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 bmoharris.com/mobile to learn more.
¹ Please visit bmoharris.com/security 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 bmoharris.com/legal. 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 bmoharris.com/legal.
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.
•Swipe Quick Access Feature
•Access your credit card account alongside your other BMO Harris accounts
•Send, receive, or request money with Zelle®
Ratings and Reviews
Just barely cuts it. Very basic.
Been using BMO Harris Bank for a very long time now. Great bank that’s had my back big time when it’s truly mattered. But their mobile app... it’s never been too great. I never really hated it at any time, just really thought it was extremely basic and had times where it would just stop working for no real reason. These were problems that I’ve never experienced on other banking apps and it really bothered me.
Now, it’s January 2019. After months of teasing a “brand new mobile banking experience,” the new BMO Digital Banking app is here. And... it’s just a fancy visual update. In iOS terms, a SpringBoard update, really. It’s snappy and cool looking, but how much functionality does it really add to the app? Not much. I can’t yet comment on how reliable the uptime is, but from a function standpoint it’s pretty much the same thing with a few things in new locations and, well. Not much else besides looking better.
Would really love to see BMO hire in some well-established individual who knows something about app development and have them design a brand new mobile app from the ground up. The current one cuts it, but at the bare minimum; it’s a 2/5 app, just as I’ve rated it. Still, I’m fine with it, just would appreciate the luxury of the app being a BIT better.
Developer Response ,
Hello, I am sorry to read that you're not pleased but appreciate the time that you've taken to share your feedback. We'll be sharing your comments to the appropriate area for review and future consideration. Thanks again. - Mark
They recently updated to the new app. Every time I go to login after the first initial login, I get an error message. They provide a number to call, so I decided to call it. I, then sat on hold for and hour and gave up. Meanwhile, on the automated system it says that branch personal will be able to assist me. I called them and they directed me to either come in or call the automated system again. Since my branch is a block away, I went into the branch. They told me they could not help me and I would have to sit on the automated help line. Called them again, sat on hold for another hour, and ended up going into the bank again to do all my transactions that way. The online app was supposed to makes things easier, and it’s been making it more difficult. I’ve come to realize BMO personnel isn’t genuinely concerned about helping either or they aren’t trained in helping. They all just want me to spend hours waiting for the automated service to direct me to customer service. If this is a constant issue, I will switch banks that is more concerned with helping me access my accounts. I have bills to pay, and when a bank provides apps and online websites, I expect them to work so I can move on with my day.
Update is better
The old app sucked. You couldn’t access your credit card statements and it had the bare minimum in regards to functionality. Was constantly getting locked out. The update is definitely better for the fact you can now access everything in one on the app and it now has Touch ID access but it’s still not great in comparison to other banking apps. Honestly feel bad for bmo as a company bc overall they are a good bank who have good customer service, their downfall really is their developer team. Whoever they are should be fired immediately. They are bringing the entire company down. I mean it’s just basic development 101. User testing is key before releasing an app update or desktop site. Who’s brilliant idea was it to create two separate websites one for their main banking account and one for credit card accounts... with two separate usernames and passwords??? Why in the world wouldn’t you merge the two. I’ve been locked out over 50 times due to the 5 password questions you need to login just to check my account. Just idiotic.
With Family Sharing set up, up to six family members can use this app.