First they reduced my overdraft from 1000 to 250 $ Then they reduced my Credit card . Now they have canceled my card Ive never had a late payment and have all three incomes going into my account I do... See more
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So my son went into the bank this morning to find out why he was charged $1.25 x 25 and they said for transactions so he asked what transactions and the idiot refused to tell him. Also they changed hi... See more
They have taken my money hostage!! If I could give this communist bank 0 stars they would get -5. Terrible bank all around. If you have money in there RUN TO GET IT OUT ASAP. This institution l... See more
I have a business account with BMO, and one day all my recurring payments vanished from online banking. I called in. They said they could see them on their end, but had no explanation for why I... See more
Absolutely amazing,friendly, and welcoming customer service. Do everything to try and help meet customers with their needs. Fast reliable loyal and trustworthy bank. I recommend BMO to everyone and an... See more
As a business owner I have had to use a BMO $20k limit credit card , little did I know that BMO would call me relentlessly night and day , on sundays , early as 7 am , over and over sometimes up to 5... See more
BMO are totally North America centric. Cannot give us a validation code required under new rules for internet banking. No way we can now access our BMO chequing account from Australia because we... See more
Only 2 tellers on Friday of long weekend and slowest I've seen. Completely unexceptable. Bmo manager should be deeply ashamed of this service. 12 people in line that hasn't moved in 10mins. Tellers s... See more
After receiving notification that I could not access my account due to all of my contact details being changed, I spent over three frustrating hours bouncing back and forth between 1-800-BMO and my BM... See more
Are You Customer-Centric or Customer-Led? Let’s start with a question: Is BMO truly customer-focused or just customer-friendly? It took me 3 days to reset my online banking password. You can't m... See more
I have banked with many different banks over 60 years BMO Bank of Montreal is absolutely a nightmare to use . Good luck trying to get assistance they ask so many questions to identifying you but rea... See more
Terrible bank that will find innovative ways to nickle and dime their customers at every turn. Just recently, they changed their requirements to get credit card fees waived. You now need to spend 15... See more
In my experience this is the most outdated bank for the 21-century! I need several attempts to sign in on line. Their system dares to tell me that my dob is wrong; it couldn’t send me a verificatio... See more
Awful services. I am getting all my money out and switching to TD. Why is there such a low limit on debit card expenditure? Why do I need permission from BMO everytime to spend my money in the name of... See more
BMO is the entity of thieves. My account has been stolen by un authorized people many times. I believe the bank staffs are themselves who are selling my bank info to unauthorized thieves. The proof to... See more
Poor service. Branch doesn’t answer phone. My mother who’s 85 living in UK they won’t send her a card and her pension goes into account and no access to it. Emailed, phoned no resolution numerous t... See more
WORST BANK EVER! I'm writing to warn others about the horrible experience I've had with BMO. Their incompetence and lack of customer care is astounding. I've had multiple horrible experiences... See more
This is literally the worst bank ever. They reversed a dispute for a FRAUD charge that they ADMITTED was fraud to the point of closing my debit card, then reversed it and told me I was liable to pay t... See more
BMO keeps reducing my credit limit without any notification, even when I'm paying off my debt. This really plays with my credit score as it makes my percentage of credit usage higher. I have credit wi... See more
Fees...fees... Arbitrarily deciding to close my LOC when I'm making my payments... asking me if I want to discuss a mortgage, after they closed my account for no reason...not returning my calls...the... See more
Loc gone, Poof, credit card gone,,,Poof just like that! Customer service employees can’t say why, Branch manager finally sheds light, “ BMO did this to thousands of people across Canada. No warning,... See more
Their DIY "service" continues to be abysmal. Thought I would get a prepaid mastercard for travel. Simple right, like you can get at many other retailers. Nope. Need to complete an entire new fina... See more
Arguably, the worst of the big Canadian Banks when it comes to customer service policies. I brought in a Certified Bank Draft payable to BMO to pay off a line of credit, and they wouldn't accept i... See more
