How to Call BMO from Abroad (Without SIM or Roaming)
If you’re overseas and need to reach Bank of Montreal, whether it’s for a blocked card, suspicious transaction, or account query, using your local phone plan can result in expensive charges. Canadian toll-free numbers often don’t work from abroad, and many VoIP apps are unreliable for banking calls that require secure authentication.
This guide provides the easiest method to call BMO from anywhere in the world without paying roaming fees or installing apps. You’ll get step-by-step instructions and all the BMO numbers you need.
How to Call BMO from Abroad
- Go to Callshake.com.
- Create an account and add pay-as-you-go credit.
- When prompted, dial the BMO number you need (see the list below).
Why use Callshake?
- No roaming charges from your carrier: You only pay Callshake rate for the call.
- No active roaming or eSIM required: Call BMO from overseas, no matter where you are.
- No Canadian number needed: Call using Callshake’s public number or verify your number to show your Caller ID.
- Pay only for what you use: No subscription, no hidden fees.
BMO Customer Service Numbers
Here are the main BMO phone numbers for customers calling from abroad. Verified as of January 2025:
| Department | Phone Number | Hours (ET) |
|---|---|---|
| International Customer Service | +1 416 867 5050 | 24/7 |
| Credit Cards (International) | +1 514 877 8027 | 24/7 |
| Debit Card Lost/Stolen | +1 416 867 5050 | 24/7 |
| BMO InvestorLine | +1 416 967 7777 | Mon-Fri 8am-8pm ET |
Important Note: Bank of Montreal has dedicated international support lines for customers calling from abroad, with 24/7 availability for banking and credit card services.
- These numbers connect you directly to BMO customer service teams.
- If your country blocks Canadian numbers, use Callshake’s local access number to connect.
Why Calling Bank of Montreal from Abroad Often Fails
Most Canadian toll-free numbers, like 1-800 numbers, won’t work from outside Canada. Even when using BMO’s international number, you might still face:
- High roaming charges (CAD $2–$5 per minute)
- Dropped calls or poor connections
- Authentication issues with automated systems
| Method | Why It Fails |
|---|---|
| Hotel Phone | Expensive, limited control |
| Local SIM Direct Dial | Blocked or high cost |
| BMO Mobile App | Limited phone call functionality |
| Skype/WhatsApp | Often blocked by BMO security systems |
Tips for Calling BMO
- Have your account details ready: account number, card number, and date of birth
- Know your issue: write down what you need help with before calling
- Check Eastern Time: BMO operates on ET for customer service hours
- Keep records: note down any reference numbers or agent names for follow-up
- Use your registered phone number if possible for faster verification
- BMO offers bilingual service in English and French
Alternative Contact Methods
If calling isn’t working, try these options:
- BMO Mobile App: Secure messaging for many queries
- BMO Online Banking: Message center through online banking
- Social Media: @BMO on X/Twitter
- Live Chat: Available through BMO website during business hours
Common BMO Queries from Abroad
- Card Blocked: Often happens automatically when used abroad without travel notification
- ATM Issues: Problems withdrawing cash at international ATMs
- Online Banking Access: Login issues when accessing from foreign IP addresses
- Transaction Queries: Checking suspicious or unfamiliar charges
- Travel Notifications: Informing BMO of your travel plans to avoid card blocks
- Foreign Exchange: Questions about BMO’s foreign exchange rates and fees
- Wire Transfers: International wire transfer support
