy, USD subscription fee, and FX charges

Wealthsimple · checked 2026-05-23 Open source

Wealthsimple Investments Inc. Managed Investing Fee Schedules

Wealthsimple managed RESP asset-based fees, third-party MER explanation, and managed-account FX fee notes

Wealthsimple · checked 2026-05-23 Open source

Management expense ratio (MER) fees for managed investing portfolios

Wealthsimple managed RESP underlying MER ranges by portfolio type

Wealthsimple Help Centre · checked 2026-05-23 Open source

Embark Student Plan

Embark RESP positioning, current MER marketing copy, government-grant workflow, online-withdrawal messaging, and current product-page resources

Embark · checked 2026-05-23 Open source

Embark Student Plan Overview and Fees

Embark glide-path investment approach, ETF-based plan overview, portfolio-manager display, no-sales-charge note, and current MER display

Embark · checked 2026-05-23 Open source

Embark Frequently Asked Questions

Embark account types, grant application workflow, contribution controls, withdrawals, and current fee copy

Embark · checked 2026-05-23 Open source

Transfer your RESP to Embark

Embark transfer-in marketing flow, managed-plan positioning, and online-withdrawal messaging

Embark · checked 2026-05-23 Open source

Plan Transfer Guide for RESP Accounts in Canada

Embark legacy-plan migration notes and current online-account activation workflow

Embark · checked 2026-05-23 Open source

Embark Student Plan Prospectus

Embark July 16, 2025 scholarship-plan disclosure, management-fee language, transfer restrictions, withdrawal rules, cancellation terms, and investment structure

Embark Student Corp. · checked 2026-05-23 Open source

Embark Schedule of Fees and Charges

Embark transfer-out, NSF, cheque, stop-payment, and paper-statement fees

Embark Student Corp. · checked 2026-05-23 Open source

Embark RESP Educational Withdrawal Request

Embark educational withdrawal documentation, proof-of-enrolment requirement, and online-request note

Embark Student Corp. · checked 2026-05-23 Open source

Embark RESP Non-Educational Withdrawal Form

Embark non-educational withdrawal conditions and support-contact workflow

Embark Student Corp. · checked 2026-05-23 Open source

Frequently asked questions for Registered Education Savings Plans

Plain-language explanation of technical RESP terms and promoter obligations

Canada Revenue Agency · checked 2026-05-23 Open source

Managing an RESP

Withdrawals, transfers, and closing RESP plans

Canada.ca · checked 2026-05-23 Open source

T1E-OVP Individual Tax Return for RESP Excess Contributions

RESP excess contribution tax reporting form and filing reference

Canada Revenue Agency · checked 2026-05-23 Open source

Creating helpful, reliable, people-first content

SEO content quality standards

Google Search Central · checked 2026-05-23 Open source

Eligibility requirements for AdSense

Future AdSense readiness

Google AdSense Help · checked 2026-05-23 Open source