Just got dropped from a bank person named Kenya or Kinya not helpfull for any information was clueless and without advising me just sent my call to another department where I was waiting. Then I decid... See more
Blown away by this financial institution. They lowered my credit card limit to the amount I owe, maxing out my debt servicing ratio with them. Ive never missed a payment, put $6,000 on my credi... See more
BMO has no regard whatsoever for their clients. Twice they have reduced my credit limits without warning and today I received notification that they were closing my credit line. My accounts are... See more
Saying this after being a customer for over 9 years. Worst experience ever! From my years of efforts and pre approvals I reached a credit limit of $23,000 which they reduced over night to $500 e... See more
They randomly decided to close my credit card that’s paid and not behind at all and my credit score is good. They told me they reviewed my credit and history and makes absolutely no sense!! They just... See more
The worst ever administration in the West Island of Montreal. I deposited my file at the Ombudsman against false mortgages calculations, not one but 3. Just moved out of BMO to RBC. I know that in a... See more
I have been a customer of BMO for approx 30 years and this coming week I have an appointment with another bank to open an account. I will slowly transfer everything to my new bank and once I've compl... See more
Absolutely the worse bank I've dealt with in over 10 countries. BMOs incompetence is unrivaled. I lived in over 10 countries before moving to BC and regret the moment I decided to open an account with... See more
I asked for help through telephone customer service and waited 40 minutes before the call was answered. Then the customer service rep could not find an answer to what my promotional interest rate was... See more
If less would be possible...THIS PEOPLE DESERVE EVEN ONE!!! Unfortunately not possibile! This CLUB has dimostrated no kind PROFESSIONALITY or similar at all. A serious bank institute has surely anothe... See more
I have been with BMO for over 30 years! A while back they did some things regarding my account and after bringing it to their attention I received an apology and was guaranteed it would never happen a... See more
Why is your blasted call centers not in CANADA??? Why is not your employees any percentage Indigenous in any of your banks?? My son went into your tuxedo branch in Winnipeg failed to tell him they w... See more
I have been dealing with BMO for many years for business banking. I am typically inactive with the banking info. I walked into the Leaside Toronto Branch ( 1670 Bayview ) today and was delighted wit... See more
This bank BMO not recomanded I have been always paid on time the minmum and tbey suddenly close my credit card!!!!! Please note since a while I notice all my payment not reduce my credit card Bala... See more
Apparently they can’t afford employees. There are ten people bullshitting with one another as a line of 15 continued to build with two useless slow motion tellers. What is the point. Only here because... See more
I am locked out of online banking because I don't have a functioning cellphone. Their site says they will *call* you with a verification code, but I was informed by one of their employees that this... See more
I have never missed a payment on my credit card. I received an email from BMO informing me that they have cancelled my credit card account. Moreover I have been a customer for more than 20 years. A ba... See more
DISASTROUS BANK, STAY AWAY FROM BMO.. Over a period of nearly a month and a half, I requested to make appointment to add more money to my RRSPS'S and was declined in two branches, because there wa... See more
After fifteen years with Bank of the West the take over by BMO was a disaster. After numerous issues decided closing my account. Left the credit card hoping its use would prove advantageous. Wrong! C... See more
I'd rate it 0 for complete lack of awareness from bank tellers, locked me out of my account because my phone nu ber was not a post plan randomly on pay day the day before rent payment. This is not... See more
I tried to reverse a charge on my credit card over the phone. The representative asked me a bunch of security question which were not the normal ones then told me that I did not answer them correctly... See more
New customer. Poor customer service
Tried to set up online banking after opening a new account. The teller explained it in detail and it should have been an easy process. After over 2 hours and multiple phone calls because no one could provide me the necessary information I finally had online banking set up. Extremely frustrating as a new client. I was not impressed at the disorganization. This bank needs to fix their system.
12 February 2026
Unprompted review
Dont care about customers
Oy....if u want the bank that does not care about their customers - chose BMO.
