- Education Savings
  Embark Student Plan
  The Embark Student Plan is tailored to your needs. With it, you get industry-leading tools to track, manage and grow your savings, anytime, anywhere.
  Learn more
- Embark Select Conservative Plan
- RESP Gifting
- Activate Your Account
- Plan Transfer Resource Centre
- Corporate RESP
- RESP Calculator
- Career and School Matcher

Give your RESP a boost with a 2% bonus!

Limited time offer! Transfer your RESP to Embark and get a 2% bonus*. Transfer your RESP now.

See why Embark is better

At Embark, education savings and planning is all we do. Our registered education savings plans help you:

Forecast how much their education costs and how much you’ll need based on your goals.
Invest in a plan that automatically adjusts to your child’s age and needs. We’ll take care of everything for you.
Save as much or as little as you want, whenever you want.
Easily request a withdrawal online in minutes.

	Embark	Big 5 Banks¹
Time to open	8 minutes	1 hour²
Minimum investment	$0	More than $400³
Investment fees	1.65%	2.02%⁴
Glide path investment	✓	✗
Intelligent alerts	✓	✗
Personalized goals	✓	✗
RESP gifting	✓	✗
Online withdrawals	✓	✗
Offers from our partners	✓	✗
4.5+ stars on Google	✓	✗

Our low fees help you save more

Saving for your child’s education with Embark can get you $2,000 more on average ⁵ by the time your child goes to post-secondary school.

Transfer to Embark

Chart showing RESP projection on cellphone

Easily track your savings

Say goodbye to having to go into a branch or office to manage and withdraw from your RESP. We’re all digital!

Everyone loves free money! Get notified when you automatically get grants.
Set a savings target, schedule contributions and watch your savings grow.
Access your money online and get real-time updates on requests.

Transfer to Embark

Post secondary allocation breakdown on cellphone

Expertise, guidance and exclusive features

Use our Career & School Matcher to find schools, programs and the requirements that’ll help them land their dream job.
Forecast tuition fees, residence costs, personal expenses and more based on when your child is going to school.
Automatically optimize your investments, focusing on growth when they’re young and protection when they need them.
Find grants and bursaries your child might be eligible for.
… and so much more!

Transfer to Embark

Let’s help you transfer an account

*Terms and conditions apply, please click here to learn more.
Embark RESP Plans are sold by prospectus. For full plan details, please click here.
¹ Big 5 Canadian Banks: BMO, TD, RBC, Scotiabank and CIBC.
² Based on estimated in-branch RESP Onboarding, including completion of new account opening and RESP forms.
³ Average Canadian mutual fund minimum investment. Per 2024 Series A Fund Facts: BMO Targeted Education 2040 Portfolio; BMO Select Trust Conservative.
⁴ Average per 2024 Series A Fund Facts: BMO Targeted Education 2040 Portfolio; BMO Select Trust Conservative Portfolio; RBC Targeted Education Fund 2040; RBC Select Choices Conservative Portfolio; Scotia Selected Balanced Income Portfolio; Scotia Partners Balanced Income; TD Comfort Balanced Growth Portfolio
⁵ Embark Student plan when compared with plan at 2.10% MER for 18 years based on $50 biweekly contribution for 18 years at 5% return.