Bank of Montreal (BMO) Online Banking in Canada
At‑a‑Glance
- Availability: National (BMO clients across Canada)
- Platforms: Web, iOS and Android
- Languages: English, French
- Key Features: BMO Total Look account aggregation, Mobile Deposit, Touch ID/Face ID login, Apple Pay/Google Pay support
- Security: Digital Banking Guarantee with industry-leading security software
- Unique Benefits: View all accounts (even non-BMO), automatic spending tracking, free credit score monitoring
Key Features
- Account Management: Manage all your BMO accounts and cards from any device so you're in control of your finances
- Bill Payments: Pay bills online with automatic or scheduled payments and analyze your spending with account statements and money‑management tools
- BMO Total Look: See all your accounts (even those outside BMO), create budgets, track spending automatically and set savings goals
- Paperless Banking: Go paperless by accessing statements online and switching accounts to e‑statements
- Money Movement: Send, request and receive money with Interac e‑Transfer, make internal and external transfers, and deposit cheques from your smartphone using Mobile Deposit
- Mobile Features: Log in quickly with Touch ID or Face ID, deposit cheques by taking a picture, get immediate access to funds with FundsNow, pay using Apple Pay, Google Pay or Samsung Pay
- Credit Monitoring: Access your credit score with BMO CreditView and manage mobile alerts
How It Works
- Enroll: Register for BMO Digital Banking with your debit or credit card number
- Download App: Get the BMO Digital Banking app for iOS or Android from official app stores
- Sign In: Use your credentials to access your accounts and set up personalized features
- Set Up Features: Configure automatic bill payments, scheduled payments, mobile alerts, and add your card to Apple Pay/Google Pay
- Start Banking: Deposit cheques by photo, send Interac e‑Transfers, track spending with BMO Total Look, and monitor your credit score
Fees & Limits (Summary)
| Service | Amount | How to Verify |
|---|---|---|
| Monthly account fees | Varies by account type | See BMO account options |
| Interac e‑Transfer fee | Varies by account | View BMO e‑Transfer fees |
| Daily e‑Transfer limit | Not published by provider | Check your account agreement or contact BMO |
| ATM withdrawal limit | Not published by provider | Contact BMO or see your account agreement |
Mobile App (iOS/Android)
BMO offers comprehensive mobile banking apps with advanced features:
Key mobile features include Touch ID/Face ID login, Mobile Deposit for cheque deposits, FundsNow for immediate access to funds, digital wallet integration (Apple Pay, Google Pay, Samsung Pay), and comprehensive account management.
Security & Protection
BMO's digital banking uses best‑in‑class firewalls and industry‑leading security software. The Digital Banking Guarantee ensures you won't pay for unauthorized transactions when you follow security guidelines. Advanced fraud monitoring and secure messaging protect your financial information.
Common Tasks
- Check account balances and transaction history
- Set up automatic and scheduled bill payments
- Deposit cheques by taking a picture with Mobile Deposit
- Send money via Interac e‑Transfer or external transfers
- Track spending and create budgets with BMO Total Look
- Switch to e‑statements and manage paperless banking
- Set mobile alerts for account activity
- Add cards to Apple Pay, Google Pay, or Samsung Pay
- Monitor your credit score with BMO CreditView
Support & Hours
Use the current contact details on the provider’s official website or your bank card. Channel availability and opening hours can change; branch hours may differ.
Frequently Asked Questions
How do I enroll in BMO Digital Banking?
Register online using your BMO debit or credit card number, then download the BMO Digital Banking app to get started.
What is BMO Total Look?
BMO Total Look lets you view all your accounts (even those outside BMO), create budgets, track spending automatically, and set savings goals in one place.
Can I deposit cheques with my phone?
Yes. Use Mobile Deposit to take a picture of your cheque and deposit it directly through the BMO app.
Does BMO support digital wallets?
Yes. You can add your BMO cards to Apple Pay, Google Pay, and Samsung Pay for convenient mobile payments.
Is my credit score available through BMO?
Yes. BMO CreditView provides free access to your credit score and credit monitoring tools.