Step 1: Check the Contents of Your Card Package
Step 1: Check the Contents of Your Card Package
When your new BMO card arrives, your package should include:- Your new BMO credit card or debit card
- A welcome letter with your card number and account details
- Instructions for activation (the package will reference bmo.com/activate)
- A separate PIN mailer (for debit cards) or instructions for selecting a PIN
If you did not receive all items or if the package appears tampered with, call BMO immediately at 1-877-225-5266 (credit) or 1-800-363-9992 (debit) before activating.
Step 2: Activate Your Card Online
The fastest way to activate your new BMO card is at bmo.com/activate.1
Visit bmo.com/activate
Go to https://www.bmo.com/activate on any browser.
2
Sign in to BMO online banking
Enter your BMO username and password. If you have never used BMO online banking before, click Register Now and follow the steps to enroll.
3
Enter your card details
Provide your card number, expiry date, and CVV when prompted.
4
Confirm activation
Click Activate Now and wait for the confirmation. Your card is immediately active.
Step 3: Set Up Your PIN
After activating your card, set up your PIN at any BMO ATM:1
Find a BMO ATM
Use the BMO branch and ATM locator at bmo.com to find a nearby ATM.
2
Insert your card and enter the temporary PIN
If you received a temporary PIN in a separate envelope, enter it now.
3
Select a new PIN
Follow the ATM prompts to choose a new 4-digit PIN. Avoid obvious combinations like your birth year or repeated digits.