Shop safely online and in person with your BMO Debit Card

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:

1. Sign into Mobile Banking
2. Select your bank account and then ‘Manage Card’ on the account details page (the gear icon)
3. Select the ‘It’s lost or stolen’ option
4. Review your information and submit

A new debit card will arrive in the mail in 6 – 86 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 66}, 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.