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BMO® Mobile Banking Frequently Asked Questions

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How do I start using BMO Mobile Banking?

To use BMO Mobile Banking, simply download the BMO Mobile Banking App on your smartphone and register. The BMO Mobile Banking App is available for download on the Apple* App Store* and Google PlayTM‡ store and can be found by searching for “BMO”. For other touch devices that don’t have an app available, you can still access BMO Mobile Banking through your smartphone browser by entering m.bmo.com. Once you’ve installed the app or logged onto the website, simply sign in with your BMO Debit Card, BMO Debit Card for Business or BMO Mastercard card, along with your current BMO Online Banking password.

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How secure is my information when I use BMO Mobile Banking?

There are several ways that we keep your information secure when using BMO Mobile Banking. For specific details, refer to “How confidential is my account information”, “What information is stored on my smartphone” and “Is BMO Mobile Banking encrypted” section of these FAQs.

You can also learn more about what you can do to help minimize fraud and protect your information.

Also, as with BMO Online Banking, personal banking customers are also protected by our 100% Electronic Banking Guarantee1. If an unauthorized transaction is completed through your BMO Mobile Banking service, we’ll reimburse you 100% for any resulting losses to those accounts. To ensure reimbursement under this guarantee, there are a few steps, as outlined in our Electronic Banking Services Agreement, that you'll need to take to protect your BMO Debit Card and your BMO Online / BMO Mobile Banking password.

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How confidential is my account information?

Like BMO Online Banking, you must provide your BMO Debit Card, BMO Debit Card for Business or your BMO Mastercard card number and password to login to BMO Mobile Banking. For additional protection, you may also be prompted to answer one of your Multi-Factor Authentication questions.

BMO Mobile Banking uses encryption to keep your information secure and confidential and does not store any confidential information on your smartphone. Additionally, BMO Mobile Banking does not send any confidential security information about you or your accounts to or from your smartphone.

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What information is stored on my smartphone?

With BMO Mobile Banking, no confidential information is ever stored on your smartphone.

Note: Do not use notepad-type programs, applications or your address book to store your BMO debit or card number(s) or BMO Mobile Banking password(s) on your smartphone.

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Is BMO Mobile Banking encrypted?

You can be confident that all information sent and received by BMO Mobile Banking is encrypted. Encryption scrambles the information sent to and from your smartphone to prevent the risk of a third-party "listening" in and stealing your information.

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Can I get a computer virus from BMO Mobile Banking?

No. BMO Mobile Banking employs special security features to ensure the data sent to your smartphone is free from malicious software such as viruses.

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Do I have to worry about phishing or smishing on my smartphone?

Phishing emails and texts (also known as smishing) are fake messages that try to get you to reveal your banking information.

    With ANY type of online or mobile banking service you should follow these guidelines:
  • Make sure you know who has sent you a message – if in doubt, delete it.
  • Never click on any links if you are not sure of the sender.
  • Never send any confidential information to anyone through email or text messages.
  • BMO will never send you emails or text messages asking you to confirm your password(s), card numbers, account details or other confidential information.

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What if someone else tries to use my BMO Mobile Banking service?

BMO does not automatically store confidential information on your smartphone. Once you have signed out of your mobile banking session, your accounts can’t be accessed by someone else as long as you have not saved your bank card information on your device. For your added protection, BMO Mobile Banking has been set to timeout your session after 10 minutes of inactivity. As well, if your smartphone has password protection enabled, it would have to be unlocked for someone to be able to access any information on your device.

For another person to access BMO Mobile Banking, they would have to have access to your smartphone and know your BMO Online / BMO Mobile Banking password to gain access to your account(s).

Never share your BMO Mobile Banking password with anyone and never store password(s) on your smartphone.

IMPORTANT: If you have enabled Touch ID to sign in to BMO Mobile Banking, then there must not be any other fingerprint(s) stored on your iPhone* other than your own. If you have Touch ID enabled, anyone with a fingerprint stored on your device will be able to access your BMO Mobile Banking.

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What happens if I change my smartphone service plan or wireless carrier?

In most cases, changes to your service plan or wireless carrier will not impact your BMO Mobile Banking service. However, any changes to your data plan may impact costs associated with accessing BMO Mobile Banking App or the website from your smartphone. Contact your service provider to find out more.

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Can I use BMO Mobile Banking when I am travelling and roam to different carriers?

