How to use your BMO chip debit card
Making a purchase with a chip debit card and Personal Identification Number (PIN) is easy and secure.
At a chip terminal, you simply:
- Insert your debit 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.
BMO chip debit cards will continue to have a magnetic stripe on the back of the card. This means you will still be able to use your chip debit card at merchants who don’t have chip terminals – by swiping your card and using your PIN.
Using your chip debit 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 debit card?
Over the next few years, more chip terminals will begin to appear at 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.
