Google Pay with BMO
Add your BMO cards to Google Wallet™ and pay across all your devices with ease. It’s safe, secure and accepted worldwide.
Enjoy a faster, safer, easier way to pay
It’s safe and secure
When you pay with Google Pay™, your card number won’t be shared with merchants. Instead, Google Pay sends a virtual account number to the merchant that represents your card.
Widely accepted
Google Pay is accepted worldwide, in-stores, online and in-apps.
Pay with a single tap
Wherever your phone goes, your BMO cards also will be on hand. Tap your Android device on transit, in shops and online.
Guaranteed protection
You’re protected from unauthorized credit card purchases with Mastercard & Visa Zero Liability. You’re also protected from unauthorized debit card purchases.1
Google Pay vs. Google Wallet: what’s the difference?
Google Pay
Google Pay is the actual payment process that happens when you use your BMO card to tap and pay. If you are at a restaurant paying for a meal, you would access your BMO card in your Google Wallet and tap your Android device to use Google Pay.
Google Wallet
Google Wallet is an app that stores your payment cards, loyalty cards, transit passes and more. It acts like a digital wallet where you can securely keep and access your BMO debit or credit card for tap payments, just like a physical wallet.
In short: Google Wallet holds your BMO card, Google Pay is how you use it to pay.
Add your BMO card with the Google Wallet app
Get the app
Install the Google Wallet app today on Google Play.
Add your BMO card
If you have a BMO Personal & Business debit or credit card, you can add your cards by taking a picture or entering details manually.2
You're good to go!
You can now use your BMO card with Google Pay for purchases in stores, online, or in apps where Google Pay is accepted. To use it, open the Google Wallet app. Your card is also available across Google platforms like Google Chrome and YouTube.
Add your BMO card with the BMO Mobile app
Adding your card to Google Wallet takes less than a minute with the BMO Mobile Banking app. Let us show you how:
Step 1: Select your account
Open your BMO Mobile Banking app and select the BMO Personal credit card account you want to add to Google Wallet.3 On the next screen, select Manage.
Step 2: Find and select Google Pay
Scroll down and select the Google Pay option in the menu.
Step 3: Add to Google Wallet
Enter your card security code and select Add to Google Wallet. You now have access to your card on Google Wallet and across all Google platforms like Google Chrome and YouTube. To use it, open the Google Wallet app.
Frequently asked questions
You can pay with your eligible Android Device at any store that accepts contactless or mobile payments. You also can pay in apps or online at available merchants, as well as across Google Properties, such as YouTube or Google Play.
For credit card purchases you can use Google Pay outside of Canada. For debit card purchases Google Pay is available for use in Canada only.
Adding cards through the Google Wallet app: All BMO Personal and Business debit and credit cards can be added except BMO Prepaid Mastercards and Diners Club cards.
Adding cards through the BMO Mobile Banking App: All BMO Personal credit cards can be added except BMO Prepaid Mastercards and Diner Club cards.
Please note: You can only add BMO personal credit cards to your Google Wallet using the BMO Mobile Banking app (this excludes Prepaid Mastercards and Diners Club cards).
If you are looking to add your BMO debit card or business credit card, please use the Google Wallet app.
If only one payment card is added in the Google Wallet app, it will automatically become your default card. If you have multiple payment cards, you can choose which card to use as a default card.
To add your eligible BMO Card as your default card:
- Open the Google Wallet app on your Android device
- Tap and choose the eligible BMO Card you want to use as your default card
- Tap ’Set as default card’
Expiring BMO Debit Card
All your personal & business BMO Debit Cards will remain active and available for purchases using Google Pay until the date of expiry on your plastic cards. When you receive your new replacement Access Card, activate it at an ATM or by making an in-store purchase with your PIN to avoid any interruption. Once activated, you can add it to Google Wallet.
Expiring BMO Credit Card
Your personal & business BMO Credit Cards will remain active and available for purchases using Google Pay until the date of expiry on your plastic cards. You will be mailed a new card and your new card must be activated in order to use your card. Once activated, your new card is ready to use in Google Wallet automatically.
If your BMO Personal or Business Debit Card is lost or stolen:
You can quickly report your debit card as lost or stolen and request a new card through the BMO Mobile Banking app. Just follow these steps:
- Sign into Mobile Banking
- Select your bank account and then ‘Manage Card’ on the account details page (the gear icon)
- Select the ‘It’s lost or stolen’ option
- Review your information and submit
A new debit card will arrive in the mail in six to eight business days. You can also visit your nearest branch or call us at 1-800-361-3361 to report a missing card.
If you think your debit card has been compromised, call us at 1-800-361-3361.
If you're calling from outside North America, you can reach us at 514-881-3845.
If your BMO Personal or Business Credit Card is lost or stolen:
If you think your credit card has been lost, stolen or if you notice unusual activity on your account, notify us as soon as possible. You can quickly and easily report your card as lost or stolen through Online Banking or Mobile Banking. You can also visit your nearest branch to report your missing card.
You have the ability to suspend or remove the ability to pay from your Android device with Google. To learn more, visit the Google Account Help website.
How do I return a purchase made with Google Pay?
Returns with Google Pay work the same as with your physical card—contact the merchant and provide your receipt. Bring the device you used for the purchase, and if needed, you can find the last 4 digits of your virtual account number in the card details screen of the Google Pay app.
Is there a tap limit when I use my BMO Debit Card for Google Pay transactions?
Yes, a per transaction limit of $250 will apply when using your debit card for Google Pay. If you are unsure of how much you will be spending, it is a good idea to carry your BMO Debit Card as back-up.
How secure is Google Pay?
By creating a unique virtual card number for your payment information, your name and full card details are never shown in the app and never shared with the store. If your phone is ever lost or stolen you can easily find, lock, and erase your phone using Google Find Hub. Because you need to unlock your phone before using Google Pay; it is just as secure as using your actual card and PIN.
Will I still collect loyalty rewards?
You will continue to receive all the security, benefits and rewards of your cards. Google Pay can only be used to make purchases. However, you may still need to show the merchant your loyalty card to receive rewards beyond what your credit or debit card offers.
footnote 1 details The use of your BMO Debit Card is governed by the Electronic Banking Services Agreement that is part of the Agreements, Bank Plans and fees for Everyday Banking; available at BMO branches and online at bmo.com/agreements. If your card is used without your authorization, you will not be liable if you did not contribute to the unauthorized use; you used reasonable care to safeguard your card and PIN; you notified us by telephone within twenty-four (24) hours after you learned of the loss, theft or misuse of your card or cheques or after you knew or suspected that someone else knows your pin. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.
footnote 2 details All BMO Personal & Business credit cards except BMO Prepaid Mastercard and Diners Club cards are eligible. All BMO Personal & Business debit cards are eligible, including BMO Nesbitt Burns Debit Card, BMO InvestorLine Debit Card, and BMO Private Banking Debit Cards.
footnote 3 details All BMO consumer credit cards except BMO Prepaid Mastercard and Diners Club cards are eligible. BMO Debit Mastercard are not eligible