📄 CRA Form T550 – Application for Registration of RSPs, ESPs or RIFs
Form T550 is used to apply for the registration of:
- Registered Retirement Savings Plans (RSPs)
- Education Savings Plans (ESPs)
- Retirement Income Funds (RIFs)
This registration is under section 146, 146.1 or 146.3 of the Canadian Income Tax Act. It is required before a plan can be recognized for tax-preferred status by the Canada Revenue Agency (CRA).
📥 Download the Form
To complete Form T550, you must download the official PDF and open it locally using Adobe Acrobat Reader:
(CRA требует открывать PDF с Acrobat Reader, не в браузере.)
🧑💼 Who Needs Form T550?
This form must be filed by administrators or issuers of plans that intend to register:
- RSP plans under section 146
- ESP plans under section 146.1
- RIF plans under section 146.3
Registration allows these plans to qualify for tax-advantaged treatment under Canadian tax law.
📍 Filing and Submission Options
Current CRA guidelines note that:
- Web Forms filing for T550 may be available via Internet File Transfer (IFT) or within the Registered Plan Administrator Account in CRA My Business Account.
- If IFT/Web Forms are not available, paper filing is required by mail to the Registered Plans Directorate.
Electronic filing options are being updated by CRA, and some systems have been limited or replaced with new secure portals — check the latest CRA guidance.
📋 Preparation Checklist
- Ensure you have the correct plan details and specimen plan number.
- Complete all required fields legibly.
- Attach any supporting documentation as instructed.
- Verify the submission method (mail vs. electronic).
