Embark Reviews 509

Very professional.

Avoid Embark RESP – 17 Years of Trust Betrayed at the Most Critical Time

After 17 years of faithfully contributing to Embark RESP and trusting them with my children's education savings, I am appalled by the level of disorganization, lack of communication, and complete disregard for families relying on timely disbursements for university tuition.

Our son was admitted into a top Canadian university, and we initiated the withdrawal process on July 15, 2025, after uploading the Confirmation of Enrolment as required (Embark does NOT accept admission or acceptance letters – we did our research and followed their protocol). We received an automatic confirmation that the funds were being processed and would be available within 7–10 business days.

Nothing happened.

No funds. No updates. Just a looming tuition invoice from the university.

I emailed contact care and waited over 24 hours – no response whatsoever. Eventually, I called their customer service line and was connected to an agent named Laurence. What followed was an exhausting hour-long call, including being put on hold five times. The conclusion? The Confirmation of Enrolment from Canada's #1 university wasn't "sufficient." We were now being asked to upload an admission letter (which they previously explicitly stated they do not accept) and a timetable.

To make matters worse, Laurence (the Agent) claimed they had emailed us on July 17. We scoured our inbox, junk, spam – nothing. When pressed to confirm that the email was actually sent, the story changed: "I saw a notification the email was sent, but I’m not sure how or when it was sent."

This level of incompetence and confusion is unacceptable – especially after 17 years of commitment to this company. This is our child’s future we are talking about. Embark failed when it mattered most.

I am warning every parent and guardian: DO NOT entrust your RESP with Embark. Their internal systems are broken, their communication is unreliable, and their processes are inconsistent at best. Take your hard-earned savings to a more credible, structured, and transparent organization. You deserve better. Your children deserve better.

For us, we would be transfering the accounts of our kids to other provider becasue they deserve better than Embark!

Zero stars if I could.

Note: I did not share my experience to get a call or email back; the time for that was over. Your company has requested additional information in Timetable and admission letter, which I have provided. All I need from you is to disburse the funds. The enrollment is highly competitive and the payment of tuition is one of the requirements to seal your place. If our son missed the course enrollment due to your company's structural problems, I will drag you to court.

Detailed elaboration

Précise, clear, very helpful with Brahim Titafi. Thank you very much.

Brahim is such a nice and friendly person. He explains everything about your program in a decent way. He knows his work well. For the program itself, I believe it is a great opportunity for us to build a brighter future for our kids.

Milad provided clear and informative answers to my questions. He was knowledgeable and patiently assisted me with activating my daughter’s RESP.

Great service friendly advice
Thanks to Milad Yusufzay he is very polite and professional

Super expérience, vraiment facile de comprendre et mon agent Brahim étais merveilleux :)

Brahim Titafi was extremely kind, patient and resourceful with helping me in setting up my family savings plan for my children. Great experience from start to finish. Very grateful to have his assistance in ensuring the task at hand was completed and with connection and attention to detail.

Je remercie chaleureusement Monsieur Brahim Titafi pour son professionnalisme, sa patience et la qualité de son service lors de l’ouverture de mon compte en ligne. Il a pris le temps de m’écouter, de répondre clairement à toutes mes questions et de m’accompagner avec efficacité. Un excellent service en ligne, je recommande vivement !
Un grand merci MR Brahim Titafi.

I had the absolute pleasure of speaking with an embark specialist named Milad. He was incredibly knowledgeable about products and process and Milad made my information gathering so simple. The process for combining and opening a new account was simply seamless. I could not have asked for a better client / specialist experience. I will be referring my friends and family to Milad and Embark!

Quick to respond on chat, and quick to call me on the phone.

Thank you for proactively Milad.
Hope everything get fixed.
Please improve the customer service support (they should understand the request before attempting a reply).

I have asked them multiple times to stop applying for govt grants for us as we are currently non-residents of Canada, yet every month I get an email saying that government grants have been deposited into our account and then a follow-up email saying there is an issue with the beneficiary and to verify with CRA. Even though they are aware we are not residing in Canada currently, this continues month after month and I have spoken with multiple Embark reps via email and phone. PLEASE FIX THIS and stop applying for govt grants on our behalf.

Well, its been 2 times I have tried to transfer my portfolio to another institution and they keep ignoring them and me.

I like the customer service.
But the financial aspect is still unclear for me given that I am a beginner when it comes to finance investing etc.

He was very nice! Helped me do everything I needed to get my account set up

They make your life difficult by not releasing the funds when you request them. I am still in the process of getting my son's money back. ive sent the enrollment letter 10 times and they keep saying they need it again. Horrible. Big regret signing up with them

al inicio tuve inconvenientes con la aplicacion pero, crei que no iba poder comunicarme con embark, dado que no se hablar ingles, pero me asignaron erika quiroz, fue muy amable y aunque fue en español y se hizo facil fue empatica y paciente a la hora de explicar claramente cada punto y poder incribir mis hijos con ustedes. a las perosnas hispanas que no hablan ingles se las superrecomendaria.

gracias...