Resources for RESP promoters
Temporary suspension: Saskatchewan Advantage Grant for Education Savings (SAGES)
Disclaimer: RESP promoters
The information on this page is intended for Registered Education Savings Plan (RESP) providers who administer RESPs and education savings incentives
Check this page often for newer versions. If there are discrepancies in the information provided on this page, the applicable laws and regulations listed in the tab below, takes precedence.
Individual RESP promoter training
Did you know that ESDC provides onsite training to individual promoters? If your organization is interested in receiving RESP training at your place of business, please send us a request using the contact form. Here are the course descriptions:
- Course #1: CESP Fundamental Principles
This course offers a detailed walk-through of the purpose, rules and requirements of education savings incentives. This training is ideal for financial advisors, sales representatives, and call-center agents.
- Course #2: Processing of CESP Transactions
(Prerequisite - Course #1: CESP Fundamental Principles)
This course focuses on transactional and system information throughout the production cycle. Participants will be able to apply trouble-shooting techniques and solve common processing problems. Participants for this course typically include system analysts and developers, data integrity and compliance staff, as well as trainers and administrative services staff who interpret error reports.
Group RESP promoter training
Register now! Upcoming training courses for RESP promoters!
ESDC wishes to invite RESP promoters to its facilitated group training in cities such as Toronto, Vancouver and Montreal. Course #1 and course #2 descriptions are available in the individual RESP promoter training section.
This training is offered to representatives of financial institutions that administer the RESP savings incentives available from ESDC. These courses are not intended for the general public.
To register, please complete the contact form and indicate:
- the city,
- the training dates (courses #1 and #2, or course #1 only), and
- the number of participants from your organization (up to 4 participants per promoter).
If you are unable to attend any of the training, please advise us using the contact form link as soon as possible.
|City||Training site||Language||Training dates||Registration Status|
Best Western Plus Suites
|English||Course #1: April 26, 2018
Course #2: April 27, 2018
|Vancouver||The Sutton Place Hotel
845 Burrard Street
|English||Course #1: May 29, 2018
Course #2: May 30, 2018
|Toronto||Joseph Sheppard Building
4900 Yonge Street
|English||Course #1: October 15, 2018
Course #2: October 16, 2018
For alternative arrangements, please inquire using the contact form.
Virtual classroom training
Did you know that ESDC also provides the same onsite training courses listed above to individual promoters using a distance learning internet-based platform (WebEx)? Participants can login as a group (i.e. boardroom) or as an individual from their own desktop. If your organization is interested in receiving RESP training via distance learning, please send us a request using the contact form.
Are you too busy for full-day training? You can register for an upcoming webinar or view a previously broadcasted webinar on specific topics related to the education savings incentives administered by ESDC. These hour-long webinars are delivered via a distance learning internet-based platform (WebEx) so that you can learn from the convenience of your own workstation. New webinars are scheduled throughout the year so check back regularly!
This self-paced, online training is designed to help you learn the basic concepts about education savings incentives, such as the Canada Education Savings Grant, the Canada Learning Bond, and much more. It is also a helpful resource for employees of RESP promoters that only require high-level details, such as tellers and front-line staff, tax and estate planners and file managers.
User guides and publications
User Guides and Publications
- RESP Provider User Guide: Provides information about Registered Education Savings Plans (RESPs) and the education savings incentives administered by Employment and Social Development Canada (ESDC). It also assists the financial industry to successfully complete and submit RESP transactions to the Canada Education Savings Program (CESP) system.
- InfoCapsules: One-page quick-reference documents that explain the RESP and the education savings incentives administered by ESDC.
- InfoBulletins: Provides information about updates and changes to the RESP and the education savings incentives administered by ESDC.
- CESP Statistical Reviews: These reports inform you of the statistics on the incentives offered by the CESP, that is, on RESPs, the CESG and the CLB.
- Understanding Error Codes: Explains error codes generated by the Canada Education Savings Program (CESP) system and provides guidance on how to resolve them.
- Understanding Refusal Reasons: Indicates and explains why refusal reasons are generated by the CESP system for transactions requesting grant or bond, which met all formatting rules, and were processed but did not receive full grant or bond payments.
- Data Operations and Connectivity: Provides detailed information about how to set up secure encrypted bi-directional telecommunications operations between financial institutions and Employment and Social Development Canada (ESDC).
- Industry Testing Guide: Outlines the guidelines and processes for Industry Testing of the CESP system. It should be read in conjunction with the Interface Transaction Standards.
- Interface Transaction Standards: Contains the detailed data formats for electronically exchanging financial and contract transactions with the CESP.
- Production Cut-Off Dates: Provides the production cut-off dates for monthly production runs.
Electronic versions of the forms published by the Canada Education Savings Program (CESP).
ESDC Application form for Education Savings Incentives
The ESDC application for education savings incentives is comprised of a main form and Annexes. The application form is to be used for the Canada Education Savings Grant (CESG), the Canada Learning Bond (CLB), the Saskatchewan Advantage Grant for Education Savings (SAGES) and the British Columbia Training and Education Savings Grant (BCTESG). The Annexes can be downloaded and completed separately.
Application: Canada Education Savings Grant (CESG) and Canada Learning Bond (CLB) (SDE 0093)
This part of the form (the main form) is used by the subscriber of an RESP to apply for the CESG and the CLB.
- If the subscriber or joint subscriber is not the beneficiary’s custodial parent/legal guardian, Annex B must be completed
- If the subscriber or joint subscriber is not the primary caregiver or their spouse, Annex B needs to be completed to request the additional amount of CESG (Additional CESG) and/or the CLB
Annex A – Additional beneficiaries (SDE 0093-A)
The custodial parent/legal guardian can use Annex A when there are multiple beneficiaries named to the same RESP.
