This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.

BMO Digital Banking

Instant control. This app grants users total command over their finances, from payments to personalized security, all in their pocket.

Key Figures

Downloads

2.5M+

User Rating

4.7/5

Total Ratings

125.9K

Publisher

BMO Bank National Association

An Analytical Review of Core Functionalities and User Benefits

BMO Digital Banking: Key Features Evaluation

BMO Total Look for Holistic Financial Overview

It allows users to track all their financial accounts, including those not held with BMO, providing a comprehensive financial snapshot for better management and budgeting.

Secure Biometric Sign-On

The app supports Face ID®, enabling fast, convenient, and secure access to accounts, significantly enhancing the login experience.

Seamless P2P Payments with Zelle®

It facilitates instant and secure money transfers to friends and family with bank accounts in the U.S. using Zelle®, streamlining personal transactions.

Convenient Mobile Check Deposit

The app allows users to deposit checks simply by taking a picture with their iPhone® camera, saving time and offering unparalleled convenience.

Real-Time Card Control with BMO Card Monitor

This tool enables users to instantly turn their debit or ATM card on and off and receive real-time alerts, providing enhanced security and control over their finances.

Unified BMO Account Access

It provides a consolidated view of all BMO accounts, including credit cards, offering a streamlined experience for managing diverse financial products.

Effortless Bill Payment and Management

The app allows users to easily schedule and manage bill payments, ensuring timely transactions and improved financial organization.

Quick Internal Fund Transfers

It allows users to transfer money swiftly between their BMO accounts, providing flexibility and control over their funds.

FAQ

Frequently Asked Questions

Everything you need to know about BMO Digital Banking

What is the BMO Digital Banking app?

The BMO Digital Banking app allows users to bank on the go from their iPhone, providing features like viewing account balances, transferring money, and depositing checks.

Is the BMO Digital Banking app secure?

Yes, the BMO Digital Banking app is secure. Users can visit bmo.com/us/security for more details regarding its security measures.

Can I sign in to the BMO Digital Banking app using Face ID?

Yes, users can sign on even faster to the BMO Digital Banking app using Face ID® for convenient and secure access.

How do I send money with Zelle® using the BMO Digital Banking app?

The BMO Digital Banking app allows users to send money to friends and family with a bank account in the U.S. directly through Zelle®.

What is BMO Total Look in the BMO Digital Banking app?

BMO Total Look allows users to track all their accounts, even those not with BMO, providing a comprehensive view of their finances within the app.

How do I deposit checks using the BMO Digital Banking app?

Users can deposit checks by taking a picture of the check with their iPhone® camera directly through the BMO Digital Banking app.

Are there requirements for using mobile deposit in the BMO Digital Banking app?

Yes. Users must be BMO Digital Banking customers with an account open over 5 days. Deposits are not immediately available for withdrawal. Older devices may not support this service.

Can I transfer money between my BMO accounts with the BMO Digital Banking app?

Yes, the BMO Digital Banking app allows users to transfer money efficiently between their linked BMO accounts.

What is BMO Card Monitor in the BMO Digital Banking app?

BMO Card Monitor allows users to turn their debit or ATM card on and off and receive real-time alerts directly through the app.

Can I view my credit score in the BMO Digital Banking app?

Yes, the BMO Digital Banking app displays your credit score, based on VantageScore® 3.0, and provides insights into factors impacting it.

Does the BMO Digital Banking app help with savings goals?

Yes, the BMO Digital Banking app allows users to set and track savings goals, showing progress towards targets like a vacation fund.

How can I change my password or user ID in the BMO Digital Banking app?

The BMO Digital Banking app provides a 'Security hub' where users can manage their login info, including changing user ID and password.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Description

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 bmo.com/usmobile to learn more. ¹ Please visit bmo.com/us/security 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 bmo.com/uslegal. 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 2026, 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.