Withdrawal and tax questions
How are RESP withdrawals taxed?
Subscriber contribution withdrawals are generally not taxable. Educational assistance payments are generally taxable to the student beneficiary.
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
Subscriber contribution withdrawals are generally not taxable. Educational assistance payments are generally taxable to the student beneficiary.
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Withdrawal and tax 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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