How to read this directory: Reviewed profiles have source-checked notes. Queued providers are on the review list but still need confirmation. These are not rankings, recommendations, or paid placements.
How to read this directory: Reviewed profiles have source-checked notes. Queued providers are on the review list but still need confirmation. These are not rankings, recommendations, or paid placements.

Filter and compare

Compare reviewed providers

Filter the 10 reviewed profiles by grant support, service model, and fees. Queued providers are excluded until reviewed.

Must support
Service model
Fees

Provider Model CLB QESI BCTESG Annual fee Transfer-out
BMO Investments Inc. advised yes unclear yes $10 $50
BMO InvestorLine Inc. self-directed yes unclear no $50 $135
RBC Direct Investing Inc. self-directed yes unclear yes $100 $135
TD Canada Trust / TD Direct Investing multi-path yes unclear yes Verify $150
Questrade Inc. self-directed yes yes no $0 $150
Wealthsimple multi-path yes unclear yes Verify $0
Embark Student Foundation scholarship-plan yes yes yes Verify $200
CIBC multi-path yes yes yes Verify Verify
Scotiabank multi-path yes yes yes Verify $150
RBC Royal Bank advised yes yes yes $0 $150
National Bank multi-path yes unclear yes Verify $150

Side by side

Compare up to four providers

Tick providers to place them side by side. The link carries only provider names — nothing personal.

Choose up to four

Attribute BMO Investments Inc. BMO InvestorLine Inc. RBC Direct Investing Inc. TD Canada Trust / TD Direct Investing Questrade Inc. Wealthsimple Embark Student Foundation CIBC Scotiabank RBC Royal Bank National Bank
Service model advised self-directed self-directed multi-path self-directed multi-path scholarship-plan multi-path multi-path advised multi-path
Basic CESG yes yes yes yes yes yes yes yes yes yes yes
Additional CESG yes yes yes yes yes yes yes yes yes yes yes
CLB yes yes yes yes yes yes yes yes yes yes yes
BCTESG yes no yes yes no yes yes yes yes yes yes
QESI unclear unclear unclear unclear yes unclear yes yes yes yes unclear
Annual fee $10 $50 $100 Verify $0 Verify Verify Verify Verify $0 Verify
Transfer-out fee $50 $135 $135 $150 $150 $0 $200 Verify $150 $150 $150
Minimum contribution Not published Not published Not published Not published Not published Not published Not published Not published Not published Not published Not published
Reviewed 2026-05-24 2026-05-24 2026-05-24 2026-05-24 2026-05-24 2026-05-23 2026-05-23 2026-06-01 2026-06-17 2026-06-17 2026-09-15

How this comparison works

  • Grant values come from the Canada.ca promoter list (federal grants, BCTESG) and Revenu Québec's provider list (QESI), checked on each profile's review date.
  • Yes means confirmed support; no means confirmed absent; unclear means the evidence conflicts or the workflow needs direct confirmation; unknown means not yet reviewed.
  • Fees are headline figures with conditions in the fee note on each profile — for example, waivers above an asset threshold. Always confirm the exact path before acting.
  • Queued providers are excluded from the table until reviewed. Ticking "Include providers with unverified details" keeps rows whose grant value is unclear or whose fee is unverified, instead of hiding them.
  • This is not a ranking or endorsement. Transparent scoring arrives after at least 20 providers carry structured data.
  • Side-by-side links carry only provider slugs in the URL — nothing personal — so a comparison can be shared.
Reviewed Full profiles

Source-checked notes on grants, fees, transfers, withdrawals, account paths, and comparison cautions.

Queued Research list

Providers added for future review with source cards and questions to ask before making a decision.

Baseline Official lists first

Check Canada.ca for federal and B.C. benefits, and Revenu Québec for QESI when Quebec support matters.

Source checked

Reviewed provider profiles

BMO Investments Inc. Bank / investment dealer reviewed BMO InvestorLine Inc. Self-directed brokerage reviewed RBC Direct Investing Inc. Self-directed brokerage reviewed TD Canada Trust / TD Direct Investing Bank, mutual fund dealer, and self-directed brokerage reviewed Questrade Inc. Self-directed brokerage reviewed Wealthsimple Managed investing and self-directed brokerage reviewed Embark Student Foundation Education savings provider reviewed CIBC Bank / investment dealer / self-directed brokerage reviewed Scotiabank Bank / investment dealer / self-directed brokerage reviewed RBC Royal Bank Bank / mutual fund dealer / branch-advice RESP path reviewed National Bank Bank / brokerage / investment dealer reviewed

Research queue

Providers to compare next

Queued entries are not complete reviews yet. Open one to see the source checklist and the questions to confirm before choosing that provider.

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