BMO

Does BMO have Zelle? Yes: in BMO Digital Banking, select Pay & Transfer, then Send money with Zelle; a BMO checking account is required. Zelle payments are generally limited to $750 per day and $5,000 per rolling 30 days. BMO Bank N.A. charges $30 for a domestic outgoing wire and $50 for an international one; incoming wires are free.

At a glance

• ZelleYes, in BMO Digital Banking with a BMO checking account
• Zelle limits$750 per day, $5,000 per rolling 30 days
• Domestic wire out$30
• Incoming wireFree
• International wire out$50
• Wire cutoff6:00 PM ET domestic, 5:00 PM ET international (branch or phone)

Sources: Deposit Account Disclosure and Bank Fee Schedule · Account Transfer Limits · Wire Transfer Services Agreement · Checked on September 27, 2026

Zelle at BMO

Log in to BMO Digital Banking, select Pay & Transfer, then Send money with Zelle. You need a BMO checking account to enroll. BMO’s Account Transfer Limits set Zelle payments that typically arrive within minutes at $750 per day and $5,000 per rolling 30 days. Standard delivery, in 1 to 3 business days, allows $1,000 per day, $5,000 per rolling 30 days and $2,000 pending in total. You can send at most 10 payments a day and 30 per 30 days, with a $5 minimum. Limits may be higher for some accounts.

Sources: BMO Zelle page (undated) · Account Transfer Limits (undated) · Checked on September 27, 2026

Wire transfers at BMO

Wires placed in a branch or by phone through the BMO Wire Room must reach it by 6:00 PM ET (5:00 PM Central) on a business day for domestic wires, and by 5:00 PM ET (4:00 PM Central) for international wires from personal accounts. The Wire Transfer Services Agreement covers branch and phone wires. The fee schedule lists one free incoming wire line without separating domestic and international wires. If BMO returns an incoming wire of $100 or more that it cannot process, it deducts a $35 wire return fee. BMO Canada Wire sends up to USD $50,000 per transaction from a BMO U.S. account to your own BMO Canada U.S.-dollar account for no fee, Monday to Friday 8:30 AM to 4:00 PM ET. An older BMO Harris Select Checking disclosure shows the earlier $25 domestic and $45 international fees.

Source: Deposit Account Disclosure and Bank Fee Schedule, effective August 10, 2026 · Wire Transfer Services Agreement (undated) · BMO cross-border banking (undated) · Checked on September 27, 2026

External transfers (ACH)

Standard external transfers in BMO Digital Banking are limited to $2,000 per transaction, $2,000 per day, $4,000 pending and $7,500 per rolling 30 days, in each direction.

Source: Account Transfer Limits (undated) · Checked on September 27, 2026

If a transfer is late or went wrong

A pending Zelle payment is covered in Zelle payment pending; to stop one, see cancel a Zelle payment, and if you were tricked, Zelle scam refund. For wires, see wire transfer not received and how long do wire transfers take; for bank-to-bank transfers, ACH transfer pending. Contact BMO through the number on your card or in the app.

Fees and limits can differ by account type; your account agreement is the final word.