Review Insights · Google Play
BMO Canada
BMO · 101,699 ratings · ★ 4.3
4.3
★★★★★
101,699 ratings
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Top complaints - extracted from 71 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"update"
12 negative reviews mention this · 17% of all complaints
★★★★★ "the update has resulted in the App not recognizing my password, locked my account forcing me me to change password, it has done the same to the credit card account on app. 🤬" - Barbara Lyn
2
"login"
12 negative reviews mention this · 17% of all complaints
★★★★★ "The latest BMO app version does not work! When I try to open the app, the lock icon only spins forever. I already tried reinstalling the app and was able to log in the first time, but the same problem occurs when I try to log in again later…" - Sam W
3
"work"
11 negative reviews mention this · 15% of all complaints
★★★★★ "suddenly stopped working and hasn't worked since. Just says they will fix it soon but its been months" - Alex Kassaye
4
"card"
11 negative reviews mention this · 15% of all complaints
★★★★★ "the update has resulted in the App not recognizing my password, locked my account forcing me me to change password, it has done the same to the credit card account on app. 🤬" - Barbara Lyn
5
"bank"
10 negative reviews mention this · 14% of all complaints
★★★★★ "I give my rating a Negative 50/50 I've had the worst experiences With Bmo and them screwing me over and over again I wouldn't tell anyone to go to such a Bank with The Worst Possible customer service there is on Earthly Possible I used to l…" - black jack42
6
"does"
10 negative reviews mention this · 14% of all complaints
★★★★★ "terrible app. ruins the BMO experience. constantly getting locked out. doesn't recognize phone numbers" - Daniyal Shaikh
7
"issue"
9 negative reviews mention this · 13% of all complaints
★★★★★ "WORST large bank ever. if you travel, do NOT use BMO as they will leave you stranded in a foreign country without help. meanwhile TD Bank express couriers their clients a new card overnight no matter where you are. this company lies for goo…" - Angélica
8
"loading"
9 negative reviews mention this · 13% of all complaints
★★★★★ "stupid app doesn't work. the issue is with logging in. the app won't login. it keeps loading. I've to uninstall and reinstall the app each time I login for the app to work." - Najath Karim
9
"working"
8 negative reviews mention this · 11% of all complaints
★★★★★ "suddenly stopped working and hasn't worked since. Just says they will fix it soon but its been months" - Alex Kassaye
10
"been"
8 negative reviews mention this · 11% of all complaints
★★★★★ "suddenly stopped working and hasn't worked since. Just says they will fix it soon but its been months" - Alex Kassaye
11
"doesn"
8 negative reviews mention this · 11% of all complaints
★★★★★ "terrible app. ruins the BMO experience. constantly getting locked out. doesn't recognize phone numbers" - Daniyal Shaikh
📋 All 71 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
suddenly stopped working and hasn't worked since. Just says they will fix it soon but its been months
I give my rating a Negative 50/50 I've had the worst experiences With Bmo and them screwing me over and over again I wouldn't tell anyone to go to such a Bank with The Worst Possible customer service there is on Earthly Possible I used to love this bank now though not anymore
terrible app. ruins the BMO experience. constantly getting locked out. doesn't recognize phone numbers
difficult to make it work
i live in a town that doesnt have banks. i called to up my transaction amount and they said they cant i need to go intk a branch. ur gonna make me drive 5 hours to a town just to up my plan and then drive back... pathetic. the next time im in that town im gonna change banks instead. what a waist of time.
the app reflects transactions very slow sometimes it takes days on my CC, it's 2026, it should be real time reflection.
the update has resulted in the App not recognizing my password, locked my account forcing me me to change password, it has done the same to the credit card account on app. 🤬
App was great until recently when I noticed that my credit card transactions disappear for no reason.
cannot get into my bank keep trying and it is no good
very frustrating, always updating
I downloaded the app and it freezes then the screen goes blank. This is my first time trying to do on line banking. I say this one of the (WORST APP )
Awful app kept asking me for verification. how can I verify if I am out of the country? Innovation is backwards. I can't see my credit card statement, it kept switching to account transfers. Bad app. Worse with every update. Awful layout. Old is better. I can't even screenshot my own financials as proof. Why do you have to change things with every update. Don't fix what's working! You keep breaking your app. Awful layout.
WORST large bank ever. if you travel, do NOT use BMO as they will leave you stranded in a foreign country without help. meanwhile TD Bank express couriers their clients a new card overnight no matter where you are. this company lies for good press, they could care less about their clients. Customer service has hung up on me at least a dozen times in 3 years when they didn't want to deal with the problem. taking the issue to their HO complaints made no difference. Rudeness to clients is acceptabl
Edit again: Nothing has been fixed. Let's keep repeating the problem which is DNS tracking and user monitoring harvesting. it still doesn't load and I've reduced my security. basically I can't use the BMO app unless I drop all of my security. That isn't right. That is so wrong. I don't want a phone number I want an email for app support.
don't work
Can't get into my account, says I have to get the app, I've got the app. What is next?
Can't update. what's wrong with this app?? put it back
app is completely useless, i cant deposit money in my account even when they say i can, i haven't had a paycheck in 3 months bc they will not let money go into my account app doesnt tell you why or give u any history updates EVER very disappointing i have had bmo since 2008 and i never had issues till 2026
keeps updating
can't log in with biometrics. same error message everytime "there's a problem with remember my card". Customer service says the issue is on my side but I tried with 2 different phones so it's clear the issue is on the app side.
