BMO Bank App is the free mobile banking app that lets BMO customers check balances, deposit checks and move money without visiting a branch. It's available on both the Apple App Store and Google Play, and it works with the same username and password used for BMO's website.
Ratings on the app sit around 4.7 out of 5 stars on the Apple App Store based on well over 100,000 reviews, though Android reviews run a bit more mixed, especially after BMO's system migration for former Bank of the West customers. This guide breaks down what the app actually does, how it compares to competitors, and how to fix the most common login and deposit problems.
Is the BMO Bank App Free to Download
Yes. BMO Bank App is completely free to download and use for anyone with an eligible BMO account, on both iOS and Android. There's no subscription fee or in-app purchase required to access standard banking features.
Downloading it just requires an existing BMO checking, savings, credit card, loan or mortgage account, since the app links to accounts already open with the bank. Anyone without a BMO account yet would need to open one first, either online or at a branch, before the app becomes useful.
BMO Bank App System Requirements
BMO Bank App runs on most modern iPhones and Android devices, with the Google Play listing showing a download size of roughly 69 MB. Older phones running outdated operating system versions occasionally lose compatibility with new app updates, which is one of the more common reasons login problems start after an update.
Keeping the app updated to its latest version generally avoids most compatibility issues. BMO pushes updates periodically, often including bug fixes tied to mobile deposit and login stability specifically.
BMO Bank App Features
BMO Bank App covers the core of everyday banking: checking balances, transferring money, paying bills, depositing checks, and sending money through Zelle. Every major feature available on BMO's desktop site carries over to the app in a phone-friendly layout.
A handful of features go further than basic account access, adding real value for anyone managing money day to day rather than just checking a balance occasionally.
Mobile Check Deposit
BMO Bank App mobile deposit lets you photograph a check and submit it for deposit without visiting a branch or an ATM. The first $500 of a standard deposit is typically available the next business day, with the remainder following two business days later.
FundsNow, a feature inside the app, can make an eligible check available immediately for a fee, which is worth it for anyone who needs the money right away instead of waiting out the standard timeline.
Zelle and Money Transfers
BMO Bank App supports Zelle for sending and requesting money using just a phone number or email address, with no fee on BMO's end. Transfers between your own BMO accounts post instantly, while external transfers to other banks generally take one to three business days.
Sending money to someone for the first time just requires enrolling their contact info in Zelle once. After that, sending or requesting money takes seconds.
Card Controls and Total Look
BMO Bank App includes Card Monitor, letting you freeze a lost or stolen debit card instantly and set real-time spending alerts. BMO Total Look, a separate feature inside the same app, pulls in balances from accounts you hold at other banks so everything shows up on one screen.
CreditView, also built into the app, gives you a free TransUnion-based credit score check with no impact on your credit, along with a simulator that shows how different financial decisions might affect your score.
BMO Bank App Ratings and Reviews
BMO Bank App holds an average rating of about 4.7 out of 5 stars on the Apple App Store, based on more than 120,000 ratings as of early 2026. Google Play reviews skew somewhat lower and more mixed, with a vocal minority reporting login and mobile deposit issues.
| Platform | Typical rating | Common praise | Common complaint |
|---|---|---|---|
| Apple App Store | ~4.7 / 5 | Clean design, easy mobile deposit | Occasional login timeouts |
| Google Play | Mixed, more variable | Zelle, card controls | Post-migration login errors |
Why Some Users Report Login Problems
BMO Bank App login complaints spiked noticeably after BMO migrated former Bank of the West customers onto its systems, with some users reporting repeated password resets or account lockouts during that transition. Most of these reports trace back to the account migration itself rather than an ongoing flaw in the app.
Clearing the app's cache, updating to the latest version, or reinstalling it resolves most persistent login issues. For anything that doesn't clear up on its own, BMO's customer service line can manually verify and reset account access.
Is the BMO Bank App Safe to Use
Yes. BMO Bank App uses encryption, multi-factor authentication and biometric login through Touch ID or Face ID to protect account access. Fraud monitoring runs continuously in the background, flagging unusual activity in real time.
BMO's digital banking guarantee also covers unauthorized transactions reported promptly, giving an extra layer of protection beyond what the app's technical security already provides.
How to Log Into the BMO Bank App
Logging into BMO Bank App for the first time requires an existing BMO account and a one-time enrollment step before the app becomes usable. Once enrolled, the same username and password work across both the app and BMO's website.
First-Time Enrollment Steps
- Download BMO Bank App from the Apple App Store or Google Play.
- Open the app and select "Enroll Now" on the login screen.
- Enter your BMO debit or credit card number, or account details, to verify identity.
- Create a unique username and password.
- Set up security questions for future identity verification.
- Log in immediately using your new credentials.
What to Do If You Forget Your Password
BMO Bank App includes a self-service password reset option directly on the login screen, using the security questions set up during enrollment to verify identity. Most resets take just a couple of minutes to complete.
If the automated reset doesn't work, calling 1-888-340-2265 connects you to a representative who can manually verify identity and restore access.
BMO Bank App vs Competitor Banking Apps
BMO Bank App holds up reasonably well against apps from Chase, Bank of America and Wells Fargo on core features like mobile deposit, bill pay and Zelle. Where it tends to fall behind slightly is app store rating consistency, particularly on Android following the Bank of the West migration.
Online-only bank apps, like those from Ally or Chime, sometimes offer a cleaner, more modern interface, though they lack BMO's combination of a physical branch network alongside the app itself.
Should You Use BMO's App or Just the Website
The BMO Bank App covers nearly everything the desktop website does, plus mobile-only features like check deposit and biometric login. For most day-to-day banking, the app is genuinely more convenient than logging into a browser.
The desktop site still has an edge for tasks like printing detailed statements or filling out longer forms, where a bigger screen simply makes things easier.
Frequently Asked Questions (FAQ)
Is the BMO Bank App free? Yes, it's free to download and use for anyone with an eligible BMO account, with no subscription cost.
What rating does the BMO Bank App have? It holds around 4.7 out of 5 stars on the Apple App Store based on over 120,000 ratings. Google Play ratings run more mixed, particularly among former Bank of the West customers.
Can I deposit a check using the BMO Bank App? Yes. Mobile check deposit lets you photograph a check and submit it directly through the app, with standard funds availability of one to three business days depending on the amount.
Why does the BMO Bank App keep logging me out? This usually traces back to an outdated app version, a device compatibility issue, or lingering account migration issues from the Bank of the West transition. Updating the app or reinstalling it resolves most cases.
Does the BMO Bank App support Zelle? Yes. Zelle is built directly into the app for sending and requesting money using just a phone number or email address, with no fee from BMO.
Is the BMO Bank App safe to use? Yes. It uses encryption, multi-factor authentication and biometric login, backed by BMO's digital banking guarantee covering unauthorized transactions reported promptly.
Do I need a BMO account to use the app? Yes. The app links to an existing BMO checking, savings, credit card, loan or mortgage account. Without one, you'd need to open an account first.
Can I check my credit score in the BMO Bank App? Yes, through CreditView, a free feature powered by TransUnion that shows a VantageScore-based score with no impact on your credit.