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Pay Bills

Online Bill Payment

Stay on top of your finances, avoid late fees and say goodbye to cheques by easily and securely paying bills from your online accounts.

How to pay bills online

Keep in mind that it can take up to five business days for the payment to process and be reflected on your bill.

FAQs for online bill payment

  • How do I add a biller/payee?
    To add a biller/payee, sign in to BMO Online Banking and:
    1. Select the Payments & Transfers tab in the navigation menu at the top.
    2. Click Add a Payee in the left hand navigation menu.
    3. Select the Payee Province.
    4. Enter the Payee Name in the text box and select the correct payee/company name from the search results.
    5. Enter your account number as it appears on your bill in the Account Number field.
    6. Enter a Nickname to help you remember this payee for next time.
    7. Click Verify Payee.
    8. You’ll be asked to confirm the payee details. If correct, select Add Payee to continue. You’ll see a confirmation once your request has been submitted.
  • How do I delete a biller/payee?
    To delete a biller/payee, sign in BMO Online Banking and:
    1. Click Payments & Transfers in the navigation menu at the top.
    2. Select Delete a Payee in the left hand navigation menu.
    3. Select the Payee you’d like to delete by clicking on box next to it (you’ll see a checkmark appear).
    4. Click Verify Payees to Delete.
    5. Check that the information is correct.
    6. Click Delete Payee.
    7. You’ll see a confirmation that the payee has been deleted.
  • How do I cancel a bill payment?
    If you paid a bill through BMO Online or Mobile Banking, Telephone Banking or at a branch from a bank account, you can cancel the payment by signing in to BMO Online Banking and:
    1. Click Payments & Transfers in the navigation menu at the top.
    2. Select Cancel a Payment in the left hand navigation menu.
    3. Select the payment you’d like to cancel by clicking on the box next to the item (you’ll see a checkmark appear).
    4. Click Verify Cancellation.
    5. Confirm that you’ve selected the right bill.
    6. Click Cancel Payment.
    7. You’ll see a confirmation that the cancellation is complete.

    Bill payments can be cancelled if the payment was made the same day, before 11:00 p.m. (ET). Bill payments made after 11:00 p.m. (ET) can be cancelled up to 11:00 p.m. (ET) the following day.

    If you missed the deadline to cancel the payment, and would like to request a refund of your payment, follow these steps:
    1. Click Payments & Transfers.
    2. Select Investigate a Bill Payment in the left hand navigation menu.

    Bill payments made at a branch by cash or from your account to a BMO credit card or BMO Line of Credit can be cancelled by visiting the branch.
  • How do I set up a Future Dated Bill Payment?
    To set up a Future Dated Bill Payment, sign in to BMO Online Banking and:
    1. Click Payments & Transfers tab in the navigation menu at the top.
    2. Select Make a Payment in the left hand navigation menu.
    3. Select the account you’d like to pay from.
    4. Select the bill you’d like to pay.
    5. Enter the amount you’d like to pay.
    6. Click the Calendar icon, and select the date you’d like to make the payment.
    7. Select Verify Payment.
    8. Verify or add your email address. If the email is incorrect or you wish to change your email address on file, select “Edit” and then select “Save”.
    9. Click Verify Payment, review the transaction details.
    10. Click Submit Transaction to complete your payment. Your payment will be processed on the scheduled payment date.

    Keep in mind to make sure you have sufficient funds in your account at least one business day prior to the scheduled payment date. An email will be sent to you if your future dated bill payment fails.
  • How do I set up an ongoing payment?

    You can arrange to pay bills to Canadian billers from your bank account, credit card or line of credit on a recurring (aka ongoing) schedule. Choose from weekly, bi-weekly, monthly or other options.

    To set up an ongoing payment, sign in to BMO Online Banking or BMO Mobile Banking and follow the Make a Payment process. When you select the date you’d like to make the payment, you can select to make the payment recurring and the frequency of the payments.

    You can review your ongoing payment schedule and instructions in your Payment History.

  • How far in advance does the payment need to be scheduled?
    Your ongoing payment should be scheduled for at least one day before the payment due date. Keep in mind to make sure you have sufficient funds in your account at least one business day prior to the scheduled payment date.
  • How do I edit or delete an ongoing payment?
    To edit or delete an ongoing (aka recurring) payment, sign in to BMO Online Banking or BMO Mobile Banking, go to your Payments & Transfers tab and look at your Payment History. Select the Scheduled tab to edit or delete a payment instruction.
  • How do I pay my BMO credit card online?
    If you’re paying your BMO credit card, it’s faster to do so by using the Make a Transfer option. To pay BMO credit cards sign in to BMO Online Banking and:
    1. Click Payments & Transfers.
    2. Click Make a Transfer.
    3. Select the account you wish to debit.
    4. Select the BMO credit card you wish to pay.
    5. Enter the amount you want to pay.

    Keep in mind that the funds will be available immediately on your credit card, however your transfer transaction and current balance can take up to three business days to update and display.

Now that you know about online bill payment, take the next step

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Transfer money

Quickly move money between your accounts.
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Send money

Toss the chequebook and send money via Interac e-Transfer®§.
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Get started with mobile banking

When you step out the door, bring your bank with you with the BMO Mobile Banking app.
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