BMO Bank of Montreal Fraud: How to Report It and Stop the Money
If money left your BMO Bank of Montreal account without your permission, or you paid a scammer, contact BMO Bank of Montreal straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call BMO Bank of Montreal’s official line below, or use help inside the official BMO Bank of Montreal app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. BMO Bank of Montreal will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Canada, and keep screenshots of every message and payment.
Official BMO Bank of Montreal fraud contacts
BMO Bank of Montreal
Bank- Report fraud:1-877-225-5266
Report phishing: [email protected]
Know this about Canada
- The debit card code covers transactions you did not authorise. If you sent the money yourself, for example an Interac e-Transfer to a scammer, a refund is at your bank's discretion.
If BMO Bank of Montreal won’t help
Canadian Anti-Fraud Centre (CAFC)
National centre for reporting fraud and cybercrime; reports help police investigations, but it does not recover money.
Report online at reportcyberandfraud.canada.ca (you can stay anonymous) or call 1-888-495-8501, Mon–Fri 10am–4:45pm Eastern. Also report to your local police.
Official websiteComplaint to your bank
Formal complaint when your bank refuses a refund or mishandles your fraud claim.
Complain to the bank first, in person, by phone or online. It must give you a detailed written response within 56 calendar days.
Official websiteOBSI (Ombudsman for Banking Services and Investments)
Free, independent body that handles banking complaints your bank has not resolved.
Go to OBSI after 56 days or after the bank's final written response. Toll-free 1-888-451-4519, Toronto area (416) 287-2877, TTY 1-844-358-3442. Its recommendations are not binding on the bank.
Official websiteYour rights as a BMO Bank of Montreal customer in Canada
- Canadian Code of Practice for Consumer Debit Card Services. You are not liable for unauthorised debit card losses beyond your control, but you can share the loss if you voluntarily disclosed your PIN or reported late. Your bank must respond to a report of an unauthorised transaction within 10 business days. Source
- Bank complaint timeline. Your bank must give a detailed written response within 56 calendar days. After that, you can take the complaint to OBSI. Source
Report it to the police too
Cybercrime agencies in Canada lists who to report to, and our step-by-step guide covers the rest: How to Report Fraud in Canada (and Get Your Money Back).
Common questions about BMO Bank of Montreal fraud
- What is the BMO Bank of Montreal fraud helpline number?
- BMO Bank of Montreal lists these numbers on its own website: Report fraud: 1-877-225-5266. Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to BMO Bank of Montreal?
- Call BMO Bank of Montreal's official line. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if BMO Bank of Montreal will not help or refund me?
- In Canada you can complain to Canadian Anti-Fraud Centre (CAFC), Complaint to your bank, OBSI (Ombudsman for Banking Services and Investments). Details of what each one handles are on this page.
Other providers in Canada
Royal Bank of CanadaTD Canada TrustScotiabankCIBCInterac e-Transfer
These contacts were read on BMO Bank of Montreal’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not BMO Bank of Montreal and cannot recover money. All Canada providers are in Bank Fraud Help: Canada.