Les fournisseurs de REEE facturent-ils des frais de transfert ?

Answer Certains fournisseurs facturent des frais de transfert sortant. Informez-vous avant d'ouvrir ou de déplacer un régime.

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Compare RESP providers by fees, grants, investment options, transfers, and withdrawals.

Certains fournisseurs de REEE facturent des frais de transfert sortant, des frais de fermeture, des frais de produit ou des frais d'annulation de régime collectif. Canada.ca précise notamment qu'il peut y avoir des frais pour transférer un REEE à un autre promoteur.

La question des frais devrait être plus large qu'un seul poste. Demandez si le fournisseur facture pour transférer, vendre des placements, fermer le compte, annuler un régime collectif, émettre des relevés, ou rembourser les frais si vous transférez d'ailleurs.

Des frais de transfert ne signifient pas automatiquement qu'il vaut mieux rester. Comparez le coût unique aux frais courants, au soutien aux subventions, aux coûts de placement et au service de retrait chez le nouveau fournisseur.

How to check this rule

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01 Request the current written fee schedule from the old provider. 02 Ask the new provider whether it reimburses transfer fees and what conditions apply. 03 Check whether investment sales, group-plan rules, or deferred charges add costs beyond the transfer fee. 04 Compare the fee against future savings or better benefit support. 05 Keep written confirmation of any reimbursement promise.

Details that matter

Fees vary

Transfer fees are set by providers and can differ by account type or product.

Look beyond one fee

Investment sale costs, group-plan penalties, and closure charges can matter too.

Reimbursement is conditional

Some receiving providers may reimburse transfer fees only when minimums or other conditions are met.

Value is not just price

Better grant support or withdrawal service can justify a one-time transfer cost.

Example

Example: The old provider charges a transfer-out fee, but the new provider supports the provincial incentive the child may receive and has lower ongoing fund costs. The family compares the one-time fee with the future benefit and asks for any fee reimbursement in writing.

Questions to ask your provider

What exact transfer-out fee applies to this RESP?

Are there account closure, product redemption, deferred sales, group-plan, or cancellation charges?

Will the receiving provider reimburse the transfer fee?

What minimum balance or timing condition applies to reimbursement?

Can I have the fee answer and current schedule in writing?

Sources to confirm

List of RESP promoters Employment and Social Development Canada · checked 2026-06-17 Choosing the right RESP brochure Employment and Social Development Canada · checked 2026-05-27 Managing an RESP Canada.ca · checked 2026-05-27