I want to start
the online application

Applying for the Canada Learning Bond takes a few steps. We can make it easy by guiding you through it.

Opening an Registered Education Savings Plan (RESP) account is the first step to receiving the Canada Learning Bond for your child. The SmartSAVER web tool makes it simple and easy for your family to open a no-cost, no mandatory contribution RESP with the financial institution of your choosing, and ensure your child receives the Canada Learning Bond and Canada Education Savings Grant (if eligible).

Are you ready?


I have decided to open an RESP account with my bank

The SmartSAVER web tool can help you open an account at RBC, BMO, CIBC, Scotiabank, TD, or Meridian.  If you wish to open your RESP account with another bank or financial institution, you will need to contact them directly.


I have a Social Insurance Number for myself and my child

If you need to help to apply for a Social Insurance Number, come to one of our select workshops featuring Service Canada staff performing SIN registrations. Click here for register for a workshop.


I’m ready to get started!

Step 1: Complete the WoodGreen registration and the SmartSAVER application

Please complete the form below and we will send you to SmartSAVER to complete the application process.

Smart Saver
Please format A1A 1A1 using a space between the two parts

WoodGreen Community Services does not share your personal information without your permission.

WoodGreen is conducting research to understand how the Canada Learning Bond (CLB) may be improved. We are working with partners at the Government of Canada, University of Toronto and SmartSAVER to do this.

Information provided on this website may be shared with our partners, and used for:

  • providing programs and services
  • research and analysis

Your decision(s) will not affect any WoodGreen services you may receive, either negatively or positively.

See WoodGreen's Privacy Statement for more information.

**The information you provide will serve the purpose of sharing research findings and making service improvements. The information you provide will never affect any of your existing government benefits or result in an administrative decision being made about you or your family.

Step 2: Meet with financial institution - bank or credit union (click to find out more)

Even after completing the SmartSAVER web application, you will still need to attend a brief appointment at your bank or credit union to complete your application and open the RESP account. We want you to feel totally prepared for this appointment, by offering the following recommendations:

  • Download your bank or credit union’s one page flyer and bring it with you to the bank. To avoid any confusion, these flyers help you show your bank the RESP account type that you want to open to receive the Canada Learning Bond, using the bank’s own words and logo.
  • Be ready to ask questions! Click here to see our recommended list of questions to help you learn everything you need about your RESP account.  Don’t feel pressured to sign anything unless you are fully comfortable.

Step 3: Sign application and wait for approval (click to find out more)

Once you leave the bank, the hard work is done!

Now just wait for the applications to be processed and Canada Learning Bond money to appear in the account (if eligible). Don’t worry if it takes a few weeks – the government has to confirm your income level from your tax returns and this takes some time. Feel free to contact your bank, SmartSAVER, or WoodGreen if you have questions or need support.

Remember, you will need to complete your tax return each year to continue to receive your child’s Canada Learning Bond and Canada Education Savings Grant money (if eligible).