How to use your BMO chip credit card
Making a purchase with a chip credit card and Personal Identification Number (PIN) is easy and secure.
At a chip terminal, you simply:
- Insert your credit card into the chip terminal.
- Enter your PIN, leave your card inserted in the terminal and follow the prompts.
- When your transaction is completed, remove your card from the chip terminal and take your receipt. With chip technology, you don’t have to sign a receipt when you make a purchase.
BMO chip credit cards will continue to have the magnetic stripe on the back of the card. This means you will still be able to use your chip card at merchants who don’t have chip terminals – by swiping your card and signing the receipt.
You can also continue to pay for purchases quickly with MasterCard PayPass as you do today.
Using your chip credit card at Automated Banking Machines (ABMs) will not change. You’ll still need your PIN to complete your transaction.
Where can you use your BMO chip credit card?
Over the next few years, chip terminals will begin to appear at more merchant locations and ABMs across Canada.
For the convenience and security of BMO customers, all BMO Bank of Montreal ABMs are already chip-enabled.
To help you identify where you can make chip card transactions, look for the “chip card accepted” symbol.