Yes, however you should check to see if your wireless carrier charges roaming fees for your service plan. Please note that BMO Mobile Banking may not be available in all locations, even if you have access to a cellular network (sanctioned countries).

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Are there additional fees or service charges related to using BMO Mobile Banking?

There is no charge to download the BMO Mobile Banking App and we do not charge you to access BMO Mobile Banking. Transactions completed through BMO Mobile Banking may be subject to transaction fees depending on your bank account or Bank Plan. Your wireless carrier may have additional fees associated with web browsing or web services from your smartphone. Contact your wireless carrier or review your mobile contract to find out more.

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Who can I contact for technical support?

If you have technical problems, please write us from within the secure Online Banking Message Centre or by calling us at 1-800-363-9992 and a customer contact agent will be pleased to assist you.

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Can anyone use BMO Mobile Banking?

If you’re a Personal Banking or Small Business Banking customer with a BMO Debit Card, you can sign up for BMO Mobile Banking directly from the app. Personal Banking customers can also access BMO Mobile Banking using their BMO Mastercard if it’s registered with BMO Online Banking. If you’re not currently registered, download the app and sign up now.

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What can I do in the BMO Mobile Banking app?

You can:
  • Open a bank account
  • Apply for a credit card
  • Make one-time or recurring transfers and bill payments
  • Send email money transfers
  • View balances and details for loans, mortgages, and investment accounts
  • Locate a BMO branch or ATM near you

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How do I change the language in the BMO Mobile Banking app?

The BMO Mobile Banking app is available in English and French and launches in the language set on your device. If you have something other than English or French selected, the app will launch in English. To change the language on your device, you’ll need to access your device’s settings. If you don’t use the mobile app, you could also access our mobile site from a browser on your device, where you can switch the language on the sign in screen.

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How do I take advantage of new mobile app features?

As an existing mobile banking customer, you can seamlessly access the new features and enhancements if you accept automatic app updates on your device. If you don’t accept automatic updates or you’re new to BMO Mobile Banking, please visit the app store to get the latest version of the app today!

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Where can I view details on my account including funds on hold?

Select the account you’d like to view and tap the information icon located in the top right corner of the screen.

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Where can I see my available credit for my credit card or line of credit?

Select the account you’d like to view and tap on the information icon located in the top right corner of the screen.

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How do I make a payment, set up a transfer or send an e-Transfer?

You can make a payment or transfer in a few ways:

  1. Tap on a quick action button beside each account on the account summary screen “Home”.

    or,

  2. View more money movement quick action buttons when reviewing your transaction history.

    or,

  3. Tap on “$Move” found in the bottom navigation bar. This provides you with the options to transfer funds between your accounts, pay a bill or send money using nterac e-Transfer.

To try it out, you can access our demo site at https://www.bmo.com/main/personal/ways-to-bank/

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Where can I view previous transactions?

From your account summary on the “Home” screen, click on the account you would like to view previous transactions for. If you’d like to see older transactions, tap on “Filter” to view your transactions by month or a specific timeframe.

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How can I access Account Preview?

Account Preview is a feature available with select iPhone devices enabled with 3D Force Touch technology (also known as peek-and-pop). To access using iPhones, try pressing on an account found on the Home screen. Supported devices include iPhones running iOS 9 and above, starting from iPhones 6s and 6s Plus devices.

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Can I set up an ongoing payment or transfer in the BMO Mobile Banking app?

Yes you can. When making a transfer or payment, tap on “Date” to set up an ongoing frequency.

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Can I sign up for eStatements using Mobile Banking?

Yes! You now have the ability to sign up, view and change eStatement preferences in Mobile Banking. To sign up for eStatements, select your desired account and tap on the information icon located in the top right corner. From there, select “Statement Details” to change your preferences.

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How do I view my eStatements?

To view your current or past eStatements, go to the Account Summary screen and select the info icon in the top right corner. From there, select “Statement Details” for a list of all available statements.

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How do I sign up for Autodeposit?

It’s easy! Sign up by following these simple steps:

  1. 1. Sign in to your BMO Mobile Banking App. Select the “More” button at the bottom of your Account Summary screen.
  2. 2. Choose the Interac e-Transfer link and select “Manage Autodeposit”. Enter your email and pick your account. A validation email will be sent to you.
  3. 3. Any future Interac e-Transfers sent to your registered email address will now be automatically deposited into the account you selected. You’ll receive an email confirmation from Interac letting you know the money has been deposited.

