Who can be a subscriber

2023 legislative changes

Divorced or separated individuals who are both legal parents can jointly open RESPs for one or more of their children, or move an existing joint RESP to another promoter.

If you are both legal parents of the beneficiary, you and your former spouse or common-law partner can be joint subscribers under an RESP.

Except for family plans, generally, there are no restrictions on who can be the original subscriber under an RESP:

If you are not the original subscriber, you can become a subscriber only if one of the following situations applies:

All subscribers under an RESP have to give their social insurance number (SIN) to the promoter before CRA can register the RESP. Where the subscriber is a public primary caregiver, we request that they provide the promoter with their business number.

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