The care is gone.
4 February 2026
Unprompted review
So my son went into the bank this…
So my son went into the bank this morning to find out why he was charged $1.25 x 25 and they said for transactions so he asked what transactions and the idiot refused to tell him. Also they changed his account to one that you need a minimum balance of $3000 a month, it doesn't take a genius to see that he doesn't even get $800/month but they decided to change his account WITHOUT HIS CONSENT. I think bmo just hires idiots or scammers to rip off their clients and I think ALL bmos should be shut down and their tellers charged with fraud. What a freakin joke.
9 February 2026
Unprompted review
They have taken my money hostage!
They have taken my money hostage!! If I could give this communist bank 0 stars they would get -5. Terrible bank all around. If you have money in there RUN TO GET IT OUT ASAP. This institution lies to you, refuses to fulfill your online transfers, won’t deliver your electronic checks with the excuse, the institution you sent the check to refused it. Can’t get anywhere with customer service that’s if you get to talk to a real person. It feels like I am dealing with a Communist Bank.
They have take my money hostage!!
5 February 2026
Unprompted review
Poor service results in losing customer
I have had a BMO account and credit card for over 5 years and with no warning at all and a balance of 60$ on my credit card they went and closed the credit card account on me. I went into the bank and they said I had to call the number on the back of the card as they couldn’t help me. I did that to find out my account was closed Jan 21, 2026. When I asked why no one seemed to be able to answer me. I’ve paid all my bills on time and paid off in full every month. Such poor customer service on their end. I do not recommend anyone using BMO.
I have since closed my other accounts and will take my banking elsewhere.
4 February 2026
Unprompted review
I am currently based in the UK and have…
I am currently based in the UK and have started receiving emails from BMO regarding a credit card account I never opened. Fearing identity theft, I called their customer service team. Despite receiving multiple emails from BMO to my personal address, the agent 'could not verify' me because I didn’t have the full card number (which I obviously don't have, as I didn't open the account!).
There was zero empathy and zero initiative. No offer to escalate to a fraud specialist, no security department email provided, and no reassurance regarding liability. Instead, the advisor became irate and eventually hung up because I couldn't provide data for an account that isn't mine. To top it off, the only 'solution' offered was to visit a branch in person—despite me explaining repeatedly that I live in the UK. BMO needs to stop hidden behind scripts and start treating potential fraud victims like humans. Utterly incompetent and dismissive.
4 February 2026
Unprompted review
utterly awful
utterly awful. they charge fees at every chance they get. so greedy its disgusting.
3 February 2026
Unprompted review
First they reduced my overdraft from…
First they reduced my overdraft from 1000 to 250 $ Then they reduced my Credit card . Now they have canceled my card Ive never had a late payment and have all three incomes going into my account I do not have a saving or portfolio with these inept cruel sly bankers . Im a senior retired firefighter and they treat me like crap I have money but they want it all or they won't do business . Screw them
2 February 2026
Unprompted review
BMO bank
Absolutely amazing,friendly, and welcoming customer service. Do everything to try and help meet customers with their needs. Fast reliable loyal and trustworthy bank. I recommend BMO to everyone and anyone. The only bank that I will deal with or bring and entice more customers to bring there business to BMO
31 January 2026
Unprompted review
Relentlessly useless
As a business owner I have had to use a BMO $20k limit credit card , little did I know that BMO would call me relentlessly night and day , on sundays , early as 7 am , over and over sometimes up to 5 times per day just to tell me my account is over due a $125 on a payment .This went on for years, literal harassment. I had my lawyer pay them off in full. I will not be using them again and I will tell everyone about my horrible experience when ever I can. I’d rate them Zero out of a 100 stars.
