Smart Saver Account
Save for longer-term goals and earn a competitive interest rate on every dollar in the account, no matter what your balance3.
|0.400%||Interest on all balances 3|
|$0||Minimum monthly savings requirement for bonus interest|
Is this account right for me?
|Save for long term goals while earning a competitive interest rate3, on every dollar regardless of your balance|
|No monthly fee|
|Includes one transfer from the Smart Saver Account and $5 for each withdrawal or additional transfer out|
|Add as many Smart Saver Accounts as you need|
Recognized for Excellence in Digital Banking for third year in a row
Live Agent & Automated Telephone Banking (Big Five Banks) award winner
BMO Named to the Global 100 Most Sustainable Corporations in the World for Third Straight Year
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Open an account online
Let's get to your goal
At BMO, we believe that money is personal. That's why we bring a human touch to everything we do, from a friendly hello to an intuitive mobile app. We’re here to help in ways both big and small, expected and unexpected.
Because we’re people first—and bankers second—we know what it feels like to be understood, no matter how or where you bank with us.
That feeling you get when you get the help you need, when you need it? That's the BMO effect.
This high interest savings account1 helps you set aside money for short-term goals like vacations, or to establish an emergency fund in case you need it.
The BMO difference
Learn more about switching to BMO