How to Download Your BMO Bank Statement PDF
BMO (Bank of Montreal) is one of Canada's Big Five banks, with over 12 million customers across Canada and the United States. In 2023, BMO completed the acquisition of Bank of the West and rebranded its US subsidiary from BMO Harris Bank to BMO, unifying the brand across North America. Whether you bank with BMO in Canada or the US, here is how to download your statement:
From BMO Canada Online Banking
- Log in to BMO Online Banking at bmo.com (use the Canadian login)
- Click on your account from the Accounts summary
- Select Statements from the account menu
- Choose the statement period from the dropdown
- Click Download PDF — BMO Canada keeps 7 years of statements online
From BMO US Online Banking (Formerly BMO Harris)
- Log in at bmo.com (use the US login)
- Select your account from the account dashboard
- Navigate to Statements & Documents
- Choose the statement period you need
- Click Download PDF
From the BMO Mobile App
- Open the BMO Mobile Banking app and log in
- Tap on your account from the home screen
- Tap Statements or Documents
- Select the month you need and tap Download
BMO Harris to BMO rebrand (2023): BMO Harris Bank completed its rebrand to BMO in August 2023. If you have BMO Harris statement PDFs saved from before the rebrand, they are fully supported by our converter. The statement format remained consistent through the transition — your historical BMO Harris PDFs will convert just as cleanly as current BMO US statements.
Convert BMO PDF to Excel or CSV — 4 Steps
1
Download PDF
bmo.com → your account → Statements → choose period → Download PDF
2
Upload Here
Drop the PDF above — BMO Canada or BMO US statements both work
3
Balance Verified
Every transaction verified against the statement opening and closing balance
4
Download
Excel for analysis · CSV for QuickBooks, Xero, or Quicken import
BMO Account Types — All Supported
Output Columns — BMO Excel & CSV
Import BMO Transactions into Financial Software
QuickBooks Online (Canada & US)
Convert your BMO statement PDF to CSV. In QuickBooks Online: Transactions → Bank transactions → Upload from file → upload the CSV → map Date, Description, and Amount → select your BMO account → Import. BMO Canada and BMO US both support direct QuickBooks bank feed connections for automatic transaction syncing. Use the CSV import when you need historical periods beyond the bank feed's range.
Xero
Convert the BMO statement PDF to CSV using our tool. In Xero: Accounting → Bank accounts → select your BMO account → Import a statement → upload the CSV → map the date, description, and amount columns → import. Works for both BMO Canada (CAD) and BMO US (USD) accounts.
🇨🇦 Canada Use Cases — BMO Bank Statement Conversion
BMO is one of Canada's Big Five banks, with branches across every province. The following are the most common reasons Canadian BMO customers convert their statement PDFs:
- CRA Tax Filing (T1 and T2): The Canada Revenue Agency may request bank statement documentation during a tax audit or as part of supporting documentation for business deductions. Convert your BMO chequing or savings statement to Excel to produce a clean transaction list organised by date, which makes identifying income deposits and deductible expenses significantly faster for your accountant.
- RRSP and TFSA Contribution Tracking: BMO customers frequently use their chequing account to make RRSP and TFSA contributions via e-Transfer or bill payment. Converting the BMO statement to Excel lets you easily filter the description column for RRSP or TFSA transfers to verify total annual contributions against CRA limits without navigating multiple account screens.
- Mortgage Applications with Canadian Lenders: Canadian mortgage lenders require 90 days (3 months) of bank statements to verify the source of down payment funds and demonstrate income stability. Download your BMO statement PDFs from bmo.com and submit the originals to your lender. Use our Excel conversion to prepare your own asset summary.
- GST/HST Business Filing: Canadian businesses registered for GST/HST need to reconcile revenue and eligible input tax credits (ITCs) quarterly. Converting BMO business chequing statements to Excel enables fast categorisation of taxable sales deposits and GST-bearing business purchases for Form GST34 preparation.
- Cross-Border USD/CAD Reconciliation: BMO offers both CAD and USD accounts to Canadian customers through the BMO USD chequing product. Businesses that receive US dollar payments can convert both their CAD and USD BMO statements to Excel and reconcile cross-border transactions — particularly useful for tracking FX conversion entries and bank exchange rate charges.
CRA Tax Filing
RRSP/TFSA Tracking
Mortgage Application
GST/HST Filing
USD/CAD Reconciliation
🇺🇸 US Use Cases — BMO (formerly BMO Harris)
BMO US operates in Illinois, Wisconsin, Indiana, Missouri, Kansas, Arizona, California, and other states following the Bank of the West acquisition. Common use cases for BMO US customers:
- Midwest Small Business Accounting: BMO US (formerly BMO Harris) has a strong presence in Illinois and Wisconsin, where it serves a large number of small businesses. Converting BMO US business checking statements to CSV enables clean QuickBooks import for monthly bookkeeping without manual data entry.
