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Is BMO Digital Banking Safe?

BMO Digital Banking privacy label · by BMO Bank National Association · checked November 2026

  • Collects financial info
  • Recently updated
App Privacy label Developer-reported · checked November 1, 2026
Used to track you
0types

None declared

Linked to you
5types
Not linked to you
1type
Short answer

Mostly a question of trust: BMO Digital Banking collects data linked to you but declares no tracking. The sensitive items are financial info and contacts. In total the label lists 6 data types; 17% of banking apps we checked declare tracking.

At a glance

BMO Digital Banking privacy in one look

Data exposure on the label
Linked to you
  1. 1
  2. 2
  3. 3
  4. 4

Built only from the developer's App Store label. It describes disclosure, not tested behaviour.

Verdict from the label
Linked to you, no tracking

BMO Digital Banking collects 5 data types tied to your identity but declares no tracking.

Try it

Did BMO Digital Banking ask for something?

Pick the permission prompt you saw. We compare it with what BMO Digital Banking's developer declared.

It asked me for access to…
Tap a prompt to compare it with the label.
Not on the label

Location is not on BMO Digital Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Not on the label

User Content is not on BMO Digital Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

Matches the label

BMO Digital Banking lists Contacts on its label, linked to you. Limited Access shares selected contacts instead of your whole address book.

Not declared on the label

BMO Digital Banking declares no tracking, so a tracking prompt would contradict its label. Decline it, and consider reporting the mismatch to Apple.

Not on the label

Health & Fitness is not on BMO Digital Banking's label. That can be fine: data used only on your iPhone does not have to be declared. If the data would need to leave the phone for the feature to work, ask why it is missing.

A permission is what the app can reach on your iPhone; the label is what the developer says leaves it. They answer different questions.

Line by line

What BMO Digital Banking collects, explained

Data typeWhat it coversWhere to limit it
Financial InfoSensitiveLinked to you Card numbers, bank details, credit scores, salary, income, assets or debts. Pay with Apple Pay where offered so the app never sees your card number, and turn on the app's own login lock.
ContactsSensitiveLinked to you The people in your address book or social graph. Settings › Privacy & Security › Contacts: choose Limited Access to share only selected people, or None.
Contact InfoLinked to you Your name, email address, phone number or postal address. Use Sign in with Apple with Hide My Email where offered, and check the app's account and marketing preferences.
IdentifiersLinked to you An account ID, screen name, customer number or a device-level ID such as the advertising identifier. Settings › Privacy & Security › Tracking: turn off Allow Apps to Request to Track, or tap Ask App Not to Track when prompted.
Usage DataLinked to you What you tap, open and view inside the app, plus which ads you have seen. There is no single iOS switch. Look for an analytics or personalised-ads toggle in the app's own settings.
DiagnosticsNot linked to you Crash logs, launch times, hang rates and energy use. Settings › Privacy & Security › Analytics & Improvements › Share With App Developers controls what Apple passes on; the app's own crash reporting is separate.
Reading the label

What BMO Digital Banking's label means for you

BMO Digital Banking's label has 5 types under “Data Linked to You”, 1 type under “Data Not Linked to You”. A data type can appear in more than one section when it is used for different purposes — for example, identifiers used for both analytics and advertising.

BMO Digital Banking declares no tracking, which means the developer says it does not combine your data with other companies' data for advertising or sell it to data brokers. The data linked to you — financial info, contacts, contact info, identifiers and usage data — is still tied to your identity, typically through an account, and is covered by the developer's privacy policy and retention rules.

The items that deserve the most attention are financial info and contacts. Financial data is high-value to criminals and is often regulated. Expect it in banking and budgeting apps; question it elsewhere.

Banking apps must collect identity and financial data to work; that is expected. Tracking declarations and third-party advertising SDKs are what to compare. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.

Among the 196 banking apps in our snapshot with a label, 17% declare tracking, 91% collect data linked to you and 3% say they collect nothing. BMO Digital Banking lists 6 data types, about the same as the average of 6.6 for this group.

Finance apps need identity and financial data to function. Expect Contact Info and Financial Info; compare apps on tracking and third-party advertising instead.

On your iPhone

Settings to check for BMO Digital Banking

  1. 1

    Tracking

    Settings › Privacy & Security › Tracking. If “Allow Apps to Request to Track” is off, apps cannot ask, and they are told to treat you as having declined. You can also turn it off for this app alone.

  2. 2

    Contacts

    Settings › Privacy & Security › Contacts. Limited Access shares only the people you select instead of your whole address book.

  3. 3

    Sign-in

    When creating an account, Sign in with Apple can give the app a relay address from Hide My Email instead of your real one.

  4. 4

    Lock the app

    On iOS 18 and later, touch and hold the icon and choose Require Face ID. Anyone who picks up your unlocked phone then needs your face, fingerprint or passcode to open it.

  5. 5

    Notifications

    Settings › Notifications › BMO Digital Banking › Show Previews: When Unlocked keeps message and account details off the Lock Screen.

Cross-app tracking

Does BMO Digital Banking track you?

