Need Help?
Have a question or need support? We’ve got you covered.
Hours: Monday–Friday: 8 a.m.–8 p.m. ET
Phone:
Canada (Toll-free): 1-855-825-9235
U.S. (Toll-free): 1-855-825-9236
International (Call Collect): 1-514-881-3808
Email: corporate.clientservices@bmo.com
Lost or Stolen Card
If your card is lost, stolen, or a replacement hasn’t arrived within 10 business days, notify your Card Program Administrator and contact BMO Corporate Card Services.
Keep Your Contact Information Up to Date
Accurate contact information ensures you don’t miss important updates about your account.
Outdated details can lead to:
Missed communications and security alerts
Delays accessing support due to verification issues
Higher security risks
Service interruptions from failed notifications
Compliance challenges for inaccurate business information
Review and update your contact information regularly using one of the following options:
If you use Spend Dynamics, you can update your contact information under your Profile settings.
If you use OLBB, you can review your contact information in the Administration tab.
When contacting BMO, request verification of the contact information on your Corporate Card Administrator List and update any outdated details.
Advise your cardholder to always make sure their contact information is kept up to date.
Understanding Your Corporate Card Billing
Experiencing a declined transaction or nearing your credit limit? Here’s what to know. For a transaction to go through, both the individual card limit and the corporate limit must have sufficient available funds. If either limit is reached, the transaction will be declined.
If an individual cardholder needs additional available credit:
Make a payment directly to the individual card account—this frees up available credit but does not change the card’s limit.
Increase the card’s credit limit if there is room under the Corporate Limit—this raises the card’s credit limit.
Cardholders can view their own transactions, but the Corporate Account statement shows the total amount due across all cardholders. Even if individual limits refresh, they still count toward the total corporate limit. When the Corporate Limit is reached, a payment must be made before further transactions can be processed.
Additional Support for Card Program Administrators
Contact us for assistance with:
Rewards program inquiries
Adding or removing cardholders
Setting up recurring payments
Support with Spend Dynamics or Corporate Card Hub
Canada: 1-855-825-9235
U.S.: 1-855-825-9236
Insurance Included with Your Commercial Card Program
Your card includes built‑in protection—make sure you’re using it
Your BMO Commercial Card includes insurance coverage designed to help protect your business and employees when making eligible purchases or travelling out of province for work.
Understanding these benefits—and when they apply—can help reduce risk, avoid unnecessary costs, and support more informed purchasing decisions.
Why your card insurance matters
The value of your Commercial Card’s insurance benefits should not be overlooked. These protections are built directly into your program and are designed to support your business when it matters most.
It is important for both program administrators and cardholders to understand what coverage is available and how to use it effectively.
All BMO Commercial Cards come with Purchase Protection and Extended Warranty coverage.
Using your Commercial Card—not personal cards—for business purchases helps ensure your organization can benefit from these protections.
Important: Purchases made using other payment methods are not eligible for purchase protection or extended warranty coverage under your Commercial Card—even when purchased for business purposes.
Purchase protection and extended warranty coverage
When eligible purchases are made with your Commercial Card, you may benefit from:
Purchase protection1 for covered items in the event of theft or damage, for up to 90 days from the purchase date
Extended warranty coverage1, which extends the original manufacturer’s warranty by up to one additional year
Automatic coverage when the full purchase price is charged to your Commercial Card
No registration required if the original Manufacturer’s warranty is less than 5 years.
These protections can help reduce unexpected replacement or repair costs for eligible business purchases.
Travel insurance benefits
(BMO Commercial Card BMO Rewards and BMO Commercial Card Blue Rewards only)
If you have a BMO Rewards or Blue Rewards Commercial Mastercard, your card also includes travel insurance coverage designed to support employees while travelling out of province for business, offering the following benefits:
Car rental insurance
Flight delay coverage
Lost or stolen baggage coverage
Baggage delay coverage
Hotel / motel burglary, and assistance services
These benefits can help you avoid purchasing duplicate coverage and provide support when travel disruptions occur.
Make the most of your coverage
To help ensure your business fully benefits from your card’s insurance coverage:
Use your Commercial Card for all eligible business purchases
Avoid use of personal cards for business purchases. Personal card insurance does not cover business purchases.
Review coverage details to understand eligibility, limits, and exclusions
Share this information with employees who are authorized to use the card
Need help?
For additional support or questions about your coverage, contact your Commercial Card representative or contact Allianz Global Assistance at 1 877 704-0341 or visit www.allianz-assistance.ca.
Insurance benefits underwritten by CUMIS General Insurance Company, 1-800-263-9120, www.cumis.com. Direct inquiries to Allianz Global Assistance.
1Insurance benefits are subject to specific terms and conditions, including limitations, exclusions and other important information contained in the Certificate of Insurance that is sent to new cardholders. Insurance coverages are provided by CUMIS General Insurance Company and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and/or its subsidiaries doing business as Allianz Global Assistance. For questions contact Allianz Global Assistance Canada at 1-877-704-0341 or visit www.allianz-assistance.ca.
CUMIS General Insurance Company
P.O. Box 5065,
151 North Service Road
Burlington, Ontario L7R 4C2
Canada
1-800-263-9120