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If you do not have access to the BMO mobile app or BMO online banking, you can activate your BMO card by phone. The BMO card activation phone numbers are available 24 hours a day, 7 days a week. Both automated (IVR) and live agent options are available depending on your card type.

▶ BMO Card Activate Here

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BMO Credit Card Activation by Phone

For BMO credit cards, call the dedicated activation line.

BMO Credit Card Activation Number

1-877-225-5266Available 24/7. Automated system available in English and French.
1

Dial the Activation Number

Call 1-877-225-5266 from the phone number associated with your BMO account, if possible.
2

Enter Your Card Number

The IVR (interactive voice response) system will ask for your 16-digit BMO credit card number. Enter it using your keypad.
3

Verify Your Identity

You may be asked for your date of birth and the last digits of your Social Insurance Number (SIN) to confirm your identity.
4

Follow the Prompts

Listen to the instructions and confirm activation. The system will confirm when your card is active.

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BMO Debit Card Activation by Phone

For BMO debit cards and banking cards, use the banking customer service line.

BMO Debit Card Activation Number

1-800-363-9992Available 24/7. Connect to the automated system or a live representative.
1

Dial the Banking Number

Call 1-800-363-9992. If calling from outside Canada, use the international number found on the back of your card or on bmo.com.
2

Select Card Activation

Choose the card activation option from the main menu. If you are not sure, say “activate card” or press 0 for a representative.
3

Provide Your Information

Enter your debit card number and verify your identity with your date of birth and postal code.
4

Confirm Activation

Follow the remaining prompts. The system will confirm once your BMO debit card is active.

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What to Have Ready Before You Call

Credit Cards

  • Your 16-digit BMO credit card
  • Date of birth (on file with BMO)
  • Last digits of your SIN

Debit Cards

  • Your BMO debit card
  • Date of birth
  • Postal code associated with your account
Calling during weekday mornings (8 AM to 11 AM ET) often results in shorter wait times if you need to speak with a live agent. The automated IVR system is available instantly at any hour.
Save the BMO card activation number in your phone contacts. Label it “BMO Activate Card” so you can find it quickly in the future.
BMO will never ask for your full SIN or full password over the phone. If a caller requests this information, hang up and call the official BMO card activation number directly.