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 Touch ID®
• Withdraw cash using your smartphone with Mobile Cash²
• Access your credit card account alongside your other BMO Harris 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 Harris Total Look®
• Transfer money between your BMO Harris accounts
• 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 Harris Card Monitor

Visit to learn more.

¹ Please visit for more details.
² BMO Harris Mobile Cash® is available for BMO Digital Banking smartphone apps only. For details, see the BMO Digital Banking Agreement at Users must have a BMO Harris debit or ATM Card. Even though a physical card isn’t used to access Mobile Cash, the service use is subject to daily transaction limits for your card. If you don’t know your card’s daily transaction limits, please ask your banker or call 1-888-340-2265.
³ Mobile Deposit® is available using the BMO Digital Banking smartphone app. This service may not function on older devices. Users must be a BMO Digital Banking® customer with a BMO Harris 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 Harris Bank N.A. Member FDIC
Third party web sites may have privacy and security policies different from BMO Harris. 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 Harris web sites.

Copyright 2018, BMO Financial Corp., All Rights Reserved.
iPhone® and Touch 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 2715977810.5.36

We’re always working to improve your mobile banking experience. When you turn on the automatic update feature on the app, you’ll always have the easiest, most convenient way to bank at your fingertips. Here’s what’s new:

· Biometric security enhancements.
· Activate and/or reset your pin on your Debit card.
· Enable savings accounts for external transfers.
· Improve the limits for small business remote deposit capture.
· Minor bug fixes and improvements.

Ratings and Reviews

4.8 out of 5
35.2K Ratings

35.2K Ratings

Greenrodeo ,

BMO Getting It Right

I enjoy banking with BMO and they continue to respond to improve customer service. Two things pleased me lately. First I had an issue with a monthly deposit that was delayed over the NewYears holiday weekend. In calling the bank they were able to track it and assure me the deposit was in their system and that it was the holiday/weekend combination that had slowed its transmission from the depositing source. Second, I find the recent changes to the BMO on line banking app have improved the service/convenience level greatly. Thirdly I find their local branch to be willing to provide help/guidance when called upon.

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

allicat3 ,

4.7 stars is falsified. Bad reviews are the majority.

I noticed that the ratings suddenly show 4.7 stars and they used to calculate at less than 2 stars. Scrolling the reviews reveals how people really feel about the poorly designed interface. Most star reviews are very low and BMO needs to finally address these customer concerns. My original review was no longer showing, so this is an update to see if it stays up.
By comparison, I really like the former app version way better. This one is clunky. It’s not nearly as intuitive. I need to keep scrolling to make sure I didn’t miss anything or to see submit/confirm buttons rather than pertinent info being on one screen view. For example, I thought I had covered the steps to pay my bill, but just hadn’t scrolled down far enough to complete the action. There are also certain functions that take more clicks to get to than necessary. I think I had to click five different things to finally get to the pay screen. Then when you click in the amount field, it does not automatically give you a number pad. Overall, it became more confusing to use. Needs some quality control work done.

Developer Response ,

Hi there, thanks for providing us with your review and rating. We appreciate your feedback and we'll definitely share it with the appropriate area for review. - Mark

App Privacy

The developer, BMO Harris Bank N.A., 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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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