Beginner questions
Can I open an RESP before a baby is born?
Usually no, because the beneficiary generally needs a Social Insurance Number before the RESP can be opened for them.
Reviewed 2026-05-23
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Source status: this educational answer links to the government, regulator, school, or provider sources used for the current review. It is not personal financial, tax, legal, or investment advice.
Short answer
Usually no, because the beneficiary generally needs a Social Insurance Number before the RESP can be opened for them.
Decision area
Beginner questions
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This answer is designed as a starting point. RESP rules can depend on residency, beneficiary age, income, provider support, plan type, and current government program rules.
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Start an RESP explains the broader decision and links to related tools.
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