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HomePersonal BankingWealth ManagementSmall BusinessCommercialCorporate & InstitutionalAbout BMO

Students & Recent Graduates

BMO can help to make student life more affordable, during school and after graduation, starting with FREE banking20 and a FREE SPC®†† Card so you can enjoy discounts at hundreds of retailers across Canada.

  • Chequing account
    A BMO Chequing Account lets you easily manage your deposits, withdrawals, bill payments, transfers and account inquiries.
  • Credit Card
    The no-fee BMO SPC®†† MasterCard with built-in SPC Card benefits lets you earn AIR MILES®† reward miles or CashBack® rewards.
  • Savings account
    A BMO Premium Rate Savings Account lets you earn interest on your savings while keeping your money accessible.
  • Student Line of Credit
    Student costs can add up. Whether you're an undergraduate, medical or professional student, your BMO Student Line of Credit is there if you need it.

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.

* Includes annual savings on Student Everyday Banking Plan fees, the annual cost of an SPC Card, SPC Card merchant discount savings, and the value of exclusive SPC Card merchant offers for BMO customers. For details, visit