- If there are cousins in the RESP, a separate copy of the annex should be completed by each custodial parent/legal guardian for their children
- Note that in order to receive the Additional CESG and/or the CLB, all beneficiaries named to the RESP must be siblings
Annex B – Primary caregiver or their spouse and/or custodial parent/legal guardian (SDE 0093-B)
Annex B must be completed when the subscriber is not the primary caregiver or their spouse and/or the custodial parent/legal guardian of the beneficiary.
If there are cousins in the RESP, a separate copy of the annex should be completed by each primary caregiver or their spouse and each custodial parent/legal guardian (as applicable) for their respective children.
- The custodial parent/legal guardian must complete the annex to provide the beneficiary’s personal information (including the Social Insurance Number), and consent to the use of this information
- The primary caregiver or their spouse needs to complete the annex to request the Additional CESG and the CLB
Annex C – Application: Saskatchewan Advantage Grant for Education Savings (SAGES) (SDE 0093-D)
Annex C is used by the subscriber of an RESP to apply for SAGES for beneficiaries who are residents of Saskatchewan.
- Multiple beneficiaries named to the same RESP can be included directly on Annex C. However, if there is more than one beneficiary named to the RESP, all beneficiaries must be siblings for SAGES to be paid
- For beneficiaries who already have an RESP and for whom a CESP application form has previously been completed (including the old versions), there is no need to complete the full CESP application form again. Only Annex C is required
Annex D – Application: British Columbia Training and Education Savings Grant (BCTESG) (SDE 0093-D)
Annex D is used by the subscriber of an RESP to apply for the BCTESG for beneficiaries who are residents of British Columbia with a custodial parent/legal guardian who is also a resident of British Columbia.
- Multiple beneficiaries named to the same RESP can be included on Annex D. However, if there is more than one beneficiary named to the RESP, all beneficiaries must be siblings for BCTESG to be paid
- For beneficiaries who already have an RESP and for whom a CESP application form has previously been completed (including the old versions), there is no need to complete the full CESP Application Form again. Only Annex D is required
See Appendix A of the RESP Provider User Guide for detailed instructions and checklists for completing this form properly.
RESP Transfer forms
RESP Transfer Form – New ESDC SDE 0100 – Mandatory use date:
February 25, 2019
Prior to February 25, 2019, RESP promoters may use any of the following options:
- Complete Parts A, B and C of the March 2018 version of the transfer form (SDE 0100);
- Complete the December 2012 versions of Form A (SDE 0088), Form B (0089) and Form C (SDE 0090);
- Complete any combination of the three parts of the 2012 and 2018 transfer forms; or,
- Complete the previous RESP transfer form (SDE 0050) in addition to completing areas IV and V of Form B (SDE 0089).
When the relinquishing and receiving plans are administered by the same RESP promoter (using the same business number) the promoter is not required to use the transfer form ESDC SDE 0100.
When the relinquishing and receiving plans are administered by different RESP promoters (using different business numbers) both promoters must use and complete parts A, B and C (and when necessary, Annex 1) of the updated transfer form ESDC SDE 0100.
Part A: Subscriber request (SDE 0100 – Part A)
Annex 1: Additional beneficiaries (SDE 0100 – Annex 1)
Part B: Receiving promoter (SDE 0100 – Part B)
Part C: Relinquishing promoter (SDE 0100 – Part C)
Transfer Form SDE 0088, SDE 0089, SDE 0090
- Download the PDF version of SDE 0088 (1,37 Kb)
- Download the PDF version of SDE 0089 (1,40 Kb)
- Download the PDF version of SDE 0090 (1,42 Kb)
Transfer Form SDE 0050
Request for Waiver of Repayment of Saskatchewan Advantage Grant for Education Savings (SAGES)
To request a waiver of repayment of SAGES grants, the RESP Subscriber should complete this Waiver of Repayment for the active RESP and submit to the Saskatchewan Ministry of Advanced Education within 12 months of the RESP contribution withdrawal date.
Subscriber Statement for an RESP Over-contribution Withdrawal of $4,000 or Less (SDE 0074)
We provide a list of RESP promoters as an information service for the public.
Get on the list
If you are not on the list and wish to be added there are three requirements:
- Your company must have an education savings plan that is registered by the Canada Revenue Agency.
- You must be an active Promoter.
- You must make your request for addition to the list in writing to:
- Canada Education Savings Program
- Employment and Social Development Canada (ESDC)
- 140 Promenade du Portage, Phase IV, Mailstop: Bag 4
- Gatineau, Quebec
- K1A 0J9
- Fax: (819) 654-8703
- Contact us: Canada Education Savings Program
We will need your complete company name and address, telephone number and e-mail address for posting on the list. Your application will be considered by CESP as authorization to make the above information available to the public on our site. You should note that the CESP reserves the right to remove inactive promoters from the list.
Update your information
We encourage all promoters to periodically check their company information on the Promoter List. If your company information has changed since it was posted and you want it updated, please make your request in writing to the program.
Laws and regulations
Applicable laws and regulations
- Income Tax Act
- Canada Education Savings Act
- Canada Education Savings Regulations
- The Saskatchewan Advantage Grant for Education Savings (SAGES) Act
- The Saskatchewan Advantage Grant for Education Savings (SAGES) Regulations
- Special Accounts Appropriation and Control Act
- British Columbia Training and Savings Program Regulation
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