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Is Autodeposit safe to use?

When using the Interac e-Transfer service, the money is transferred using established and secure banking networks. Money never moves through emails – these are simply a way to notify you that money is sent, received, or to provide instructions on depositing. You are also covered by the 100% Electronic Banking Guarantee.

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Where do I find the link to register for Autodeposit in BMO Mobile Banking App?

After signing into BMO Mobile Banking, you can access the registration by selecting “More” and Interac e-Transfer”. Then go to “Manage Autodeposit” and add a new registration.

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Now that I have Autodeposit, how will I know when I receive money?

When money is received through Autodeposit, you’ll get an email from Interac letting you know how much was deposited into your account, and who sent it to you.

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How can I cancel or update my Autodeposit registration?

After signing into BMO Mobile Banking, go to “More”, Interac e-Transfers”, “Manage Autodeposit” where you can see your registrations. By selecting “Edit”, you can update which account the money is deposited into. Select “Delete” to remove the registration.

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Is there a limit to the amount of money I can receive through Interac e-Transfer Autodeposit?

For all Interac e-Transfer®* transactions, including those received through Autodeposit, you can receive up to a maximum of $10,000.00 per 24 hours, $70,000.00 per seven days or $300,000.00 per 30 days.

Touch ID and Face ID for iPhone users

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What is Touch ID?

Touch ID is an Apple biometric fingerprint recognition feature that’s available on select Apple devices. This technology allows users to use their fingerprint to unlock their Apple device instead of using a passcode. You can learn more about Touch ID at apple.ca.

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What is Face ID?

Face ID is an Apple biometric facial recognition feature that’s available on iPhone X iOS 11. This technology allows you to use your facial image to unlock your iPhone X instead of using a passcode. You can learn more about Face ID at apple.ca.

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Who can use Face ID to sign in to BMO Mobile Banking?

You can register for Face ID if you have the latest version of the BMO Mobile Banking app installed on an iPhone X running iOS 11. Face ID Sign In is an opt-in feature for mobile banking customers. Once set up, you can sign into BMO Mobile Banking with your facial image.

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Why use Touch ID or Face ID to sign into BMO Mobile Banking?

Both Touch ID and Face ID are opt-in features that provide full access into BMO Mobile Banking through either the touch of your fingerprint or a quick scan of your face. You’ll be able to perform the same tasks as with password sign in. It’s convenient, accessible, fast and secure.

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Who can use Touch ID to sign in to BMO Mobile Banking?

You can register for Touch ID if you have the latest version of the BMO Mobile Banking app installed on an iPhone 5s, iPhone 6 and 6 Plus+ running iOS 8. Touch ID Sign In is an opt-in feature that is not mandatory to mobile banking customers. Once setup you can sign into BMO Mobile Banking with your fingerprint.

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Is using Touch ID or Face ID sign in secure?

Both Touch ID and Face ID sign in are secure forms of authentication for BMO Mobile Banking iPhone devices. You’re protected by a high level of security with both options. Face ID offers a superior level of security preventing an unauthorized user from unlocking your phone. (https://support.apple.com/en-ca/HT208108)

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How do I set up Touch ID or Face ID for sign in?

You can set up Touch ID or Face ID in iOS Setup Assistant or by tapping Settings > Touch ID/Face ID & Passcode. To set up Touch ID or Face ID, you must first set a passcode. Touch ID and Face ID are both designed to minimize the input of your passcode. However, you need a passcode for additional validation to enrol new fingerprints or your facial image. Visit apple.ca/support for more information on setting up Touch ID or Face ID on your iPhone.

To set up Touch ID or Face ID for BMO Mobile Banking, complete the following steps:

  1. Download or update to the latest version of the BMO Mobile Banking App from the App Store
  2. Sign in with your card along with your Password, and select, “Remember my Card”
  3. Follow the on screen prompts
  4. Read and agree the BMO Touch ID Terms and Conditions

An alternate method to set up Touch ID or Face ID is to add Touch ID or Face ID from the app settings after signing in to BMO Mobile Banking.

The next time you sign in to BMO Mobile Banking, you’ll be able to use Touch ID or Face ID.

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How do I log in if Touch ID or Face ID is not working?

