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Smart Saver Account

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Earn our highest savings account interest rate with the BMO Smart Saver Account.

Interest Rate
  • 0.000% on balances up to $4,999.99 **
  • % on balances of $5,000.00 or more **
Features
  • Earn our highest savings account interest rate starting with a balance of just $5,0001
  • Access to BMO MoneyLogic™, an online financial management tool that helps you to view, track and manage your money
  • All deposits and transfers into your account are free.
  • One free banking transfer out of your Bank Account (via online, ATM/telephone banking) per month2
  • Consolidated monthly statement of all bank accounts or select our paperless statements to view your accounts online3
Earn
AIR MILES
Reward Miles
  • Every month you maintain a daily balance of $5,000 or more in your chequing and/or savings account(s), you earn 25% more reward miles on the purchases you make using your
    BMO Gold AIR MILES®† MasterCard®* in the following month4

Terms and Conditions

**= Paid on the entire balance once the minimum balance is reached
Rates shown are calculated on a per annum basis. Rates are subject to change without notice

Banking Agreements

Download the Agreements for Everyday Banking (218 KB - PDF) brochure:
Contains all of the relevant banking agreements that apply to Personal Accounts at BMO Bank of Montreal.

Download the Better Banking Guide (965 KB - PDF) brochure:
Information about Personal Accounts, Everyday Banking Plans, services, fees and more.

Download the Banking Solutions (1 MB - PDF) brochure:
An overview of the various banking solutions BMO provides to our customers.

Download the Chip Technology (284 KB - PDF) brochure:
Information about Chip technology included with our debit cards.

Opening accounts online is now easier.
Premium Rate Savings Account
%*
Smart Saver Account
%**
*up to $59,999.99
**over $5,000