Shop safely online and in person with your BMO Debit Card
Your BMO Debit Card comes in handy when you’re at an ATM, but it can do so much more. When your debit card has the Mastercard® footnote star and Interac® footnote double dagger logos on it, you can:
Shop online from Canadian and international retailers- Make in-app purchases through your mobile wallet
- Tap in-store to pay for smaller purchases
Plus, save every time you fuel up at Shell. Get up to 7¢ per litre off. footnote 1 Learn more
Stay in control of your debit card through BMO Digital Banking
Managing your debit card online is easy, secure and convenient.
Online shopping
Use your debit card to pay for online purchases up to $3000 from Canadian retailers who accept Debit Mastercard. Visit mastercard.ca/debit for participating Canadian merchants. For international retailers, use your debit card on any international website where Mastercard is accepted. footnote 2, footnote 3
To use your debit card online:
- Enter your 16-digit debit card number
- When requested, enter expiry date and the three-digit code on the back of your card
- If requested, for the ‘name on card’, enter your name, even if it doesn’t appear on the card itself
Don’t forget, all purchases made with your BMO Debit Card, whether online or in-app, come directly out of your primary bank account which is also known as the account in the chequing position.
In-app purchases
Add your debit card to your mobile wallet – Apple Pay or Google Pay – and start shopping securely with in-app purchases up to $3000. footnote 4
In-store shopping
- By adding your debit card to your mobile wallet, you can use your smartphone to tap to pay for purchases up to $250. Just hold your device to the merchant terminal. footnote 5
- When using your physical debit card, you can tap to pay for purchase up to $250. Just hold your card to the merchant terminal. footnote 5 For purchases over $250, insert your card and enter your personal identification number (PIN) at the terminal.
- When travelling outside Canada, use your debit card anywhere Mastercard is accepted. footnote 2, footnote 3 If prompted to choose between Debit and Credit, . When prompted, enter your PIN or sign the receipt.
- When using your Interac debit card at any Canadian public transit authority to pay for a fare, the transaction won’t apply towards your monthly debit transaction count. At participating transit authorities footnote 6, this includes tapping your debit card or mobile wallet at a fare reader to pay for an adult fare.
Manage your debit card online
- Report your debit card as lost or stolenIf you think your debit card has been lost or stolen, you can let us know and request a replacement online.
- Lock your debit cardMisplaced your debit card? You can lock it online immediately to pause any transactions made with it. When you’re ready to unlock your debit card, it’s just as easy.
- Change your debit card PINSimply choose a new PIN online, then activate it the next time you visit an ATM or make an in-store purchase with your debit card.
Detailed transactions
Managing your debit card is now easier than ever with our enhanced transaction details. When you select an in-store purchase you made, you’ll get more information, such as:
- Comprehensive merchant name
- Address and phone number
- Location of the purchase on Google Maps™ mapping service
These enhanced details are available for in-store purchases only. To find them, go to your debit card’s Account Summary then go to your Transaction List. Choose a specific purchase to get more details.
BMO Debit Card frequently asked questions
You can quickly report your debit card as lost or stolen and request a new card through the BMO Mobile Banking app. Just follow these steps:
- Sign into Mobile Banking
- Select your bank account and then ‘Manage Card’ on the account details page (the gear icon)
- Select the ‘It’s lost or stolen’ option
- Review your information and submit
A new debit card will arrive in the mail in 6 to 8 business days. You can also visit your nearest branch or call us at 1-800-361-3361 to report a missing card.
If you think your debit card has been compromised, call us at 1-800-361-3361.
If you're calling from outside North America, you can reach us at 514-881-3845.
You will receive a new BMO Debit Card when your existing BMO Debit Card needs to be replaced. However, if you want a new BMO Debit Card sooner or need a replacement, visit any BMO branch or call 1-877 CALL BMO (225-5266).