You can sign in with your BMO Mobile Banking password at any time, even with Touch ID or Face ID enabled. If you fail to sign in with Touch ID or Face ID more than three times, you will be required to sign in with your password to access BMO Mobile Banking.

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How do I remove/disable Touch ID or Face ID for sign in?

To remove Touch ID or Face ID for any associated debit or credit card number, sign in to the BMO Mobile Banking app with the associated card number, navigate to app settings, and select disable Touch ID and Face ID on sign in.

Touch ID and Face ID will be disabled and you’ll no longer be able to use Touch ID or Face ID Sign In. You’ll not be prompted to set up Touch ID or Face ID the next time you sign in to BMO Mobile Banking.

If you would like to set up Touch ID or Face ID for BMO Mobile Banking in the future, ensure the BMO card number you’d like to assign to Touch ID or Face ID is not “saved” and follow the steps under “How do I set up Touch ID or Face ID for sign in?”

Note: If you delete and reinstall the BMO Mobile Banking App, the first time you sign-in, you’ll be prompted to set up Touch ID or Face ID on Sign In.

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What happens if my BMO Debit Card or BMO Mastercard number or password changes?

If your BMO Debit Card or BMO credit card number changes, you’ll be required to delete your old BMO card number and set up Touch ID or Face ID with your new card number. The first time you sign in with your new BMO card number, you’ll be asked if you want to set up Touch ID or Face ID. Follow the screen prompts to set up Touch ID or Face ID.

If your password changes, you’ll need to sign in with your new password in order to continue using Touch ID or Face ID. Once you’ve signed in with your new password, the next time you sign in to BMO Mobile Banking, you can use Touch ID or Face ID.

Mobile Cheque Deposit

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What is mobile cheque deposit?

Mobile cheque deposit lets you quickly and conveniently deposit cheques via the BMO Mobile Banking App by simply taking a picture of the front and back of the cheque using the camera on your phone.

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How do I deposit a cheque through mobile?

You can deposit a cheque anytime, anywhere by using your BMO Mobile Banking App and following these simple steps:

  1. Sign in to your BMO Mobile Banking App.
  2. From the Move Money menu, select “Deposit a Cheque”.
  3. Enter the amount of the cheque.
  4. Select the account you want to deposit the cheque to.
  5. Take a picture of the front and the back of the cheque.
  6. Confirm deposit details.

Remember to endorse your cheque by signing your name and writing “For deposit only, account #________” on the back of the cheque.

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What should I do with the cheque after I’ve deposited it?

Write the date and "Deposited" on the front of the cheque. Keep it for 14 days to ensure it clears, then destroy the cheque promptly after the 14-day period and no later than 120 calendar days after the deposit date.

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What can I deposit through the BMO Mobile Banking App?

You can use mobile cheque deposit to deposit cheques, including certified cheques and travelers cheques, money orders, and bank drafts issued by a Canadian financial institution or the federal or provincial governments in Canada, in Canadian dollars, that are payable to you.

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When I deposit my cheque through mobile, will the funds be put on hold?

When you deposit a cheque through mobile cheque deposit, funds may be put on hold in accordance with your account agreement and the BMO cheque hold policy. Upon completing your deposit, if a hold is placed on your deposit, the hold amount and the date the funds will be available will appear in the success message.

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Is there a fee for depositing cheques through the mobile app?

There is no charge to deposit cheques into your personal deposit account. Per-item deposit content fees may apply when you deposit items into a business banking account.

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Can I deposit foreign currency cheques?

No. You can only deposit cheques in Canadian currency issued by a Canadian financial institution, or the federal or provincial governments in Canada through mobile cheque deposit.

* Apple, App Store, iPhone and iOS are trademarks of Apple, Inc., registered in the U.S. and other countries.
™† Trademarks of Google Inc.
™‡/®‡ The Trademarks BlackBerry and BlackBerry App World are owned by Research In Motion Limited and are registered in the United States and may be pending or registered in other countries. Bank of Montreal is not endorsed, sponsored, affiliated with or otherwise authorized by Research In Motion Limited.
1 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. Under our 100% Electronic Banking Guarantee, you will not be liable for any losses from the unauthorized use of your Account or Electronic Banking Services due to circumstances beyond your control. For complete details of your reporting obligations and responsibilities, refer to the Electronic Banking Services Agreement