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Getting started

It’s easier than ever to bank on your terms

Smiling young woman signing into mobile banking on her smartphone.

The BMO Mobile Banking App is sporting some great new features that make it easy to take care of your banking from wherever you are. Deposit cheques with a snap of a photo, pay bills and transfer money from the palm of your hand, or send and receive Interac e-Transfers in seconds. As always, you can bank worry-free knowing you’re covered with our 100% Electronic Banking Guarantee.

Stay safe online
We suggest you change your BMO Online & Mobile Banking password and update your security questions every 90 days.

Download the new app today

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Here’s what you can do on mobile!

New. Sign up for Autodeposit. Once registered, Interac e-Transfers will be automatically deposited into your BMO bank account – no security questions or login required.
New. Deposit cheques instantly! Take a photo of your cheque to deposit it into your BMO bank account anytime, from anywhere.
Set up recurring bill payments from your bank account, credit card or line of credit to easily stay on top of your bills.
Apply for a credit card right from your phone using our new customized credit card application.
Check out our easy step-by-step guide on how to pay bills, transfer money, and set up eStatements.

How to get started with mobile banking

FAQs for mobile banking setup

  • Is mobile banking safe?
    Yes, it is. Your privacy and banking details are secure with BMO Mobile Banking. Count on a private and secure experience.
    • No personal or financial information is stored by us on your mobile phone
    • All wireless communications data – sent or received – is encrypted while travelling between your mobile device and our systems
    • As a BMO Mobile Banking customer, you’re covered by our 100% Electronic Banking Guarantee
  • What should I do if my cell phone is lost or stolen?

    First, you should follow the recommended steps of your mobile service provider to report a lost or stolen phone. Second, know that your BMO banking information and accounts are secure.

    • If you're using the BMO Bank Mobile Banking app, there's no need to contact us or change your Personal ID or Password
    • When you get your new phone, simply download the BMO Mobile Banking app again to continue using mobile banking as before
  • 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.

  • How do I sign up for Autodeposit?

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

    1. Sign in to your BMO Mobile Banking App. Select the “More” button at the bottom of your Account Summary screen.
    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. 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.
  • Do I need to do anything to use these new app features?

    If you already bank on the go with the mobile banking app, you simply need to upgrade the app to enjoy these enhancements. If you’re new to mobile banking, visit the app store to download the redesigned BMO mobile banking app today!

Now that you’ve set up online banking, take the next step

Young man paying bills on his smartphone with the BMO Mobile Banking app.

Pay bills

Pay bills from the palm of your hand.
Show me how to pay bills on mobile
Young woman sending an Interac e-Transfer with her smartphone.

Send money

Need to pay someone right now? Send Interac e-Transfer®§ transactions with your phone.
Show me how to send money using mobile banking
Smiling young woman transferring money on her smartphone with BMO mobile banking.

Transfer money

Move your money between accounts whenever, wherever.
Show me how to transfer money