How we protect you
Your security is our priority. We work hard to bring you the fast, convenient personal and business banking experiences you’ve come to expect, while applying advanced security measures– so you can make real financial progress with peace of mind.
Security however you bank
Be confident that your private details are protected across all of our banking platforms.
Online banking Bank online knowing that all info you exchange with us over the internet is secure.- Mobile banking Protect your mobile device and identity from scammers while banking through the BMO mobile app.
- ATM banking Deposit or withdraw at BMO ATM with the confidence that if anything goes wrong, we're here to help.
- Telephone banking Make a transaction safely by phone with voice recognition and a unique PIN to confirm your identity.
Setting the standard for bank security
Your security is important to us. That’s why we go above and beyond to protect you. Our Financial Crimes Unit (FCU) is a security operations team that’s the first of its kind in Canada.
Founded in 2019, the FCU combines expertise from our cyber security, fraud, physical security, and crisis management teams to detect, prevent, respond to and recover from security threats.
Our security features include:
- Leading-edge security technology, data and analytics tools.
- Operating on a global scale to ensure your safety in different time zones without delay.
- Managing security threats 24/7/365 whenever and wherever you bank.
- Strong internal controls like firewalls and email security software.
- Frequent employee training on the best and latest security practices.
Additional security software for your devices
Add an extra layer of safety to your account by installing security software from our trusted tech partners.
- IBM®Trusteer Rapport® to secure your desktop browser.
- OnGuard® to protect your identity online.
- Interac® verification service to confirm your identity when you sign up for new services.
Learn how to avoid fraud and cyber threats.
Find security tips for your online banking safety.
Get info about types of scams and phishing do’s and don’ts.
Concerned about suspicious activity on your account? We can help.
Frequently Asked Questions
The BMO app has multiple security features designed to protect you:
- All info sent and received through the BMO app is encrypted to avoid third-party security risks.
- The app doesn’t store any confidential info (or cookies) on your mobile device.
- Any data sent to your mobile device through the app is free from harmful software like viruses.
Be sure to download banking apps from a trustworthy app store to avoid installing fake apps onto your phone.
BMO Digital Banking Security Guarantee
Your security is our priority and we work in partnership with you to keep your accounts safe. We will reimburse you for any eligible unauthorized transactions provided you have kept your account details secure, and you’ve met all other key responsibilities outlined in our Electronic Banking Services Agreement.
