RESP Withdrawal Checklist

Before you use this checklist

Proof of enrolment is usually required before any EAP.
Ask which dollars are EAP versus contribution withdrawal.
Grant repayment can apply — ask before moving money.

Input Use real family numbers

Replace defaults with the child's age, contribution history, province, school timing, or provider details where the tool asks for them.

Output Compare the next decision

Use the result to decide what to ask the promoter, not as proof of eligibility or investment outcome.

Constraint Confirm before acting

RESP grants, withdrawals, transfers, fees, and school eligibility can depend on provider support and current government rules.

Assumptions and constraints

Review before using the result 0/3 checked

01 Each provider may have its own withdrawal process. 02 Educational assistance payments are generally taxable to the beneficiary. 03 Grant repayment rules can apply in some situations.

Your next step

Use the result above to decide what to read or ask next.

Read the guide Parent control over an RESP

Understand RESP control by separating subscriber rights, contribution ownership, student payments, grant rules, separated-parent coordination, beneficiary changes, provider forms, and death or estate planning caveats.

Read the guide Withdraw RESP money

Plan RESP withdrawals by bucket, first-term limits, the 2026 annual EAP threshold, tax slips, proof of enrolment, student-aid records, provider processing, and unused-money options.

Compare providers RESP Provider Checklist

Confirm fees, grant support, transfers, and withdrawals before opening or moving a plan.

Learn the basics Short RESP course

Follow terms, grants, providers, and withdrawals in order.

Official sources

Managing an RESP Canada.ca · checked 2026-05-27