Smart Saver Account
Offers you a competitive interest rate so that you can save for short and long term goals.
Interest Rate
- % on the entire balance when the balance is $5,000.00 and over27
- % on balances up to $4,999.9927
Features
- Earn a competitive interest rate on all balances27
- Free unlimited transfers from your BMO Smart Saver account to your other BMO accounts through BMO ATM, Online and Mobile Banking, telephone banking, branch, Customer Contact Agent, or by reoccurring transfer between BMO accounts
- Securely view and store your account statements any time online with eStatements
- Access to BMO MoneyLogicTM, an online financial management tool that helps you to view, track and manage your money
Looking for a chequing account in addition to a Smart Saver Account?
Find it here.
 Additional Services and Fees |
 Additional Services and Fees |
The following account transaction fees apply to all personal accounts. These fees are not applicable if one of the Everyday Bank Plans is selected. The Smart Saver Account and the Tax Free Savings Account (TFSA) cannot be included as part of an Everyday Bank Plan.
| Services |
| Self-serve |
| Electronic (per item) |
| Pre-authorized bill payment/debit |
1 free per month. Each additional $5.00. |
| Debit card purchase1 |
N/A |
| Interac Online Debit |
N/A |
| ATM (per item) |
| Cash withdrawal |
$5.00 |
| Funds transfer |
Free unlimited transfers from your BMO Smart Saver account to your other BMO accounts. |
| Electronic bill payment |
N/A |
| Account history inquiry |
$0.85 |
| Telephone Banking (per item) |
| Funds transfer |
Free unlimited transfers from your BMO Smart Saver account to your other BMO accounts. |
| Electronic bill payment |
N/A |
| Account history inquiry |
$0.85 |
| Online Banking (per item) |
| Funds transfer |
Free unlimited transfers from your BMO Smart Saver account to your other BMO accounts. |
| Bill payment |
N/A |
| Cheque drawn on account (per item) |
N/A |
| Assisted-service |
| ATM (per item) |
| Paper bill payment2 |
N/A |
| Branch and Telephone Banking manager (per item) |
| Withdrawal |
$5.00 |
| Funds transfer |
Free unlimited transfers from your BMO Smart Saver account to your other BMO accounts. |
| Bill payment2 |
N/A |
| Account history inquiry |
$5.00 |
| Other Services |
| Account statement / passbook (per month) |
$2.00 |
Fees funded from U.S. dollar accounts will be charged in U.S. dollars.
1Additional fees may be charged by the merchant for use of point-of-sale devices.
2A bill payment handling fee of $1.50 applies where applicable.
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Yes, please take me to the U.S. site
No, I would like to stay on the Canadian site