My updating has been frustrating . It should be very easy. What if I cant get it right by cpp and other government funds that come in at this time of the month
app wont load after new installation
Unable to sign in most of the time, when I can sign in I am unable to add a card to Google pay. Biometrics also not working.
can't sign in!!
Always been great! Until after the last update, now when trying to log on the app just circles and circles stuck. uninstalled the app. logged in my info and thought it would be fine. However still doing the same thing. Now it's every time I want to use the app, first must uninstall then install and input all the info once again. Getting very tired of this Happy BMO reached out and requested I call their till free number. Why , when all the automated options took me nowhere that could assist.
For 2 months now I have been unable to pay bills (sorry something went wrong on our end) message keeps coming up so have been having to pay by credit card. At this point im ready to leave this bank as its been nothing but headaches for the last 4 years
Biometrics sign in doesn't work even after latest update I see a reply asking for more details but unsure how to share? Editing the review to include more info seems like a roundabout method when I should just get a phone number or email to contact.
disgusting experience
The latest BMO app version does not work! When I try to open the app, the lock icon only spins forever. I already tried reinstalling the app and was able to log in the first time, but the same problem occurs when I try to log in again later. I am using a Samsung S25+ phone that is fully up-to-date om Android 16. Edit: I am in Toronto. Edit: The problem seems to occurs when I turn on fingerprint biometric login. When I turn that off, I am able to log in by entering my password.
Endless "You should know" pop ups with most of them blank... have to hit "Got It" every time to continue, but honestly, I really don't get it....
stupid app doesn't work. the issue is with logging in. the app won't login. it keeps loading. I've to uninstall and reinstall the app each time I login for the app to work.
Update: The resolution suggested does nothing and other android users are also experiencing this same problem of the app stuck on the loading screen nased the reviews. PLEASE FIX ASAP
since the last update the app is completely bricked, wont load at all, just gives an error that i lost the connection even though im fully connected. *EDIT* reinstalled app and did not re-enable biometric sign in. the app just doesnt work now
unable to log in from abroad. needing to make bill payments but the app is not loading my credentials so I'm unable to log in. tried other banking apps and they work fine even if i try logging in outside Canada. Comment to reply Apr 15: Thank you! Tried doing suggestion but still the same result. Credentials still won't load after forced closing and reopening the app.
Awful! The app is stuck in loading and I see by the comments a few people have this problem. Fix this BMO. I'm trying to make an large purchase and cannot without a working app. Really, fix this. No excuses. And I have tried force closing the app.
App is glitching. It doesn't open for me to sign in. I have uninstalled and reinstalled 3 times.It only works immediately after install and then does work anymore after logout. I think app needs some debugging.
lately it wont even open. it has become a pain. i cant check daily transactions. there should also be a number i can reach out when I'm not in Canada nor U.S.
Good app, if it can be logged into. Does not even get to the login page, only says loading. Ongoing issue that has not been addressed in a long time.
app constantly does not open or freezes.cleared my cache, Uninstalled, updated, still won't open.
Very bad application. Always bugging. Longtime loading without allowing to sign in.
The app is stuck in loading and keeps spinning for biometric login users, for days, and nothing is being done about it. Also by the look of the comments in review BMO clearly thinks it's users' issue rather than app issue.
does not allow you to save PDF , view only.
I don't like being forced to see and close "BMO offers" on the Home tab of the app. The Tax Hub box can't even be closed and sits in the middle of my accounts. Please let me turn them off.
The worst app ever!!!!! Zero stars is not enough! I can't login; customer support took me one hour and didn't fix the issue. I'm going out from this "Bank" ASAP!!!!! Yes, I talked to your technical team 3 times and they couldn't do anything. They said that I must call my branch because my bank account is blocked. And I am out of Canada already 2 weeks. I was calling Bellmont branch Edmonton many times in last hour, no answer. I should leave voice-mail and they will call me in 1 business day?!?!
My app keeps getting stuck on the loading page. I've uninstaller and reinstalled many times. The first log in after installation works but the next time I load the app, it happens again. Please fix this bug.
braindonors at bmo need to get out of business. incapable to maintain their app. login doesn't work for weeks on android. time to start claw back their salaries and start drug tests among "personnel"
This app is clunky and borderline unusable. there's absolutely no reason I should be redirected to a webpage to deposit an e-transfer and have to enter my password again and again to accept in 2026 instead of just being redirected to the mobile app to use biometrics like every other bank I have accounts with. Enter your password incorrectly? Shame - hope you're ready to re-enter your 16 digit card number because the app isn't smart enough to keep it there. Just embarrassing.
Show the interest rate on all accounts. Offer the option to go in dark mode for both the website and mobile app. Also, remove the minimum amount of 100 for making extra payment. I should be able to pay any amount less than $100. Also, educate your call center people to not say there is no IT department. Not able to see cashback on landing page of MasterCard. After being transferred times and being on the phone for over an hour to try to resolve this issue, I was put back to your IVR.
good deposit times, the app is absolutely trash
never used it ,still deciding ,
+ 21 more in the clipboard copy
Sentiment summary
82%
Positive (4-5★)
5%
Neutral (3★)
13%
Negative (1-2★)