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A simpler way to pay

Add your BMO credit or debit card to Apple Pay and enjoy the security and convenience of paying right from your iPhone, Apple Watch or iPad. Pay in store1 or make payments within apps quickly and easily with Apple Pay2.

Visit for a list of eligible devices.

Start by following the three simple steps below.

Step 1 - Add your card

Add your card


Open the Wallet app, tap the + sign in the right corner and follow the onscreen instructions.

Apple Watch

Open the Apple Watch app on your iPhone and select “Wallet & Apple Pay.” Tap “Add Credit or Debit Card” and follow the onscreen instructions.


Open Settings, select “Wallet & Apple Pay,” and then select “Add Credit or Debit Card” and follow the onscreen instructions.

Step 2 - Make a purchase

Make a purchase

In store, hold your iPhone near the payment terminal with your finger on Touch ID. When your iPhone vibrates and beeps, your payment is complete. On the Apple Watch, double-click the side button and hold the display of your Apple Watch up to the payment terminal. Or pay within apps on iPhone or iPad faster by selecting Apple Pay as your payment method and place your finger on Touch ID.

Step 3 - Manage your cards

Manage your cards

You can manage your credit and debit cards used with Apple Pay on your device, including setting your BMO card as your default card preference. Go to Settings, “Wallet & Apple Pay” and tap “Default Card.” Select your BMO card.

You can add up to eight credit or debit cards per device. Learn more at

Secure & Private

Secure & private

To help keep your information safe, a device-specific card number is created for your BMO MasterCard®* card and BMO Debit Card in Apple Pay.

  • You’re protected from unauthorized credit card purchases with MasterCard Zero Liability3
  • You’re protected from unauthorized debit card purchases with our 100% Electronic Banking Guarantee4
  • You can easily keep track of your card activity through the BMO Mobile Banking App.

Learn more about Apple Pay security

  1. Transaction limits may apply. For security reasons, periodically you may be prompted to insert your card and / or enter your PIN when using Apple Pay.
  2. Message and data rates may apply. Contact your wireless carrier for details.
  3. The use of your BMO MasterCard card is governed by your BMO MasterCard Cardholder Agreement. If your card is used without your authorization, you will not be liable if you did not contribute to the unauthorized use; you used reasonable care to safeguard your card and Personal Identification Number (PIN); and you notified us by telephone within twenty-four (24) hours after you learned of the loss, theft or misuse of your card or cheques or after you knew or suspected that someone else knows your PIN. If you don’t meet these criteria, you will be liable for all charges incurred in connection with the unauthorized use.
  4. 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 Under our 100% Electronic Banking Guarantee, you will not be liable for any losses from the unauthorized use of your bank 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.

Apple Pay works with iPhone 6 and later and Apple Watch in stores, and iPhone 6 and later, iPad Pro, iPad Air 2, and iPad mini 3 and later within apps. For a list of compatible Apple Pay devices, see

Apple, the Apple Logo, Apple Pay, iPhone, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is trademark or registered trademark of Cisco in the U.S. and other countries.

®* MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. Used under license.

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