I Am a Client

How do I activate my Client Space account?

To register and activate an account, you must be the subscriber or beneficiary of an RESP with Universitas. Click on the “MY CLIENT SPACE” section in the box on the right side of the screen.

You can register with or without your ID number. Simply follow the step-by-step registration instructions. It’s easy and convenient!

How do I change my contact or banking information?

Log in to your Client Space; you can then edit your information.

I just received my child’s social insurance number (SIN). How do I send you this information?

The safest way to send us a SIN is through your secure Client Space. Register or sign in to your account using the six-digit ID number you received when you opened your RESP.

Where can I view my RESP account balance?

Your Client Space allows you to follow your account activity, view your current balance, and access all your statements. Everything you need to know about your RESP account is just a few clicks away—anytime, anywhere.

I’d like to make a change to my contract. Who do I contact?

Please contact our Customer Service team to make any of the following changes to your contract:

  • Change of subscriber
  • Change of beneficiary
  • Temporary interruption of contributions
  • Decrease in the amount of your contributions
  • Plan cancellation

Our team is there to listen and support you. Our agents will be attentive to your needs and provide the necessary information and guidance to ensure you make a well-informed decision.

What is an ID?

The ID refers to your personal identification number. Both the subscriber and the beneficiary are issued an ID at the time the scholarship plan is opened. This number is indicated on your account statements and on any correspondence sent by Universitas Financial.

Refund of contributions (ROC)

When should I withdraw my contributions and educational assistance payments?
You can start applying for the refund of your contributions and EAPs as soon as your child enrols in a post-secondary program of study

Certain conditions apply. See our prospectus for more details on eligible programs of study.

. You manage the EAP withdrawals throughout your child’s school career, choosing the amount and timing of your withdrawals. We encourage you to spread the EAPs so these last the entire length of your child’s education.
Read our blog article Smart RESP Withdrawal Strategies to find out more.
What steps must I follow to receive my refund of contributions (ROC)?

Once the plan reaches its maturity date, the subscriber can apply for a refund of contributions (ROC) via his or her Client Space. It's simple, convenient and quick!

What documents must I provide to make sure my beneficiary keeps the grant money accumulated in the RESP?

When the time comes to apply for your refund of contributions, send us one of the following documents to ensure the government grants you have received are kept in the plan:

  • Letter of acceptance (conditional or official) for admission to a post-secondary program
  • Recent proof of enrolment in a post-secondary educational program (issued in the last 6 months)
  • A class schedule for the current or upcoming semester
  • Proof of tuition payment for the upcoming semester
Will I be taxed on the refunded contributions I receive?

No, not one cent!

Only educational assistance payments (EAPs) are considered taxable income for the beneficiary for the year in which they are received. But in most cases, students are in a low tax bracket and therefore pay little or no tax on EAPs.

Educational Assistance Payments (EAPs)

What qualification criteria must I meet to receive educational assistance payments (EAPs)?

The criteria correspond to those of the Income Tax Act (Canada).

The beneficiary can receive EAPs once he or she is enrolled in a qualifying educational program or a specified educational program. The student can attend school in person or be registered in a distance learning program, and is entitled to receive EAPs for up to six months after ceasing enrolment.

  • A qualifying educational program corresponds to full-time studies:
    • The program must last at least three consecutive weeks.
    • The student must spend at least 10 hours per week on courses or work in the program.
  • A specified educational program corresponds to part-time studies:
    • The program must last at least three consecutive weeks;
    • The student must spend at least 12 hours per month on courses or work in the program.
    • The beneficiary must be at least 16 years old.
I’m ready to apply for my first EAP! What steps must I follow?

Once the beneficiary meets the qualification criteria, you can request an EAP. Applications for educational assistance payments must be submitted via the subscriber’s Client Space.

What documents must I submit with my application to receive an educational assistance payment?

You must submit proof of enrolment, issued in the last six months, confirming the beneficiary’s registration in a post-secondary program. 

To ensure acceptance of your document and avoid processing delays, the proof of enrolment you submit must include the following information:

  • name of the beneficiary (student)
  • name of the educational institution and the program of study
  • program’s duration
  • start date of the school term
  • part-time or full-time status
  • number of hours of school per week or month, if the student is registered part-time.

Examples of potential proof of enrolment documents:

  • Academic transcript
  • Letter from the Registrar
  • Certificate of school attendance
  • Personalized timetables of course schedules

Application for the Basic CESG, Additional CESG and CLB - 0093

Mandatory form for all clients wishing to apply for the basic Canada Education Savings Grant (CESG), the additional CESG or the Canada Learning Bond (CLB).

Form PDF

Form – Application for the Basic CESG, Additional CESG and CLB - Annex B

Must be completed when the subscriber is not the primary caregiver and/or the custodial parent/legal guardian of the child.

There are 2 possible scenarios:

  1. The primary caregiver is also the child’s custodial parent or legal guardian: the primary caregiver must complete Annex B.
  2. The primary caregiver is not the child’s custodial parent or legal guardian: the primary caregiver AND the custodial parent/legal guardian must each complete a separate copy of Annex B.
Form PDF

Form – Privacy and Protection of Personal Information

The form Privacy and Protection of Personal Information must be completed by the primary caregiver and/or custodial parent/legal guardian who completes Annex B of the Application for the Basic CESG, Additional CESG and CLB. In all cases where Annex B is completed, the form Privacy and Protection of Personal Information must also be completed and attached thereto.

Form PDF

Form – Application for a Social Insurance Number (SIN)

We remind you that receiving the SIN is mandatory for the registration of your education savings plan and for your child to receive the government grants.

Form PDF

REFLEX Plan and INDIVIDUAL Plan Prospectus

Document also available on SEDAR.com

Document PDF

UNIVERSITAS Plan Prospectus

Document also available on SEDAR.com

Document PDF

Year in review

Report presenting Universitas Financial's highlights of 2018.

Document PDF


  • Current account balance
  • Contract and statements
  • Update contact and banking information
  • Educational assistance payment requests
  • Make additional contributions


With our Stepping Stone Program, Universitas subscribers benefit from 6 hours of consultation annually per family to support their child’s academic success.

Read more