BMO Insights - the easy way to manage your money
What are Insights? This free feature in the BMO Mobile Banking App gives you a quick, personalized picture of your day-to-day spending, so you can make better spending decisions. That’s what making real financial progress is all about. BMO Insights are one of the big reasons our mobile app was ranked #1 in Canada for digital money managementfootnote *.
Most popular insights
CashTrack
This award-winning insight uses artificial intelligence to let you know if your account may run out of money in the next seven days. You can then take action to avoid a cash shortfall.
CashTrack
This award-winning insight uses artificial intelligence to let you know if your account may run out of money in the next seven days. You can then take action to avoid a cash shortfall.
Manage your money better with Insights
Save more
Get a heads up when you have enough money to put into savings (without affecting your budget).
Keep an eye on spending
See how much you spend each month and where. Plus, be notified of any changes in your habits.
Make sure there's enough money
Know ahead of time if your balance will cover your upcoming spending and if there's a payment coming up.
Help spot unusual activity
Be aware if a regular deposit hasn't arrived, or if there's a new or higher charge on your account.
Get started with Insights
Insights are automatically generated in your BMO Mobile Banking App – meaning they’re free and don’t require any registration. Just log into the app using your debit or credit card. You’ll get a notification message if you have new insights or scroll down the Home screen to preview your insights.
BMO Mobile App #1 in Insider Intelligence 2022 Rankings
In 2022, BMO’s Mobile Banking App ranked first in Canada for digital money management, account management and alerts.
Not a BMO customer yet?
Get better insight into your spending habits with BMO Insights and other digital features when you open a BMO bank account.
Insights Frequently Asked Questions
The insights feature is available if you are a personal banking customer with a BMO debit card.
No. Insights is a specific feature for the BMO Mobile Banking App. The good news is, if you use online banking, you can download the mobile app and use the same login credentials.
Don’t worry. We don’t share your personal or financial info with third parties. Your details stay secure in our data centres and are only being used to provide your insights.
No. We’ve made it simple by making insights an automatic part of the app. You just need to have the updated version of the BMO app and sign in with your debit card number.
After you sign in to the app, you can tap on the new insights notification bar (if there are new insights), scroll down the Home screen to preview your top insights or tap “View all” to see all your insights.
Insights won’t appear the first time you sign in to the app. Try signing in again, and they should be there.
Transactions are categorized based on the merchant category code (MCC) as well as known information about the merchant.
We analyze your past transactions, balances and account info to generate relevant and personalized insights.
An insight will remain in your insights inbox for 31 days after it was generated.
At this time, no. You’ll only see insights when you sign in with your debit card.
More online banking tools
BMO Alerts
Stay on top of your bank account and credit card activity with text, email or app notifications.
How to get started with Digital Banking
Spend less time banking with digital banking tools that fit into your routine.
Footnote * details BMO ranked #1 in Canada for digital money management, security and card controls, and mobile banking alerts in 2021 Insider Intelligence’s Canada Mobile Banking Emerging Feature Benchmark study.