Personal Checking Accounts, Debit and ATM Card BMO Debit Mastercard, current page
BMO Debit Mastercard®
Get more out of every purchase with these extra benefits.
Satisfaction Guarantee
Get a full refund for most purchases, up to $250, if the store will not accept a return. Footnote 11
Mastercard Global Service™
Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, finding an ATM, or card related questions. Footnote 11
Extended Warranty
Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind. Footnote 11
Fast and convenient ATM access
Unlimited fee-free access at over 40,000 Allpoint® and BMO ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® ATMs in Canada, Mexico, Puerto Rico, the United Kingdom and Australia. Footnote 22
Never miss a payment
Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.
Get a full refund for most purchases, up to $250, if the store will not accept a return. Footnote 11
Extend the original manufacturer’s (or U.S. store brand) warranty on most new items for extra peace of mind. Footnote 11
Count on 24/7 assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, Emergency Cash Advance, finding an ATM, or card related questions. Footnote 11
Unlimited fee-free access at over 40,000 Allpoint® and BMO ATMs nationwide and surcharge fee-free access at over 12,000 Allpoint® ATMs in Canada, Mexico, Puerto Rico, the United Kingdom and Australia. Footnote 22
Use your debit card to set up recurring payments like a gym membership, cable bill or utilities and avoid late fees.
Protect yourself with every purchase
You will not be held responsible in the event of unauthorized purchases. Footnote 33
Get more protection against fraud with every purchase at chip-enabled terminals.
Mastercard ID Theft Protection™
Proactively monitors millions of data points to detect fraud at its inception and alert you so you can take immediate action. Footnote 11
Mastercard SecureCode™ helps ensure that only you can make online purchases with your card. It's safe, easy and free. Footnote 11
Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.
Zero Liability Protection
You will not be held responsible in the event of unauthorized purchases.
Footnote 33
Mastercard ID Theft Protection™
Helps you resolve identity theft.
Advanced Chip Technology
Get more protection against fraud with every purchase at chip-enabled terminals.
Secure Online Transactions
Mastercard SecureCode™ helps ensure that only you can make online purchases with your BMO Bank Debit Mastercard®. It's safe, easy and free.
BMO Card Monitor
Get real-time debit card alerts and set up controls to monitor and limit access to your debit card.
How it works:
Online
Shop online safely and conveniently.
U.S. and international purchases
Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.
How it works:
Shop online safely and conveniently.
Use it at any retailer that accepts Mastercard®, and simply select ‘Debit’ as your method of payment.
Make purchases with your smartphone using Apple Pay®, Google Pay™ and Samsung Pay™.
How to get your debit card
BMO Debit Mastercard® is available to all BMO personal banking customers.
Check out our other Debit Cards
BMO Bulls, Blackhawks & Bucks Debit Mastercard®
BMO Mastercard Gift Card. Footnote 4
Please note that, as of January 1, 2023, BMO no longer offers BMO Mastercard® Gift Cards4 for purchase. If you already have a BMO Mastercard® Gift Card, you can continue to use it.
Find the answers you’re looking for
Have questions about debit cards?
How do I activate my debit card?
Log in to your account at bmo.com, navigate to Your Account and Manage debit/ATM cards, Activate Card. You can also call 1-877-547-7994 to activate your card.
If it’s a replacement debit card, you can also activate your card by simply making a transaction using your existing PIN at any ATM or in store.
Can I link my savings account to this card?
Yes, you can easily link your savings account to your debit card. Visit your nearest branch or call 1-888-340-2265 and we’ll be happy to help.
If my card is lost or stolen, what do I do?
Call us immediately at 1-888-340-2265. Also, review your account for suspicious activity and report any transactions you don’t recognize.
My card has a chip, how does that work?
Chip cards have an embedded microchip, which gives you increased protection against fraud every time you use your card at a chip-enabled terminal. Learn more about chip cards.
Are there fees for using a debit card?
Your debit card has no annual fee and no fee for purchases. The only exception is if you use your card while traveling in another country, or to make a remote purchase from the United States with a foreign merchant, in which case a foreign transaction fee will apply, regardless of whether a currency conversion is required. If you use your debit card at another financial institution’s ATM, a fee may apply. Please see your Deposit Account Agreement for more information on fees.
Remember, BMO debit card customers get unlimited fee-free transactions at over 40,000 BMO and Allpoint® ATMs nationwide. Footnote 22
How is a debit card different from a credit card?
You can use a debit card just like a credit card wherever Mastercard® is accepted. The difference is, when you use a debit card the money is deducted directly from your BMO checking account, so you don’t owe anything after. It’s a great way to manage your money and avoid building up credit card debt.
I have a merchant hold or authorization hold on my account, what is that?
When you use your debit card to make a purchase, the merchant will request an authorization — in other words, an approval — for the transaction to confirm that your account is open and has enough money in it to cover the amount. A merchant hold or authorization hold simply means that the amount of the purchase has been set aside in your account — it is, ‘on hold’ as a pending transaction. It will stay on hold for up to 3 Business Days if you made the purchase in person, or up to 5 Business Days for online, phone or mail order purchases. Once the transaction goes through, the actual purchase amount will be deducted from your account. It may take several Business Days for the final purchase amount to replace the pending transaction amount on your account.
The purchase was not what I wanted, how do I dispute a transaction?
If you have an issue with a purchase you made, please contact the merchant. If you need further help, please call us at 1-888-340-2265.
How do I change my ATM or debit card PIN (Personal Identification Number) or request a new PIN?
Log in to your account at bmo.com, navigate to Your Account and Manage debit/ATM cards, Change PIN.
You can also request a new PIN by visiting your nearest BMO branch or by calling us at 1-888-340-2265 for assistance. If you know your PIN, you can also change it at any BMO ATM.
I am traveling, will my card still work?
When traveling domestically or internationally, you can use your debit card to make purchases anywhere that accepts Mastercard®. To avoid any purchase issues while traveling, we recommend you call us at 1-888-340-2265 and let us know your travel plans and dates of your trip.
Have more questions?
We're always here to help
Foot note 1 Details: 1Certain terms, conditions and exclusions apply. For complete coverage terms and conditions call 1-800-MASTERCARD (1-800-627-8372) for assistance. Refer to the Mastercard Guide to Benefits for more information.
Foot note 2 Details: 2Foreign Transaction Fees will apply at Allpoint® ATMs located outside of the United States.
Foot note 3 Details: 3Pay only for purchases that you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details
4 Foot note 4 Details: Funds on gift cards are NOT FDIC insured.
Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.
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