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Hours are terrible (close at 5) have to go in or schedule an appointment to do anything. Phone customer service is awful, you get a different answer every time you call. I’ve hated this bank for years I wish I’d never started using them again
Worst bank in the whole world the dumb retards will make so many mistakes and waste your time play games and have you spend all day on phone fixing there mistake
This bank is a total joke. Tried to take advantage of their $1000 bonus for a new business checking account. Had to upload tons of documents and personal info, only to be told they needed more...and more...and more... this went on for over A WEEK before they made one last document request that was absolutely ridiculous. I told them that NO OTHER BANK makes customers jump through SO MANY OBSTACLES to open a SIMPLE CHECKING ACCOUNT! Don't waste your time with this bank. They tried upselling me on all kinds of other products and then obviously did not want to open a checking account and give me $1000 AS ADVERTISED because I didn't want to purchase any other products. They're crooks
Bounced back my cheque written for 2nd of October that was received on 1st of October... charged me 48 CAD for that... like why?? the cheque was written for next day when I receive my pay, why not wait JUST ONE DAY?? no... bounce back and get extra 48 CAD...
On-line services frequently not available. Wait forever on the telephone. Staff not knowledgable. Been a customer for over 40 years and their service has gone downhill drastically in the last 5.
In the year 2025 still requires physical visit to apply for a mere credit card, and then still denied due to clerical error on their part. Fixed it after a phone call, and they still want $25 to expedite the card to me. I've bought and sold real estate with far less hassle. I have banked with TD, Royal, CIBC, HSBC, Scotia, National as well as a bunch of credit unions, and hands down BMO is the WORST by a long mile. Every interaction is best described as "painful". They are stuck in the 1980s where you have to show up in person to do anything, different dep't don't talk or have access, and crazy stingy with everything, as if consumers are begging for credit in ye olde times.
I have never written a review this angry in my life, but my experience with BMO Mastercard over the past few months has been nothing short of a nightmare. A few months ago, my bag was stolen along with my BMO Mastercard. I did the responsible thing: I immediately cancelled the card and had a replacement sent. When the new card arrived, I tried to register it with BMO online and in the app so I could continue to monitor my account, track transactions, and make my payments like I’ve done for 10+ years as a loyal customer. That’s when the nightmare began. Every single attempt to sign in or register the new card (easily 50+ times, across both the app and website) returned the same error: “There’s an issue on our end, try again later.” But I was never able to regain access. I started calling customer service — dozens of times — only to be passed from person to person, department to department, with no one offering help or taking responsibility. Meanwhile, BMO began telling me I owed huge fines for missed payments and being over-limit. Payments I missed ONLY because BMO locked me out of my account. For over 10 years I’ve never once missed a payment, and I’ve always used their app to stay on top of things. My account was in good standing when I received my new card. But because their system locked me out, I was punished with egregious charges and told that I could only regain access if I paid these charges. I then made some payments over the phone while being told to “call back later”, once payments had gone through, so that I could resolve the issue. Then suddenly, I was informed my card had been completely cancelled — permanently. And because it was cancelled, I was told it can’t be reopened. BMO has treated me like I’m solely responsible for their technical failure. No explanations. No accountability. No solutions. Just penalties, frustration, and endless wasted hours on the phone. This company is faceless. They do not value loyalty. Their “service” is purely transactional, and the customer seems to always be the one left holding the blame. After more than a decade of being a good customer, I’ve been punished, penalized, and dismissed — all because I was simply trying to pay them on time in the way I did for years. I can no longer recommend BMO or their Mastercard to anyone. If I could, I would warn the entire world to avoid them. This experience has shown me that BMO seems to have nothing but overwhelming contempt for its loyal customers. As far as I am concerned BMO is a mirror image of hell itself — an organization run by the devil, its processes carried out by demons. Do yourself a favour and avoid BMO and Mastercard like the plague they are. Good riddance to BMO.
I HAVE FACIAL RECOGNITION ON MY PHONE, WHEN I USE IT, IT WANTS A PASSWORD TO GO WITH IT. THREE DAYS AGO MY FACIAL RECOGNITION WORKED FINE. NOW IT DOES NOT WORK. YESTERDAY I RESET MY PASSWORD 4 TIMES, BECAUSE IT SAID IT MY INFORMATION WAS WRONG. THIS MORNING IYOU WOULD NOT TAKE THE LAST PASSWORD I CHANGE IT TO AND AGAIN I WAS TOLD MY INFORMATION DID NOT MATCH YOU RECORDS. I TYPE MY PASSWORDS IN A FILE ON MY COMPUTER, SO I KNOW THE INFORMATION IS THE CORRECT INFORMATION. TODAY I WENT TO THE BRANCH I DO BUSINESS WITH THEY FIXED IT, BUT WHEN I GOT ON THE BUS TO COME HOME MY FACIAL DID NOT WORK. ALSO THE PASSWORD THAT I RESET AT THE BRANCH AND AGAIN I WAS TOLD MY INFORMATION DID NOT MATCH. ALL TOGETHER I'V SPENT AN HOUR ON THE PHONE WITH YOU CUSTOMER SERVICE DEPARTMENT WITH NO RESUALTS. I'VE BANKED EWITH YOUR BANK FOR 25 YEARS. NOW I'M TREATED LIKE YESTERDAYS NEWSPAPER. IF I HAVE FACIAL RECOGNITION WHY DO THEY ALSO NEED A PASSWORD. NOW MY FACIAL RECOGNITION NO LONGER WORKS. WHY IS IT IF YOUR DISABLED EVERYBODY TREATS LIKE CRAP, AND MAKES JUMP THROUGH A BUNCH OF HOOPS TO GET WHERE YOU NEED TO BE.
