The subscriber is the person who opens the RESP contract with the promoter and gives many of the plan instructions. In everyday language this is often a parent, but it can also be a grandparent, guardian, other adult, or in some cases another permitted subscriber.
CRA describes an RESP as a contract involving the subscriber and promoter. Under that contract, the subscriber names one or more beneficiaries and agrees to make contributions for them.
This is why parent control starts with the paperwork. A parent who is not listed as subscriber does not automatically control an RESP just because the beneficiary is their child.
How to check this rule
- Check the RESP application or statement for the legal subscriber name.
- Ask whether there is a joint subscriber and whether both signatures are needed for key instructions.
- Confirm who can make contributions, request transfers, request withdrawals, and change beneficiaries.
- Keep subscriber records with the RESP contribution and grant tracker.
Details that matter
Contract role
The subscriber is a party to the RESP contract with the promoter.
Not always a parent
A subscriber can be a parent, grandparent, guardian, or another eligible person depending on the plan.
Control role
Provider instructions usually come from the subscriber or joint subscriber.
SIN required
CRA says subscribers must provide a SIN to the promoter before CRA can register the RESP.
Example
Example: A grandmother opens an RESP for a child. The child's parent may help decide school plans later, but the grandmother is the subscriber unless the account is changed under the plan rules.
Questions to ask your provider
- Who is the subscriber on this RESP?
- Is there a joint subscriber?
- Can one subscriber act alone?
- Who can request withdrawals, transfers, beneficiary changes, or closure?
Read next
Parent control over an RESP explains the broader decision and links to related tools.
Tool next step
RESP Eligibility Quick Check can help estimate the practical contribution choices before you confirm eligibility with the promoter.
Provider next step
RESP Provider Checklist helps you compare promoters on grant support, fees, and withdrawal process before opening or moving an RESP.