What is the BMO customer service phone number?

The main BMO customer service number is 1-877-225-5266 (toll-free in Canada and the US). This line is available 24 hours a day, 7 days a week for personal banking enquiries including account issues, lost or stolen cards, transfers, and general support. From outside Canada and the US, call 1-416-867-6785 (collect calls accepted).

What is the BMO lost or stolen card number?

Call 1-877-225-5266 immediately to report a lost or stolen BMO debit or credit card. This line is available 24/7. BMO will block the card and can arrange a replacement. You can also temporarily lock your BMO debit card through the BMO mobile app without calling, which is useful if the card is misplaced rather than stolen.

What is the BMO InvestorLine phone number?

BMO InvestorLine has a dedicated line: 1-888-776-6886. This line handles self-directed investing account questions, trade enquiries, account transfers, and InvestorLine platform support. InvestorLine hours are typically Monday to Friday, 8:00 AM to 8:00 PM ET.

Can I reach BMO through online chat?

Yes. BMO offers live chat through the BMO website and the BMO mobile app. Chat is available during extended hours and handles routine enquiries: balance questions, transaction issues, e-Transfer questions, and account features. For complex account changes, fraud reports, or large transactions, a phone call or branch visit is recommended.

How do I file a complaint with BMO?

Start by contacting BMO customer service at 1-877-225-5266. If the issue is not resolved, escalate to the BMO Ombudsman at 1-800-371-2541 — a dedicated internal escalation path. If still unresolved, contact the Ombudsman for Banking Services and Investments (OBSI) at obsi.ca, a free and independent federal service for unresolved banking complaints.

What are BMO customer service wait times?

Wait times at BMO depend on the channel and time of day. Phone wait times average 5–15 minutes during peak hours (Monday morning, end of month). The BMO mobile app chat typically responds within 1–5 minutes for routine queries. For complex issues — account fraud, mortgage inquiries, disputes — expect 15–30 minutes by phone. Calling early morning (8–9 AM ET) or mid-afternoon typically has the shortest wait.

Can I get BMO customer service in French?

Yes. BMO offers full customer service in French at all hours through 1-877-225-5266. BMO's Quebec operations are fully bilingual. BMO also has dedicated French-language digital support through the BMO app and website. BMO is federally regulated and is required to offer services in both official languages under the Official Languages Act.

BMO Customer Service 2026 | Phone Numbers, Chat & Support Hours

BMO’s main customer service line is 1-877-225-5266, available 24/7 for personal banking. BMO InvestorLine has a separate dedicated line at 1-888-776-6886 — worth knowing if your query is investment-account specific, as it connects directly to a brokerage agent rather than a general banking agent.

Main Contact Numbers

Department	Phone Number	Hours
Personal banking (general)	1-877-225-5266	24/7
From outside Canada/US	1-416-867-6785 (collect)	24/7
Credit cards	1-877-225-5266	24/7
Lost / stolen debit card	1-877-225-5266	24/7
Lost / stolen credit card	1-877-225-5266	24/7
TDD/TTY (hearing impaired)	1-800-689-6279	Business hours

Department-Specific Contacts

Service	Number	Hours
BMO InvestorLine	1-888-776-6886	Mon–Fri 8 AM–8 PM ET
BMO SmartFolio	1-877-225-5266	24/7
Mortgages	1-877-225-5266	24/7
Business banking	1-877-262-5907	Mon–Fri extended hours
BMO Ombudsman (escalations)	1-800-371-2541	Business hours
New to Canada program	1-877-225-5266	24/7

Digital Support Channels

BMO App — Chat

The BMO mobile app includes a live chat function accessible from the app’s home screen. Chat agents can handle most routine enquiries: balances, transactions, e-Transfer issues, card management, and account questions. Chat availability extends beyond standard branch hours, making it useful for evenings and weekends.

BMO Online Banking — Secure Message

Send a secure message through BMO Online Banking for non-urgent, documentation-heavy enquiries. Appropriate for fee waiver requests, formal disputes, and questions that benefit from a written record. Response times are typically 1–2 business days.

BMO’s @BMO handle and Facebook presence offer general guidance. Do not share personal account information through social media channels.

Branch Support

For complex transactions — wire transfers, safe deposit box access, certified cheques, mortgage applications, US dollar account setup, BMO InvestorLine account opening — visiting a branch with government-issued ID is most efficient.

Use the BMO branch locator at bmo.com or in the BMO app to find your nearest branch, confirm hours, and check available services. BMO’s multilingual branch staff in major cities can assist in French, Punjabi, Mandarin, Cantonese, and other languages.

BMO InvestorLine Support

BMO InvestorLine is a separate platform from BMO personal banking and has its own dedicated support line:

InvestorLine Contact	Details
Phone	1-888-776-6886
Hours	Mon–Fri 8:00 AM – 8:00 PM ET
Topics	Trades, account transfers, platform issues, registered account questions

For account transfers to InvestorLine from another brokerage (RRSP or TFSA transfer-in), InvestorLine can initiate the process by phone or through the platform. Transfer fees charged by the outgoing institution are sometimes reimbursed — ask InvestorLine directly.

Complaint Escalation

Step	Contact	Details
1. Front-line	1-877-225-5266	First contact for any issue
2. BMO Ombudsman	1-800-371-2541	Internal escalation; dedicated resolution team
3. OBSI	obsi.ca	Independent federal ombudsman; free service

The BMO Ombudsman (step 2) is an internal but dedicated escalation path — more formal than repeating a front-line call. OBSI (step 3) is the external independent body and is the final step before regulatory complaint to FCAC.

BMO support wait times by channel

Channel	Typical Wait	Best For
Phone (1-877-225-5266)	5–20 min (peak); <5 min (off-peak)	Fraud, disputes, complex account changes
BMO app chat	1–5 min	Balance questions, e-Transfers, basic queries
Online banking message	1–2 business days	Non-urgent account questions
Branch visit	Walk-in or book appointment	Mortgages, complex accounts, medallion signatures

Best time to call BMO: 8–9 AM ET weekdays or 2–4 PM ET — lowest call volumes.

Tips for faster BMO customer service

Use the BMO app for simple tasks — Balance checks, e-Transfers, locking a card, and bill payment changes can all be done in the app without waiting on hold
Have your card and SIN ready — BMO verifies identity before discussing account details; delays occur when customers need to find their card number
Use the call-back option — When hold times are long, BMO’s automated system can call you back when an agent is free
Book a branch appointment online — For mortgages, complex account changes, or signatures, booking at bmo.com avoids walk-in waits
Escalate strategically — If a front-line agent cannot resolve your issue, ask to speak with a senior customer service representative before escalating to the Ombudsman