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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Youth & Student Banking

Whether you’re a kid, teen, student or recent graduate, banking should be simple. And it should be free. With BMO, it is.

  • Kids (up to age 12)
    It’s not too early to teach your child the basics of banking. BMO can help.
  • Students (ages 19+)
    BMO provides you with smarter ways to save, spend and manage your money as a student.
  • Teens (ages 13-18)
    Take advantage of FREE banking with BMO and a FREE SPC Card offering discounts from your favourite retailers.

Student Banking: We Get It

Having money lined up for school means more than having a student loan. We get that.
Let BMO help you start off right with advice and tools just for students.

Student Banking

Student banking should be simple. And it should be free. BMO is the only bank to offer free banking during school and after graduation.

Student Line of Credit

Between getting by and having fun, student costs can add up quickly. Make sure you’re ready with a Student Line of Credit.

Credit Cards

A student credit card needs to get it right. With no fee options, AIR MILES®† reward miles or CashBack rewards and plenty of flexibility, we’ve got you covered.


Every student should start the year with a strong financial plan.

1 Applies to the Kids, Teens and Students Discount Programs in the Plus Plan when a Primary Chequing or Premium Rate Savings account is opened. Recent Post Secondary School Graduates are eligible for one year of free banking under the Student Discount Program. Customer is responsible for all the fees of any transactions, services and products not included in the Everyday Banking Plan.
Book your own appointment. Get Started.
Smart Saver Account
Premium Rate Savings Account