BMO Digital Banking 4+

BMO Bank National Association

    • Free



Bank on the go from your iPhone® anywhere, anytime with the BMO Digital Banking app. We’ve updated the design for a cleaner look that’s even more convenient to use! It’s secure¹ and super easy to:
• View account balances and activity
• Sign on even faster using Face ID®
• Access your credit card account alongside your other BMO accounts
• Send money to friends and family with a bank account in the U.S. with Zelle®
• Track your accounts – even if they’re not with us – with BMO Total Look
• Transfer money between your BMO accounts²
• Deposit checks by taking a picture with your iPhone® camera³
• Schedule and manage bill payments
• Turn your debit or ATM card on and off and get real time alerts⁴ – with BMO Card Monitor

Visit to learn more.

¹ Please visit for more details.
² If you make an Internal Transfer on a weekend or holiday, we’ll credit the payment the same day, but we’ll post the payment on the next Business Day.
³ Mobile Deposit is available using the BMO Digital Banking app. This service may not function on older devices. Users must be a BMO Digital Banking customer with a BMO account opened for more than 5 calendar days. Deposits are not immediately available for withdrawal. For details, see the BMO Digital Banking Agreement found at
⁴ Message and data rates may apply. Contact your wireless carrier for details.

Accounts are subject to approval. BMO Bank N.A. Member FDIC

Third party web sites may have privacy and security policies different from BMO. Links to other web sites do not imply the endorsement or approval of such web sites. Please review the privacy and security policies of websites reached through links from BMO web sites.

Copyright 2023, BMO Financial Corp., All Rights Reserved.

iPhone® and Face ID® are trademarks of Apple Inc., registered in the U.S. and/or other countries.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

What’s New

Version 2715977817.1.39

We're always working to improve your banking experience, this update includes:
• Minor bug fixes
Turn on automatic updates so you always bank with the latest features & enhancements

Ratings and Reviews

4.8 out of 5
57.8K Ratings

57.8K Ratings

Mamalinaaa ,


As an employee to a customer, I truly enjoy the BMO APP, by FAR the BEST online app anywhere and along websites. I do understand the glitches and hard lock it occurs but is it truly better than any other bank app/website! I say this because from the two banks I’ve been with their app was fairly easy but it was also very boring to the eye and constantly took you to different site just to do stuff. But with BMO?! Amazing, very fun. Everything’s all there! You must play around with it to understand to use it. Don’t be scare to get lock out or make a mistake. BMO back office and branch will help unlock you app/website. Just be honest about what happen!

I love that I can transfer funds/Zelle all from the app!

Developer Response ,

Hi there, thanks for the love! We appreciate the feedback and are very happy to hear that you are enjoying our BMO Digital Banking experience. – Manny

Paragon3 ,

Solid App

Reading through some of the recent reviews, have to say that I don’t really understand what people are complaining about and think most of the criticism is a bit harsh & unwarranted. I think people need to just chill. BMO is clearly making progress with their mobile/online redesign and compared to what came before it, this is a significant improvement. The design is modern, information about accounts is presented clearly and navigation is intuitive, and all the various features (Face ID, mobile deposit, bill pay, Total Look, etc.) work just fine. I haven’t really had any problems except for brief login issues really late at night (possibly overnight updates?) which are resolved within the hour and not a big deal. Another minor complaint I have is that some of the functions (e.g. bill pay or debit card controls) display in what appears to be an overlaid browser window rather than directly/natively in the app - the design of those pages is a little clunky and inconsistent with the rest of the app. However, I’m sure BMO’s developers are already aware of that and will improve things in time.

Developer Response ,

Hello there! Thanks for your positive feedback and I have forwarded your suggestions to the development team for their consideration in future updates. -Tanya

Magneticnorth124789 ,

lacking compared to any other bank portal

The long drawn out multi year chaotic update of the BMO Harris app completed last year and good news , the app is now somewhat functional. like you can check your balance and use biometrics to login. I applaud the progress. Still, this app works as a sales tool and not a customer portal. Beyond checking your balance or making a simple transfer, you’ll be stuck in endless loop of being removed from the app and asked to login to bmo harris on a browser site version and then being told to do it on the app. BMO Harris is the only bank I have that i still have to call into the 1800 number to get things done, or actually visit their bank in person during bankers hours when i need to take time off work to do so. The dysfunction continues at the BMO Harris App. Don’t just clap and give this five stars, as a customer you are worth more than this. And every competitor BMO has realizes this and delivers more powerful and higher functioning apps.

Developer Response ,

Hi there, thank you for your feedback. We're sorry to learn of this ongoing experience. We want to help you troubleshoot and take a closer look at any existing issues. If assistance is still needed simply give us a call at 1-888-340-2265 and we will be happy to take a closer look! - Manny

App Privacy

The developer, BMO Bank National Association, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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