Open a registered account

Need help opening an account?

Learn how to open an account

Is this Registered Plan right for you? 

Right for you if you:

  • Plan on making a contribution to your RRSP to reduce your taxable income while your investments grow on a tax-deferred basis
  • Understand the maximum you can contribute each year as set by the Canadian Government, which depends on your income
  • Have funds in an RRSP that are eligible for programs that can help you buy your first home or pay for education for you, your spouse, or your common-law partner

May not be right for you if you:

  • Do not have available contribution room
  • Are turning 71 this year - since you can only hold and contribute to an RSP until the year in which you turn 71

Scotia iTRADE makes it easy to apply for most registered account online

  • First Home Savings Account (FHSA)
  • Life Income Fund (LIF)
  • Locked-In Retirement Savings Plan (LRSP)
  • Locked In Retirement Account (LIRA)
  • Restricted Life Income Fund (RLIF)
  • Registered Retirement Income Fund Account (RRIF) 
  • Registered Retirement Savings Plan (RRSP)
  • Spousal Registered Retirement Income Fund Account
  • Spousal Registered Retirement Savings Plan (RRSP)
  • Tax-Free Savings Account (TFSA)

Apply easily online

Start application

Or download the forms to do it offline

Tax-Free Savings Accounts (TFSA)  

A flexible investment account that helps you earn tax-free income

Registered Retirement Savings Accounts (RRSP) 

A tax-efficient way to save for retirement 

Registered Retirement Income Accounts (RRIF)

Provides you with a set yearly income, once you turn 71

Registered Education Savings Plans (RESP) 

An attractive way to save for your child's post-secondary education