Skip navigation

      Navigation Skipped

      Personal Checking Accounts, Debit and ATM Card BMO Debit Mastercard, current page

      BMO Debit Mastercard®

      BMO Debit Mastercard
      No need for checks and safer than cash. Get instant access to your money along with the benefits of a Mastercard® for all your purchase and spending needs.
      Use it everywhere Mastercard® debit cards are accepted.

      Security & Convenience

      Extended
      Warranty

      Get more out of every purchase with these extra benefits.

      Satisfaction Guarantee

       

      Get a full refund for most purchases, up to $250, if the store will not accept a return.  Footnote 1

      Mastercard Global Service

       

      Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, finding an ATM, or card related questions.  Footnote 1

      Extended Warranty

       

      Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind.  Footnote 1

      Fast and convenient ATM access

       

      Unlimited fee-free access at over 40,000 Allpoint® and BMO ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® ATMs in Canada, Mexico, Puerto Rico, the United Kingdom and Australia.  Footnote 2

      Never miss a payment

       

      Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.

       

      Get a full refund for most purchases, up to $250, if the store will not accept a return.  Footnote 1

       

      Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind.  Footnote 1

       

      Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, finding an ATM, or card related questions.  Footnote 1

       

      Unlimited fee-free access at over 40,000 Allpoint® and BMO Harris ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® ATMs in Canada, Mexico, Puerto Rico, the United Kingdom and Australia.  Footnote 22

       

      Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.

      Protect yourself with every purchase

      Zero Liability Protectionexternal icon

       

      You will not be held responsible in the event of unauthorized purchases.  Footnote 3

      Advanced Chip Technology

       

      Get more protection against fraud with every purchase at chip-enabled terminals.

      Mastercard ID Theft Protection

       

      Proactively monitors millions of data points to detect fraud at its inception and alert you so you can take immediate action.  Footnote 1

      Secure Online Transactions

       

      Mastercard SecureCode helps ensure that only you can make online purchases with your card. It's safe, easy and free.  Footnote 1

      BMO Card Monitor

       

      Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.

       

      You will not be held responsible in the event of unauthorized purchases.  Footnote 3external icon

       

      Helps you resolve identity theft.

       

      Get more protection against fraud with every purchase at chip-enabled terminals.

       

      Mastercard SecureCode helps ensure that only you can make online purchases with your BMO Harris Bank Debit Mastercard®. It's safe, easy and free.

       

      Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.

      How it works:

      Online

       

      Shop online safely and conveniently.

      U.S. and international purchases

       

      Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.

      Pay on the go

       

      Make purchases with your smartphone using Apple Pay®, Google Pay and Samsung Pay.

      How it works:

       

      Shop online safely and conveniently.

       

      Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.

       

      Make purchases with your smartphone using Apple Pay®, Google Pay and Samsung Pay.

      How to get your debit card

      BMO Debit Mastercard® is available to all BMO personal banking customers.

      Check out our other Debit Cards

      BMO Bulls, Blackhawks & Bucks Debit Mastercard

      BMO Harris Bulls, Blackhawks & Bucks Debit Mastercard

      For the ultimate fan, carry your team card wherever you go – plus, get team perks!

      BMO Mastercard Gift Card. Footnote 4


      Please note that, as of January 1, 2023, BMO no longer offers BMO Mastercard Gift Cards4 for purchase. If you already have a BMO Mastercard Gift Card, you can continue to use it.

      Find the answers you’re looking for

      Have questions about debit cards?

       

      Log in to your account at bmo.com, navigate to Your Account and Manage debit/ATM cards, Activate Card. You can also call 1-877-547-7994 to activate your card.


      If it’s a replacement debit card, you can also activate your card by simply making a transaction using your existing PIN at any ATM or in store.

       

      Yes, you can easily link your savings account to your debit card. Visit your nearest branch or call 1-888-340-2265 and we’ll be happy to help.

       

      Call us immediately at 1-888-340-2265. Also, review your account for suspicious activity and report any transactions you don’t recognize.

       

      Chip cards have an embedded microchip, which gives you increased protection against fraud every time you use your card at a chip-enabled terminal. Learn more about chip cards.

       

      Your debit card has no annual fee and no fee for purchases. The only exception is if you use your card while traveling in another country, or to make a remote purchase from the United States with a foreign merchant, in which case a foreign transaction fee will apply, regardless of whether a currency conversion is required. If you use your debit card at another financial institution’s ATM, a fee may apply. Please see your Deposit Account Agreement for more information on fees.

       

      Remember, BMO debit card customers get unlimited fee-free transactions at over 40,000 BMO and Allpoint® ATMs nationwide.  Footnote 2

       

      You can use a debit card just like a credit card wherever Mastercard® is accepted. The difference is, when you use a debit card the money is deducted directly from your BMO checking account, so you don’t owe anything after. It’s a great way to manage your money and avoid building up credit card debt.

       

      When you use your debit card to make a purchase, the merchant will request an authorization — in other words, an approval — for the transaction to confirm that your account is open and has enough money in it to cover the amount. A merchant hold or authorization hold simply means that the amount of the purchase has been set aside in your account — it is, ‘on hold’ as a pending transaction. It will stay on hold for up to 3 Business Days if you made the purchase in person, or up to 5 Business Days for online, phone or mail order purchases. Once the transaction goes through, the actual purchase amount will be deducted from your account. It may take several Business Days for the final purchase amount to replace the pending transaction amount on your account.

       

      If you have an issue with a purchase you made, please contact the merchant. If you need further help, please call us at 1-888-340-2265.

       

      Log in to your account at bmo.com, navigate to Your Account and Manage debit/ATM cards, Change PIN.


      You can also request a new PIN by visiting your nearest BMO branch or by calling us at 1-888-340-2265 for assistance. If you know your PIN, you can also change it at any BMO ATM.

       

      When traveling domestically or internationally, you can use your debit card to make purchases anywhere that accepts Mastercard®. To avoid any purchase issues while traveling, we recommend you call us at 1-888-340-2265 and let us know your travel plans and dates of your trip.

      Have more questions?

       

      We're always here to help

      Foot note 1 Details:  Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.

       

      Foot note 2 Details:  Foreign Transaction Fees will apply at Allpoint® ATMs located outside of the United States.

       

      Foot note 3 Details:  Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details

       

      Foot note 4 Details:  Funds on gift cards are NOT FDIC insured.

       

      Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.

       

      Mastercard, Mastercard ID Theft Protection, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.

       

      The Chicago Blackhawks is a trademark of the Chicago Blackhawk Hockey Team, Inc. The Chicago Bulls identifications are the exclusive property of NBA Properties, Inc. and the Chicago Bulls. ©2023 NBA Properties, Inc. The Milwaukee Bucks identifications are the exclusive property of NBA Properties, Inc. and the Milwaukee Bucks. ©2023 NBA Properties, Inc. All rights reserved.

      .

      Get your BMO Debit Mastercard, pop-up window

      Not yet a BMO personal banking customer? We can help with that.

       

      Start by selecting a checking account (you’ll get a chance to add a debit card when opening your account online)

       

      See our checking accounts
      Already a BMO personal checking customer?

       

      Visit a branch

       

      1-888-340-2265