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Customer FAQ’s

 

 



My current BMO Debit Card does not have the Mastercard®* or Interac®+ logo in the front of the card.
How can I get the new BMO Debit Card?

You will receive a new BMO Debit Card when your existing BMO Debit Card needs to be replaced. Your current debit card will not expire and there is no need to proactively request a BMO Debit Card. If you need a replacement BMO Debit Card, you can visit any BMO branch or call 1-877 CALL BMO (225-5266).


What are the features of the new BMO Debit Card?

You can use your new BMO Debit Card to sign in to BMO Online and BMO Mobile Banking, for everyday banking transactions including making purchases in-store with Interac Debit. Your new BMO Debit Card has additional features that will allow you to do even more, including:

 

  • Interac Flash®§: you can now pay for purchases up to $100 quickly and easily by holding your new BMO Debit Card to an Interac Flash enabled terminal, without having to insert your card or enter your PIN.
  • Shop online: you can make debit card purchases directly from your BMO bank account when shopping online, both in Canada and internationally.
  • Shop in-store worldwide: You can make debit purchases directly from your BMO bank account at international merchants that accept Mastercard cards.

My BMO Debit Card has a Mastercard logo and an Interac logo on it. Is it both a credit card
and a debit card?

It is a debit card. Purchases from merchants within Canada are processed through Interac Debit or Interac Flash. However, the Mastercard logo means your BMO Debit Card is accepted anywhere Mastercard is accepted in-store internationally (including the United States) and online with Canadian merchants that accept Debit Mastercard and international merchants that accept Mastercard. All purchases made with the new BMO Debit Card are paid directly from your BMO bank account.


Are there transaction limits for online, phone and mail-order transactions?

Yes, there are daily limits for online, mail order, telephone order and recurring payments. For limits associated with your BMO Debit Card, please call 1-877 CALL BMO (225-5266) or visit your BMO branch.


What currency will my purchase be made in when I shop online internationally?

Your transaction will be made from your new BMO Debit Card in Canadian dollars. The currency exchange rate charged for purchases made with international merchants is the rate charged by Mastercard International on the date the transaction is posted to your account. U.S. dollar transactions will be converted to Canadian dollars based on the current foreign exchange rate and will include an additional fee equal to 2.5% of the converted purchase amount. The mark-up will be included in the exchange rate posted to your account. For foreign currencies other than U.S. dollars, the transaction amount will be converted first to U.S. dollars, then Canadian dollars.


For purchases made internationally, online, on the phone or by mail-order, will the amount be debited
from my bank account right away?

A hold may be applied to your account in the amount of your purchase in Canadian dollars. The hold will be removed when the transaction is debited from your bank account. It will depend on when the merchant processes the transaction and can be up to five-business days. This can lead to a delay in seeing the debit applied to your account. Once the merchant processes the transaction, the hold will be removed, and the amount will be debited from your account. Some merchants may process the transaction right away and in these instances, a hold is not applied to your account.


How do I use my new BMO Debit Card online?

When shopping online:

 

  1. At Canadian retailers, look for Debit Mastercard acceptance at the checkout. Visit mastercard.ca/debit for participating merchants. For international retailers (including the United States), you can use your debit card anywhere Mastercard is accepted.
  2. Enter your 16-digit debit card number and any other card information that is requested, such as the expiry date or the three-digit code found on the back of your debit card.

Which Canadian online merchants accept the Debit Mastercard?

There is a growing list of merchants that accept Debit Mastercard. A list can be found at mastercard.ca/debit.


Can I use Interac Online?

No. Your new BMO Debit Card uses the Mastercard network for online purchases. Online debit card transactions can only be accepted where Debit Mastercard or Mastercard is accepted. In cases where you may have used Interac Online to make a bill payment, you may be able to register and pay your bill through BMO Online or BMO Mobile Banking. If you have any questions about registering a bill payment, please call 1-877 CALL BMO (225-5266).


Can I use the new BMO Debit Card internationally?

Yes, your BMO Debit Card can be used wherever Mastercard is accepted around the world. Depending on where you are, you may be required to enter your PIN and/or sign for the transaction.


Can I use my new BMO Debit Card to set up a recurring payment such as paying a recurring bill?

Yes, just provide the merchant with your BMO Debit Card details as you would with a recurring payment today, and your BMO bank account will be debited – the main difference is now you also have access to any merchant that accepts Mastercard. The merchant will process the transactions using the card information provided, and the transaction will be debited from your BMO bank account.


Can I use my new BMO Debit Card to make reservations for hotel or car rentals?

Yes, just provide the merchant with your BMO Debit Card details as you would if using a credit card to make a reservation. When the merchant calls for an approval of your reservation, you must have the money in your BMO bank account or the reservation approval will be declined. The merchant may place a hold for a pre-authorized amount.


Is my BMO Debit Card safe to use? Am I protected against unauthorized transactions?

Your new BMO Debit Card is protected with safety and security features such as chip and PIN. Learn more at bmo.com/security. Should your debit card be used for unauthorized transactions, you are protected with our 100% Electronic Banking Guarantee.


Are there any additional fees to use the new BMO Debit Card?

