Other Form RC720

2025 Printable Template

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Form last updated: 03/2024. Please verify this is the current version before use.

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How to fill out a RC720 online?

Follow these steps to complete your RC720 form online.

Step 01

Access Form RC720 in the PDF editor.

Step 02

Fill in all required fields accurately.

Step 03

Indicate the transfer amount, ensuring it does not exceed your unused FHSA participation room.

Step 04

Submit the completed form to your financial institution.

Step 05

The financial institution will process the direct transfer.

Canada Revenue Agency - Form RC720

What is a RC720 used for?

Form RC720 is used for transferring funds from a Registered Retirement Savings Plan (RRSP) to a First Home Savings Account (FHSA) without incurring immediate tax liabilities. This form helps ensure that the transfer adheres to the unused participation limit of the FHSA, facilitating effective management of savings for first-time home purchases.

Who needs to fill out a RC720 form

Individuals with an RRSP who are eligible and wish to transfer funds to an FHSA.

Can I transfer all my RRSP funds to an FHSA?

No, the transfer amount must not exceed your unused FHSA participation room.

Do I need to pay taxes on the transferred amount?

Generally, there are no immediate tax consequences if the transfer is direct and within the participation room.

Can I transfer property from my RRIF to my FHSA?

No, transfers must be made from an RRSP to an FHSA.

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