Épargne Placements Québec

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Transfer of registered funds

You can transfer to Épargne Placements Québec registered funds (TFSA, RRSP, RRIF, LIRA, and LIF) held in another financial institution. The transfer will be made between your institution and Épargne Placements Québec and will not in any way affect your contribution room.


Before you request the transfer, make sure that the funds that your financial institution holds are available.

TFSA or RRSP account

For funds held in a TFSA or an RRSP account, you can proceed online through the “Online transactions” section > Operations > Purchases > Characteristics and payment > Payment method > T2033 — Transfer of registered funds between institutions. Once you have entered the information requested, you will be directed to DocuSign to electronically sign the document. The institutions have approved this very secure electronic signature service.

RRIF, LIRA or LIF account

For funds held in another financial institution in an RRIF, LIRA or LIF account, you must contact us by telephone using the contact information on the How to reach us page. Have at hand your participant number, the address of your financial institution, and your account number.

Transfer time

Financial institutions usually take up to six weeks to process your request and transmit the funds to us. The transferring institution will send the funds by cheque by regular mail to Épargne Placements Québec. In the meantime, you can consult your request online through the “Online transactions” section > Summary > Pending transactions.

You will start to accrue interest once Épargne Placements Québec has received the funds.  You will receive at that time a transaction confirmation to inform you that the operation has been completed. If you have not already done so, activate email notifications (“Online transactions” > Profile > Notification) and you will be informed once the transfer has been finalized.

Rate guarantee

For certain products purchased, Épargne Placements Québec offers the better of two rates, i.e., the rate in effect when the request is made to transfer to Épargne Placements Québec, or the rate in effect on the date of receipt of the payment. Consult the Rate guarantee page for details. 

Act now and take advantage of this offer without delay. The terms and conditions can be modified without notice.