Combien de temps prend un transfert de REEE ?

Answer Le délai varie selon le fournisseur, la paperasse, le type de compte, le traitement en espèces ou en nature, et le rapprochement des dossiers de subvention.

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Il n'existe pas de délai de transfert unique pour tout le Canada qui s'applique à chaque fournisseur de REEE. Le délai dépend de l'ancien fournisseur, du nouveau fournisseur, du type de compte, de la qualité de la paperasse, des instructions en espèces ou en nature, de la liquidation des placements et du rapprochement des dossiers de subvention.

Un transfert peut prendre plus de temps si les renseignements du bénéficiaire ne correspondent pas, si les placements doivent être vendus, si un contrat de régime collectif a des règles spéciales, ou si le compte comprend un BEC ou des incitatifs provinciaux nécessitant un traitement supplémentaire.

Évitez d'amorcer un transfert juste avant l'échéance des droits de scolarité ou du loyer, à moins que les deux fournisseurs n'expliquent comment les retraits peuvent être traités pendant le déménagement.

How to check this rule

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01 Ask the receiving provider for its normal RESP transfer-in timeline. 02 Ask the old provider whether anything can delay release of cash or assets. 03 Confirm whether investments will be sold or moved in kind. 04 Avoid new contributions and withdrawals during the transfer unless both providers say how they will be recorded. 05 Follow up if the old provider has sent assets but the new provider has not yet shown grant balances.

Details that matter

Paperwork quality matters

Matching names, account numbers, subscriber details, and beneficiary details can prevent delays.

Asset type matters

Unsupported investments may need to be sold before transfer.

School timing matters

If the student needs money soon, plan the transfer around proof-of-enrolment and EAP timing.

Grant records may lag

The cash or assets and the incentive records may not feel equally instant from the family's point of view.

Example

Example: A parent starts a transfer in August, but the student needs an EAP for September rent. The safer move may be to ask both providers whether the withdrawal should happen before transfer or whether the receiving provider can process it immediately after the transfer arrives.

Questions to ask your provider

What is your usual RESP transfer-in or transfer-out timeline?

What paperwork errors most often delay RESP transfers?

Will any investments need to be sold first?

Can contributions or withdrawals happen while the transfer is in progress?

When will transferred grant and bond records show on the new account?

Sources to confirm

Choosing the right RESP brochure Employment and Social Development Canada · checked 2026-05-27 RESP payments, transfers, and rollovers Canada Revenue Agency · checked 2026-05-27 Managing an RESP Canada.ca · checked 2026-05-27