BMO Mobile App: iOS & Android (Canada)
App Overview
The BMO Digital Banking app provides comprehensive mobile banking with advanced features like BMO Total Look account aggregation, Mobile Deposit, and seamless digital wallet integration.
- Platforms: iOS and Android
- Languages: English, French
- Key Features: Biometric login, Mobile Deposit, BMO Total Look, FundsNow, digital wallet support
- Security: Touch ID, Face ID, advanced encryption, Digital Banking Guarantee
- Unique Benefits: Account aggregation, automatic spending tracking, instant fund access
Official Download Links
Key Mobile Features
- Biometric Authentication: Log in quickly with Touch ID or Face ID for secure and convenient access
- Mobile Deposit: Deposit cheques by taking a picture - funds available immediately with FundsNow
- BMO Total Look: View all your accounts (even non-BMO) in one place with automatic spending categorization
- Digital Wallet Integration: Add cards to Apple Pay, Google Pay, or Samsung Pay directly from the app
- Advanced Bill Management: Set up automatic and scheduled payments with smart payment reminders
- Credit Monitoring: Access your credit score and credit history through BMO CreditView
- Smart Alerts: Customize mobile alerts for account activity, bills, and spending patterns
- Account Management: Manage all BMO accounts and cards from your mobile device
FundsNow Feature
BMO's FundsNow feature provides immediate access to deposited funds when using Mobile Deposit, eliminating traditional hold periods for eligible cheques. This feature is particularly useful for time-sensitive transactions.
Known Issues & Workarounds
- Biometric Login Issues: Re-enable Touch ID/Face ID in device settings and re-register in the BMO app
- Mobile Deposit Errors: Ensure proper lighting, steady hands, and all four corners of the cheque are visible
- Total Look Sync Problems: Refresh external account connections and verify login credentials
- Digital Wallet Setup: Ensure device compatibility and follow verification steps completely
- App Performance: Update to the latest version and restart device for optimal performance
Frequently Asked Questions
Is the BMO Mobile Banking app free?
Yes. The app is free to download and use. Standard banking fees may apply for certain transactions depending on your account type.
Do I need a BMO account to use the app?
Yes. You must be a BMO customer with digital banking credentials to access the app's features.
How does BMO Total Look work?
BMO Total Look securely connects to your external accounts (even at other banks) to provide a complete financial picture with automatic spending categorization and budgeting tools.
What is FundsNow?
FundsNow gives you immediate access to funds from eligible cheques deposited through Mobile Deposit, eliminating traditional hold periods.
Can I use the app with digital wallets?
Yes. The app supports adding BMO cards to Apple Pay, Google Pay, and Samsung Pay for convenient mobile payments.
Is my credit score available in the app?
Yes. BMO CreditView provides free access to your credit score and credit monitoring directly within the mobile app.