- Illinois and Wisconsin SBA Loan Applications: BMO US is an active SBA 7(a) lender in the Chicago metro area and across the upper Midwest. SBA loan applicants need up to 3 years of business bank statements for the application package. Convert multiple years of BMO US business statements to Excel to prepare the required cash flow analysis.
- QuickBooks Import for Former Bank of the West Customers: Customers who migrated from Bank of the West to BMO in 2023 may have statements in both the old Bank of the West format and the new BMO format. Our converter handles both formats and produces consistent Excel output regardless of which version of the statement you upload.
- Mortgage Documentation for US Customers: US mortgage lenders require 2–3 months of bank statements. Download your BMO US statement PDFs and submit the originals to your lender. Convert to Excel to prepare your income and expense summary for the mortgage application.
QuickBooks Import
SBA Loan Illinois
Mortgage Documentation
Bank of the West Migration
Frequently Asked Questions
How do I download my BMO Canada bank statement as a PDF?
Log in to BMO Online Banking at bmo.com, click on your account from the Accounts summary, select Statements, choose the statement period, and click Download PDF. BMO Canada keeps up to 7 years of statements available online. You can also access statements through the BMO Mobile Banking app under Documents.
How do I download my BMO US (formerly BMO Harris) bank statement?
Log in at bmo.com using the US login portal, select your account, navigate to Statements & Documents, choose the statement period, and click Download PDF. BMO US accounts were previously managed under the BMO Harris Bank brand, which rebranded to BMO in August 2023. The download process is the same for current BMO US accounts.
How do I convert a BMO bank statement PDF to Excel?
Upload your BMO or BMO Harris statement PDF using the converter above. The tool reads the PDF and produces a clean Excel file with one row per transaction — date, description, signed amount, and running balance. Works for both BMO Canada (CAD) and BMO US (USD) statement formats. No signup required and conversion takes seconds.
What is the difference between BMO Canada and BMO US (formerly BMO Harris)?
BMO (Bank of Montreal) is headquartered in Toronto and is one of Canada's Big Five banks. BMO Harris Bank was the US banking subsidiary. In 2023, BMO acquired Bank of the West and rebranded all US operations under the BMO name, retiring the BMO Harris brand. Both now operate as BMO but maintain separate banking systems — Canadian accounts use CAD and US accounts use USD.
Can I convert old BMO Harris bank statement PDFs?
Yes. BMO Harris rebranded to BMO in August 2023, but the underlying statement format is compatible. BMO Harris PDFs saved locally before the rebrand convert correctly. If you have both BMO Harris and newer BMO US statements, both formats produce the same clean Excel output with our converter.
Are BMO bank statement PDFs password protected?
BMO Canada and BMO US statement PDFs downloaded from the banking portal are not password-protected by default. You can upload them directly. Our converter also handles password-protected PDFs if you receive a protected version from a mortgage broker, accountant, or other third party.
How do I convert a BMO statement for CRA tax filing?
Download your BMO Canada statement PDFs from bmo.com. Upload each to our converter and download as Excel or CSV. Use the Excel output to sort and categorise transactions for your T1 personal return or T2 corporate return. The running balance column helps verify account positions at year-end for any CRA audit review.
How do I import BMO transactions into QuickBooks?
Convert the BMO statement PDF to CSV here. In QuickBooks Online: Transactions → Bank transactions → Upload from file → upload the CSV → map Date, Description, and Amount → select your BMO account → Import. BMO Canada and BMO US both support direct QuickBooks bank feed connections for automatic ongoing syncing.
How many years of BMO statements are available online?
BMO Canada and BMO US both provide approximately 7 years of statements online through the bmo.com portal. For statements older than 7 years or from closed accounts, contact BMO customer service — Canada: 1-877-225-5266, US: 1-888-340-2265. Historical statements may be requested for a fee.
Can I convert BMO business account statement PDFs?
Yes. BMO Business Chequing (Canada) and BMO US business account statements are fully supported. Download the statement PDF from BMO Online Business Banking and upload it here. ACH transfers, wire payments, payroll credits, and merchant deposits all extract correctly with the right dates and amounts.
Does BMO support USD accounts for Canadian customers?
Yes. BMO Canada offers USD chequing accounts for Canadian customers who receive US dollar payments or frequently transact in USD. The USD account statement shows transactions in US dollars. Our converter handles BMO USD account statements correctly and outputs the amounts in USD as shown on the original statement — no currency conversion is applied.
Is the BMO bank statement PDF converter free?
Yes — completely free with no signup required. Anonymous users get up to 10 pages per session. Register free (no credit card required) to remove page limits and save your conversion history across all your BMO statements.
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