Bank of Montreal (BMO) BIN & IIN Numbers in Canada

A BIN (Bank Identification Number), also called an IIN (Issuer Identification Number), is the first 6 to 8 digits of a payment card number. It identifies the card network (such as Visa or Mastercard), the issuing bank (such as BMO), and the card program (credit, debit, or prepaid). Modern cards use 8-digit BINs under ISO 7812.

Bank of Montreal (BMO) has 407 BIN ranges on file in Canada, spanning consumer, business, and corporate cards across Visa, Mastercard, Interac, and Maestro networks.

BMO issues credit cards, debit cards, and prepaid cards in Canada. Credit cards operate on the Visa and Mastercard networks. Debit cards use the Visa Debit and Interac networks. Prepaid cards are available on both Visa and Mastercard. Each card type has its own set of BIN ranges.

A BMO BIN is the first 6 to 8 digits of any BMO-issued card. Enter those digits into BINSearchLookup's free tool on the home page to instantly verify the card network, type (credit/debit/prepaid), and whether the BIN range is currently active. Merchants and payment processors use BINs for fraud screening, routing, and compliance checks.

BMO is one of Canada's Big Six banks and holds a large number of active BIN ranges. Royal Bank of Canada (RBC), TD Bank, Scotiabank, and CIBC each also hold hundreds of BIN ranges in Canada. The exact count varies as banks add or retire card programs.

Category (for example Standard, Gold, Infinite, or Business) is visible to all free BINSearchLookup accounts. It is hidden on this preview so anyone can browse the BIN list freely, while the full card-program details remain protected against bulk scraping.

BIN assignments change as issuers add or retire card programs. BINSearchLookup refreshes its dataset on a rolling basis from card network range registries and issuer disclosures. The last-verified date at the top of this page shows when this specific page was last checked. Our methodology page explains the full process.

No. A BIN identifies the issuer and card program, not an individual account. To check a live card number in real time — for example to confirm it is valid and not on a blocklist — use the free lookup tool or API on our home page. This page lists BIN ranges only, not individual card status.

Interac is Canada's domestic debit and payment network, operated by Interac Corp. Many Canadian debit cards are co-badged: they carry both a Visa Debit or Mastercard Debit logo for international use and an Interac logo for domestic transactions. This is why many BMO BIN ranges list two brands, such as Visa / Interac or Mastercard / Interac / Maestro.