Making your BMO credit card payment 

Making your BMO credit card payment on time is one of the easiest ways to maintain a healthy credit score, avoid late payment fees, and keep your account in good standing. Whether you prefer paying through BMO Online Banking, the BMO Mobile Banking App, automatic payments, telephone banking, or in person, BMO offers several secure and convenient payment methods.

Making payments before the due date helps you:

• Avoid late payment penalties

• Reduce interest charges

• Improve your credit score

• Maintain a good payment history

• Increase the likelihood of future credit limit increases

• Keep your account active and in good standing

1. Pay Through BMO Online Banking

This is the fastest and most popular payment method.

Steps:

1. Sign in to your BMO Online Banking account.

2. Select Payments.

3. Choose Pay Bills.

4. Select your BMO Credit Card.

5. Enter the payment amount.

6. Choose the payment date.

7. Review your payment details.

8. Click Submit.

Your payment confirmation will appear immediately.

2. Pay Using the BMO Mobile Banking App

If you're on the go, the BMO Mobile Banking App makes payments simple.

Steps:

• Open the BMO Mobile Banking App.

• Log into your account.

• Tap Pay Bills.

• Choose your BMO Credit Card.

• Enter the payment amount.

• Confirm your payment.

Payments can be completed within minutes.

3. Set Up Automatic Payments (AutoPay)

Never worry about missing another due date.

With AutoPay you can schedule:

• Minimum payment

• Statement balance

• Fixed monthly amount

• Custom recurring payment

Benefits

• Never miss a payment

• Avoid late fees

• Save time

• Improve payment consistency

4. Pay from Another Bank

You can pay your BMO credit card from another financial institution.

Simply:

• Log into your bank.

• Add BMO Credit Card as a payee.

• Enter your credit card number.

• Choose the payment amount.

• Confirm the transaction.

Allow 1–3 business days for processing.

5. Telephone Banking

You can also make payments over the phone by accessing BMO Telephone Banking.

Follow the automated instructions to complete your payment securely.

6. Visit a BMO Branch

If you prefer in-person banking:

• Visit your nearest BMO branch.

• Bring your credit card or account number.

• Pay using cash or funds from your BMO account.

• Receive a printed receipt.

• Enable payment reminders.

• Schedule AutoPay.

• Pay several days before your due date.

• Monitor your statement balance regularly.

• Keep enough funds in your bank account.

• Review your transactions monthly.