No tracking declared

There is no “Data Used to Track You” section on BMO Digital Banking's label.

Does BMO Digital Banking track you? Full answer and how to stop it →

iOS 18 and later

Lock BMO Digital Banking behind Face ID

  1. Find BMO Digital Banking on your Home Screen or in App Library.
  2. Touch and hold the icon until the quick-actions menu opens.
  3. Tap Require Face ID (or Require Touch ID / Require Passcode, depending on your iPhone).
  4. Tap Require Face ID again to confirm. BMO Digital Banking now asks for authentication every time it opens.

The lock is an iPhone feature, so it works whether or not BMO Digital Banking has a passcode of its own. It does not change what the app sends to its developer.

Lock or hide BMO Digital Banking: step-by-step guide →

From the App Store record

About BMO Digital Banking

DeveloperBMO Bank National Association
App Store categoryFinance
Latest version2715977826.9.86, released October 2026
First releasedJuly 2012
RequiresiOS 16.0 or later
Size89 MB
Age rating4+
Languages1 (EN)
Bundle IDcom.fis.071025661SUB

The current version shipped in October 2026, so the app is actively maintained and its label is likely current. Labels are updated by developers when practices change.

Read with care

What the label cannot tell you

  • A label is self-reported. Apple publishes the developer's answers and can reject apps that misrepresent them, but it does not independently verify what BMO Digital Banking sends.
  • It does not say where data is stored, how long it is kept, whether it is encrypted, or which companies receive it. The privacy policy covers those points.
  • Optional data counts: if a feature lets you add something (a profile photo, a phone number), the type is listed even if you never use the feature.
  • Data handled only on your iPhone is not 'collected', so a no-collection label is compatible with an app that reads your files locally.
  • Third-party sign-in, payment processors and SDKs are supposed to be included, but a label can lag behind a new version.

The question to ask BMO Digital Banking's developer: Is this app published by my bank's verified developer account?

How it compares

BMO Digital Banking vs similar banking apps

Data types listed on each App Store privacy label
Tracks youLinked to youNot linkedCollects nothing

Fewer types is not automatically safer: a cloud backup app has to collect your files to work. Compare like with like.

Checking another app?

Look up any of our apps in seconds, or put two labels side by side.

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Do it now

Your BMO Digital Banking privacy checklist

Tick what you have done
Tick each step as you do it on your iPhone.

Done. You have applied every control the label points to.

Quick quiz

True or false?

  1. Q1BMO Digital Banking's privacy label says it uses data to track you.
    Right.
    Not quite.

    False: there is no Data Used to Track You section on BMO Digital Banking's label.

  2. Q2Apple tests every app to confirm its privacy label is accurate.
    Right.
    Not quite.

    Labels are self-reported by developers. Apple can reject or remove apps that misrepresent practices, but it does not audit each label.

  3. Q3BMO Digital Banking collects Financial Info.
    Right.
    Not quite.

    True: Financial Info appears on its label.

  4. Q4Data “Not Linked to You” is never sent off your iPhone.
    Right.
    Not quite.

    It is collected and sent; the developer says it is de-identified rather than tied to your account or device.

  5. Q5Tapping “Ask App Not to Track” can stop an app from working.
    Right.
    Not quite.

    Apple's rules require apps to work the same whether or not you allow tracking.

Questions people ask

BMO Digital Banking privacy FAQ

Is BMO Digital Banking safe to use?
Based on its App Store privacy label, bMO Digital Banking collects 5 data types tied to your identity but declares no tracking. Whether that is acceptable depends on what you will store in it. The label is developer-reported, not an independent security test.
Does BMO Digital Banking track you?
No. BMO Digital Banking's label has no Data Used to Track You section.
What data does BMO Digital Banking collect?
Financial info, contacts, contact info, identifiers, usage data and diagnostics. Of these, financial info, contacts, contact info, identifiers and usage data are linked to your identity.
Who makes BMO Digital Banking?
BMO Bank National Association, according to the App Store. It was first released in July 2012 and the current version is 2715977826.9.86.
Can I lock BMO Digital Banking with Face ID?
On iOS 18 or later, touch and hold BMO Digital Banking's icon and choose Require Face ID (or Touch ID / Passcode). This is an iPhone feature and works for most downloaded apps, whether or not the app has its own lock.
How does BMO Digital Banking compare with other banking apps?
Across 196 banking apps with labels in our snapshot, 17% declare tracking and 3% say they collect no data. BMO Digital Banking lists 6 data types against an average of 6.6.
Is this app published by my bank's verified developer account?
The privacy label cannot answer that. Look for it in BMO Digital Banking's privacy policy or support pages, linked from the App Store listing. Turn on the app's own biometric login and transaction alerts, and download banking apps only from the bank's own developer account.
How do I delete my data from BMO Digital Banking?
Apps that let you create an account must also let you start account deletion from inside the app (an App Store rule since June 2022). Deleting the app from your iPhone alone does not delete data already sent to the developer.
Facts on this page come from BMO Digital Banking on the App Store, as reported by the developer. Checked 2026-11-01. How we collect data · Report a correction