Lost or stolen credit cards

It can take 7-14 days to receive your new card. If it’s been over 14 days since you requested a new card, please contact us directly at 1-855-825-9237.

Yes, but you will need to contact us directly at 1-855-825-9237 before requesting your new card. If you request your new card within digital banking, you will not be able to request expedited shipping.

Typically, cards are delivered between 7-10 days but can take up to 14 days.

Our card tracker helps you stay updated on your replacement request. In BMO Digital Banking, you’ll see the tracker on the “Manage card” screen for your credit card:

• Lost or stolen card: The tracker appears the day after you request a replacement.
• Damaged card: The tracker appears the same day you make the request.

Once your card ships from our production facility, the tracker will show that update. After that, the “In transit” and “Delivered” statuses displayed are based on estimated delivery timelines.

Please note: we don’t receive real-time updates from USPS for these statuses.

If you find your card after reporting it, you will have to destroy your old card and wait for your new card to arrive.​

Yes, you can lock and unlock your credit card in BMO Digital Banking.

1. Select your credit card
2. Go to Manage Card
3. Click on Lock your Card

When your card is locked, you can still use your card for digital purchases, repeating transactions (like streaming services or gym memberships), and returns. If there are other cardholders on your Account, they can continue using their cards without any restrictions. Additional card activity will continue, including credits, dispute adjustments, payments to your card, Account fees, interest, rewards redemption and certain other exempted transactions.

Please note: There are rare circumstances when a transaction might be approved even when your card is locked, based on how the merchant processes the transaction.

Yes, your digital banking Account access will not be impacted if your card is lost.

If you received a card you didn’t request, make sure to check your existing card isn’t expired or expiring soon. If it’s not, call us at 1-855-825-9237.

If it has been longer than 14 days since you’ve requested a replacement card, call us at 1-855-825-9237 to request a new card and cancel the old card.

Yes, you can contact us directly at 1-855-825-9237 to request your card be shipped to a different address.

No, you do not need to return your damaged card. Instead, you should destroy it.

You can activate your card by logging in to BMO Digital Banking or calling us at 1-855-825-9237.

Your security is important to us. If you think someone used your card without your permission, call us right away at 1-855-825-9237 after you finish replacing your card.

Before you dispute a charge, we strongly recommend you contact the merchant/biller. The merchant contact information can be found within the transaction description on your statement. This could save you time as often merchants are willing to assist in resolving the situation directly with you. If you’re unable to resolve the issue with the merchant, you can call us at the number on the back of your card, or at 1-855-825-9237. You can find more information here: Credit Card Transaction Dispute.