Open a Bank Account Online

Step 1
5 Steps & 10 Minutes

Our easy and secure 5-step online application will take you approximately 10 minutes to complete. You can apply for individual or joint accounts and open multiple accounts all in one application.

To submit an online application you must be a Canadian citizen.

If you are under 19 years of age, or applying for a joint account, you can submit your application online. You must then visit a BMO branch to finalize the set-up and activation of your new account(s). You will be required to show valid identification at that time.

You will need to provide the following details:

  • Canadian home address
  • Social Insurance Number (SIN) for each applicant (if applying for a Savings account)
  • An e-mail address

After submitting your application you will receive an e-mail confirmation detailing what you need to do in order to activate and begin using your new account(s).

In order to activate your new account(s), you may be required to visit a branch. For customers who are asked to complete the account opening process in a branch, you will be able to do so on the next business day.

Please answer the following questions so we can customize your application

Co-applicant question

Would you like to add a co-applicant to this account(s)?

Alert Joint account applications (by adding a co-applicant) allow two people to set up an account together.

Simply complete the online application and visit a BMO branch with two pieces of personal identification each to activate the account.
BMO customer sign-in

Are you an existing BMO banking customer with access to Online Banking?

As an existing BMO banking customer, we want to make it easy for you to open up additional bank account(s). Simply sign into BMO Online Banking and open additional accounts faster.

Are you a Canadian Resident?

Alert We are only able to accept online applications if you are a Canadian resident. If you are a non-Canadian resident, you will need to visit a BMO branch with two pieces of personal identification to apply for an account.
Age of majority

Are you 19 years of age or older?

Alert Simply complete the online application and visit a BMO branch with two pieces of personal identification to activate your account.

For those applicants that are under 12 years of age, please ensure you are accompanied by a parent or legal guardian when you visit the branch.

Please select the type of account(s) you would like to open.

Canadian Products
Primary Chequing Account
Ideal for your daily needs so you can manage deposits, withdrawals, payments and transfers without a second thought
The Primary Chequing Account is the perfect Bank Account for all your daily needs. Take care of deposits, withdrawals, bill payments, transfers and account inquiries easily and without hassles.
Premium Rate Savings Account
Earn interest on every dollar every day and access your money anytime
Watch your money grow with a competitive interest rate. The Premium Rate Savings Account is the perfect place to park your cash for the short term. With the flexibility to access your cash, and make deposits, transfers and withdrawals, it?s always right at your fingertips.
Smart Saver Account
Earn a high interest rate for funds needed less often, regardless of your balance.
Earn more money on your savings. The Smart Saver Account is perfect for building up your rainy day fund. Earn a high interest rate on every dollar you save regardless of your balance.
Savings Builder Account
Designed for active savers, this new account rewards you with a bonus interest rate when you increase your balance by $200 or more each month.
The Savings Builder Account is perfect for helping you get into a habit of saving regularly. In months that you increase your balance by $200 or more, you receive a great bonus interest rate.
US Products
USD Primary Chequing Account
Ideal for your daily U.S. dollar banking needs without having to pay the foreign exchange rate fees
Manage all your day-to-day banking needs in U.S. dollars and get the freedom to travel or do business in the United States without the hassle of paying foreign exchange rates.
USD Premium Rate Savings Account
Earn interest on your U.S. dollar savings every day
The U.S. Dollar Premium Rate Savings Account is a great way to save your U.S. dollars for the short term. Offering flexibility to save and access your cash, this account makes it easy to access your money when you need it.

BMO Step1 Need Help?
Click to Call
Phone 1 877 266 4442

You will need the following information to complete the application

  • A Canadian residential address
  • An email address
  • A Social Insurance Number for each applicant if applying for a Savings account
Did You Know?

You can apply for up to five accounts in one easy application. Applications can be individual or joint.


Protecting your privacy and information is fundamental to our business. Learn More