30 January 2026
Unprompted review
Closing accounts in good standing…
Closing accounts in good standing without notice effecting people’s credit score. Sleazy bank
8 January 2026
Unprompted review
This is literally the worst bank ever
This is literally the worst bank ever. They reversed a dispute for a FRAUD charge that they ADMITTED was fraud to the point of closing my debit card, then reversed it and told me I was liable to pay the charge. They then closed my bank account when I refused to pay and removed my entire bank history so I no longer have access to bank statements. This bank should be investigated for fraud.
29 January 2026
Unprompted review
Mortgage
This is one of the worst banks I have ever dealt with. Everything is so complicated, and most of the time, the people you talk to don't realise how stressful they are making things for you. I applied for a skipped payment for my mortgage in December 2025 for January payment, which was approved and I received a confirmation email. But then, in early January, the payment was sent back to the bank. Since 5 January 2026, I have received no fewer than 40 phone calls, 20 emails and several text messages asking for the payment, even though it was approved to be skipped. Now I need to have my skipped payment approved by management, and I still don't know why. It was finally approved, but I had to go to the bank to drop off my T4s, payslips and municipal tax documents. I really don't know why, as they already have this information on file. So, if you're considering switching your mortgage to this bank, think twice — there are better options out there.
28 January 2026
Unprompted review
This bank BMO not recomanded
This bank BMO not recomanded
I have been always paid on time the minmum and tbey suddenly close my credit card!!!!!
Please note since a while I notice all my payment not reduce my credit card Balance
It serious issue
23 January 2026
Unprompted review
Welcome offer not honoured
I opened a new account to get a welcome offer of $400. It wasn't until eight months later they told me I didn't qualify because I hadn't used my account in time after opening.
Well. The reason I didn't use my account was because I was waiting for a card. The Canada Post strike happened, and it took a month to receive.
So this lady is like "why did it take you a month to use your card?" Uh, because I didn't have it yet. Which was not my fault. The bonus should have been granted.
29 December 2025
Unprompted review
Bank is going out of business
This bank is in trouble .They are going after small time customers like me .What is 10,000 for such a large bank to track my payment and then reduce my credit limit after I make a payment you know they have no cash .They reduced my credit limit and then sent me a notice that they will be charging me 29 dollars after they are the ones who reduced my credit limit .So not only did a purchase I was trying to make not go through they are anticipating I will pay them an additional 29 dollars because apparently they think everyone is born stupid .Those of you who have accounts with this bank especially any kind of loan accounts check your balances .They reduced my personal line of credit from 25000 to 3000 no advance notice nothing when I asked for an explanation they sent a fake manager asking me to reapply.They are so tone deaf they think they can treat people like trash and still keep them as customers.Am walking while I still can patronize this ROGUE bank at your own peril.
23 January 2026
Unprompted review
Awful services
Awful services. I am getting all my money out and switching to TD. Why is there such a low limit on debit card expenditure? Why do I need permission from BMO everytime to spend my money in the name of "fraud prevention"? If that's the case what's the use for multi-factor verification? Worst of all, the call support is classless. Impatient, condescending and NOT-CANADIAN (this is a huge issue as the communication was often very unpleasant and the practice of mass outsourcing deprives local communities of their livelihood for corporate greed)!!!
24 January 2026
Unprompted review
Unnecessarily Complicated and Frustrating
I’ve had a BMO current account for over a year with no issues, yet suddenly I’m required to visit a branch to verify my account. This process is confusing, time-consuming, and entirely unnecessary.
It’s hard to see how this qualifies as “professionalism” when something that should be simple is made so complicated. What should be a quick, straightforward experience has become a major hassle.
For a bank I’ve trusted for over a year, this was a disappointing and frustrating experience. Customer service should simplify life, not make it harder.
23 January 2026
Unprompted review
Finally one sane person solved my issues.
After receiving notification that I could not access my account due to all of my contact details being changed, I spent over three frustrating hours bouncing back and forth between 1-800-BMO and my BMO branch, like a ping pong ball numerous times. Finally late for work, and seeing a branch teller for the 5th time, my issues were finally solved by Irram! This good review is strictly my special thanks to Irram!
20 January 2026
Unprompted review
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