Extremely disappointed. Agent closed wrong credit card even after confirming multiple times. Incompetency beyond belief
BMO says their Global Money transfer are fast and efficient. I did a GMT over 5 business days ago and still the money hasn't left my account bound supposedly for the UK. Phoned twice only to be told it takes 5 business days and if it was not there by the following Monday I could call them again for BMO to do an investigation. I asked how long that might take and some idiot said could take two weeks. A pathetic and dilatory company who I wished I never dealt with.
The staff are professional and courteous.
In regards to pending charges. They always have a habit of delaying releasing the money for a long time. Im talking days in situations like cancelations with the merchants. They blame the merchant when the merchant already knows its canceled and goes back to blame bmo. Also Bmo plays a sick game of depositing back the money or debiting my account and then hours later withdraws it. So far its been going like this a few times. Back and forth. Its still not debited back into my account and its been about a week.
Few days ago I did deposit an item to my account. Today when I did connect to my account trough application system shows everything clear and no hold but when I tried to do transaction, system refused due to not cleared item. I called and explained situation to bank employee on the phone, unfortunately she was repeating same thing and seems she was not carrying about anything else, then I asked for a supervisor that I transfered on hold for ever.....almost half-hour later without anybody answer I had to hang up. This is end up poor people who are dealing with called Bank of Montreal (BMO).
I opened a new BMO account and deposited a legitimate insurance payment after a traumatic home robbery. After withdrawing $1,000, my card was locked. I called, verified my identity, and was told it would be resolved. The next day, I visited the El Cerrito branch to withdraw $8,500 and was met with cold suspicion, not customer service. Despite verifying my identity again, and showing documentation, the branch escalated my account into a fraud investigation. BMO then froze over $14,000 of my money and told me I might not get access for 30–90 days. There was no fraud, no error on my part, and no explanation given beyond vague policy language. This kind of behavior is unacceptable—and not isolated. Look around: BMO has a pattern of freezing accounts and holding legitimate deposits under the guise of fraud investigations. I filed an internal discrimination complaint (Case #: F-03038506) because this situation reflects clear profiling and bias. I’m a UC Berkeley student, father, and reentry advocate. I’ve worked hard to rebuild my life, and this experience has been retraumatizing and financially destabilizing. I’ve escalated this to regulatory agencies and consumer advocates, and I’m warning others: do not trust BMO with your money.
Don't have your AI call me pretending to be a human selling me loans. It makes me want to take my substantial mortgage somewhere else.
Worst bank , bad service and now im without bank account already 2 week cause they cant send the right card its ridiculos
BMO forced me to open a checking account through them in order to receive my cash back rewards for the credit account I had, which I'd never had to before because they deposited it into the account they draw my payments from. reluctantly I agreed as long as it was a free checking account with no fees, months later I learn they snuck in paper statements even though I said only e-statements and they drew back my cash back rewards with fees. then lied about it and kept the money when confronted.
The worst bank in Canada. Can’t manage their online platforms. Finally had enough….moving my investments to Questrade.
Can't log in to my account 95% of the time. Failure notice. Maybe once a week I can get in. There is no way to send them an email or get through on the phone. All of their help assistance is garbage, doesn't work. On top of that a local branch manager told me in the past that the bank might steal my savings.
Had 30k plus in credit never had a late payment or missed payment in my life, 95 percent of the time I pay in full, I have a construction company. Used 30 k for material one month and paid back 30k in the same month in full they dropped my credit from 30k to 500$ lmao what a joke. They also double charge me whenever I spend lots because there system is extra slow. Let’s say I have 500 in chequing I use 200$ the money leaves my account as I have no overdraft, they put the money on hold and when it comes off hold they take another 200$ I just had to fight with them for 3 hours and finally the supervisors supervisor said that there is something wrong with the system and reimbursed me. I just had 7500$ put into my account yesterday then transferred it to the new bank I used as soon as I did that they locked one of my credit cards it’s says it’s not activated when the day before I used some and payed it. I have money so none of this really affects me but what about the buisness people who need there credit card. There at risk of paying everything and loosing it when they might need it. Imagine going to buy supplies the next day and your card is getting declined but you don’t no why then you check your bank and it shows from 30k to 500$ that would affect the normal person. No email explaining why nothing who even pays 30k in full to a credit card no one does. Everything I’m saying I have proof for I can show my credit history, payment history and more. I had a 7k pc credit card that was raised aswell during all this bmo shows to be untrust worthy It’s the only bank where anything you buy it shows money on hold that means there system is to slow to even read that you bought a drink or anything until the next few days. Transactions don’t show half the time until a few days later so when you do look at your account it’s a big mess.