It’s a debit card. Purchases from merchants within Canada are processed through Interac Debit or Interac Flash. However, the Mastercard logo means your BMO Debit Card is accepted internationally anywhere Mastercard is accepted in-store (including the United States). It is also accepted online at Canadian merchants that accept Debit Mastercard and international merchants that accept Mastercard. All purchases made with the new BMO Debit Card are paid directly from your BMO bank account.
When using your BMO Debit Card online, you’ll pay in Canadian dollars. The currency exchange rate charged for purchases made with international merchants is the rate charged by Mastercard International on the date the transaction is posted to your account.
U.S. dollar transactions will be converted to Canadian dollars based on the current foreign exchange rate and will include an additional mark up of 2.5%. The mark-up will be included in the exchange rate posted to your account. For foreign currencies other than U.S. dollars, the transaction amount will be converted first to U.S. dollars by Mastercard International, then to Canadian dollars.
A 5-business day hold may be applied to your account in the amount of your purchase in Canadian dollars. The hold will be removed when the transaction is debited from your bank account, or after 5 business days have passed, whichever is sooner. It will depend on when the merchant processes the transaction and can be up to 30 business days. This can lead to a delay in seeing the debit applied to your account, or the hold could be removed before the merchant debits your account. Even though the hold has been removed, you are still liable for the purchase when the merchant submits it for processing. Some merchants may process the transaction right away and in these instances, a hold is not applied to your account.
When you make an online or in-app purchase the amount will automatically come out of your primary account which is also known as the account in the chequing position. You are unable to select the account you want to use, therefore, you should ensure that you have enough money in your account to cover the purchase to avoid non-sufficient fund fees or a declined transaction.
The enhanced transaction details feature only applies to in-store purchases. It doesn’t apply to online, in-app purchases, pre-authorized debits or ATM withdrawals.
If you discover something that doesn’t seem to add up, you can contact the merchant associated with that transaction. Their contact information should be available in the enhanced transaction details.
When this happens, it could be because the merchant that you’ve bought something from hasn’t shared their information with us. You’ll see a message saying “this business hasn’t shared this data”.
No. You can use your Interac debit card to buy transit tickets and reload your transit card at any transit authority in Canada and it will not count toward your monthly debit transaction limit. At participating transit agencies footnote 6, you can also tap to pay for an adult fare at a fare reader without impacting your monthly debit transaction limit.
Find out more about your debit card on the Customer Frequently Asked Questions page.
Ready to use your debit card? Here are some other things to try
Pay bills
Kiss stamps and bank lines goodbye when you pay your bills online.
Send money
Sending and requesting money online is a breeze with Interac e-Transfer® footnote double dagger.
Transfer money
Quickly move money between your accounts.
- Footnote 1 details Available until December 31, 2025. Terms and conditions apply. Visit bmo.com/shell for full details.
- Footnote 2 details For purchases made through the Mastercard network, a 5-business day hold may be put on your bank account in the amount of your purchase in Canadian dollars. The hold will be removed when the transaction is debited from your bank account or after the 5 business days have passed, whichever occurs first.
- Footnote 3 details The exchange rate for converting foreign currency transactions to Canadian dollars is the rate charged to us by Mastercard International on the date the transaction is posted to your account, plus 2.5% for purchases and minus 2.5% for refunds. For foreign currency transactions other than U.S. dollars, the amount is first converted to U.S. dollars and then to Canadian dollars.
- Footnote 4 details In-App transactions using your mobile wallet are considered “Card Not Present” transactions, and limits vary. Please check your limit in the “What You Need to Know” form you received with your debit card.
- Footnote 5 details Per-transaction and cumulative limits may apply. Upon request, this feature can be deactivated.
- Footnote 6 details For a full list of transit authorities that allow riders to tap payment cards or mobile wallets at fare readers, visit Interac's Debit for Transit webpage.
- Footnote double dagger details Interac e-Transfer®* is a registered trademark of Interac Inc. Used under license.
- Footnote star details Applicable to retail and commercial debit cards.
- Google Maps™ Google Maps is a trademark of Google LLC.