We do not charge additional transaction fees when you use your BMO Debit Card for in-store or online purchases. Each transaction is counted as one transaction under your Bank Plan monthly transaction limit. If you use your BMO Debit Card for a cash withdrawal at a non-BMO ATM, additional per-item fees may apply. Visit bmo.com/agreements for a list of fees. Also, some merchants or financial intuitions may apply a surcharge or convenience fee when using your BMO Debit Card for in-store transactions when you withdrawal cash from your bank account.


Do I need to select which bank account the funds will come out of?

  • For Interac Debit transactions within Canada, you can select Chequing or Savings.
  • For Interac Flash transactions, the bank account linked to the Chequing position on your BMO Debit Card will be used. If you don’t have an account linked to the Chequing position, the bank account linked to the Savings position will be used.
  • For international in-store and all online purchases, there is no option to choose the bank account. The account linked to the Chequing position on your BMO Debit Card will be used. If you don’t have an account linked to the Chequing position, the bank account linked to the Savings position will be used.

 

Please note that some savings accounts: Premium Rate Saving, Smart Saver, and Savings Builder accounts are not eligible for purchases made with your BMO Debit Card.


Can I link my U.S. dollar bank account to my new BMO Debit Card?

You can link your U.S. dollar bank account to your BMO Debit Card to view information. You’re not able use your U.S. dollar bank account for online or in-store debit card transactions.


What is Interac Flash?

Interac Flash is contactless payment technology in your new BMO Debit Card that allows you to pay for purchases up to $100 simply by holding your card to the merchant terminal.


Will Interac Flash work on my card right away?

Interac Flash will be automatically enabled after you make your first successful transaction using your PIN either in store within Canada or at any BMO ATM.


Which merchants accept Interac Flash?

Interac Flash is accepted at a number of Canadian retailers including fast food outlets, gas stations and movie theaters. A list of participating merchants can be found at interac.ca.


Are there any spend limits for Interac Flash?

There is a $100 per transaction limit and a cumulative limit of $300 for Interac Flash transactions. The cumulative limit is the sum of all contactless transactions made with your debit card since the last time you entered your PIN. This limit is reset whenever you use your BMO Debit Card with your PIN. If the limit is reached, you will be asked to insert your card and enter your PIN. This will reset your limit and allow you to continue using Interac Flash on your next eligible transaction.


Is Interac Flash safe?

Yes, it is a safe and secure way to shop. Transactions are covered by our 100% Electronic Banking Guarantee that protects you against unauthorized activity on your accounts. More information about Interac Flash security can be found at interac.ca.


Will I need to use a PIN with Interac Flash?

In most instances, you do not need to enter your PIN when conducting Interac Flash transactions. You may be asked to enter your PIN if the transaction is over the per-transaction or cumulative Interac Flash transaction limits.


Are there any extra fees for using Interac Flash?

No, there are no additional fees. Each transaction will count towards your monthly Bank Plan transaction limit.


Can I use Interac Flash outside of Canada?

No, Interac Flash is for in-store purchases within Canada only, at participating merchants


Is Interac Flash a mandatory feature?

Interac Flash is a safe and convenient optional feature that can be enabled or disabled any time.


Is Interac Flash available on all BMO Debit Cards?

No, this functionality is only available with the new BMO Debit Card that has the contactless logo.



Why did I receive a new BMO Debit Card in the mail when I didn’t request a new one – was there a problem with the debit card?

BMO discovered certain merchant terminals were not able to recognize your existing card, and therefore transactions were being declined in error. We have updated our programming so your new debit card will work at these merchants, and we have mailed you a replacement to ensure you can use your debit card at any Interac point of sale terminal in Canada.


Even if you don’t regularly use your debit card to make purchases or you have not come across any issues, we encourage you to activate this new card so you have a fully functioning debit card. Please activate the card using your current PIN at any merchant POS or BMO ATM machine, and destroy your old debit card after you have activated this new one. We apologize for any inconvenience.



Did BMO legitimately send me this new card, and is this new BMO Debit Card secure?

Be assured your current and new debit cards are completely safe and the security features of your CHIP card has not be impacted. We sent you a new debit card because we found certain merchant terminals were not able to recognize it, and therefore transactions were being declined in error. We have updated our programming so that your new debit card will work at these merchants.



Why did it take BMO this long to identify the issue?

We wanted to make sure we got it right before replacing your new debit card. We gathered feedback from our customers and from merchants to pinpoint the issue, and we’re happy to present your new replacement debit card to you.



Why am I the only one in my household who received a new card?

Only a small number of cards were being declined at certain merchants, and not all cards needed to be replaced.



Will I be able to use this at more merchants online now?

While this new card will fix any potential issues you may have experienced at a merchant terminal, it will not change which merchants you can shop at online. When shopping online at Canadian retailers, look for the Debit Mastercard payment option at the checkout to use your new BMO Debit Card to complete your purchase. Visit http://www.mastercard.ca/debit/Debit_Accepting_Merchants.pdf for some of the participating Canadian online merchants that accept Debit Mastercard for payment. For international online retailers, you can use your new BMO Debit Card anywhere Mastercard is accepted.



®* Mastercard, the Mastercard Brand Mark, and Cirrus are registered trademarks of Mastercard International Incorporated. Used under license.

®† Interac, Interac Flash and the Interac logo are trademarks of Interac Inc. Used under license. The Contactless Indicator is a trademark of EMVCo. LLC. Used under license