★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
BMO InvestorLine Review, Pricing, and Features
BMO InvestorLine
BMO InvestorLine combines web and mobile self-directed trading with research, broad Canadian account support and linked BMO funding. Standard stock and ETF trades cost $9.95, active traders can qualify for $3.95, and more than 100 selected ETFs can meet $0-commission conditions. FX and low-balance account fees remain relevant.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026Online Canadian and U.S. stocks and ETFs
Online Canadian and U.S. options
Foreign-exchange conversion revenue
Low-balance account fees
This profile covers BMO InvestorLine Self-Directed. adviceDirect is a separate online-trading service with advisor support and portfolio recommendations. BMO SmartFolio is a separate managed portfolio service; its minimums, management fees, funding and portfolio construction do not apply here. Ordinary brokerage cash currently pays 0% at the standard tier. BMO InvestorLine HISAs, GICs and money-market holdings are separate investments, not the default cash balance. Canadian Depositary Receipts may represent fractional interests in foreign shares but are independently traded securities, not direct fractional orders in the underlying stock. See the BMO InvestorLine fee schedule for your country.
Key features
- Canadian and U.S. stocks and ETFs with standard and active pricing.
- More than 100 selected ETFs eligible for conditional $0 commissions.
- Options, mutual funds, bonds, GICs, CDRs and IPO access.
- CAD and USD non-registered and major Canadian registered accounts.
- BMO bank transfers, external bill payments and account transfers.
- Canadian tax documents based on account type and activity.
Broker details
Account and availability
Available in 1 country
Account
Individual and joint cash or margin accounts, TFSA, FHSA, RRSP, RESP and RRIF, LIRA, LIF and other eligible locked-in plans, Corporate, trust, estate and other eligible non-personal accounts · CAD, USD base currency · $0 general opening minimum
Cash and trading
Interest on uninvested cash
0%
Deposits
No standard linked-bank or bill-payment deposit fee stated
Linked BMO bank transfer, bill payment from another Canadian bank, internal contribution, or cash and securities transfer from another investment account · Non-BMO bill payments generally take 3–5 business days; account transfers generally take 2–6 weeks
Withdrawals
Method, transfer and deregistration fees can apply
Linked BMO bank cash transfer, internal transfer, registered withdrawal or investment-account transfer · Varies by settlement, account type and transfer route
Fractional shares
Not confirmed
Not established by the reviewed official sources
Tax support · Canada
Country tax report provided
Regulation and protection
BMO InvestorLine Inc.
Canadian Investment Regulatory Organization (CIRO)
Canadian Investor Protection Fund (CIPF) · Up to C$1,000,000 by CIPF account category
Covers missing eligible client property after member insolvency within CIPF limits, not market loss or investment performance.
Source-checked · Reviewed Jul 17, 2026 · Official sources: BMO InvestorLine Self-Directed website user agreement, BMO direct investing solutions, BMO InvestorLine Self-Directed forms, BMO InvestorLine Self-Directed FAQs, BMO InvestorLine Self-Directed pricing and fees, About CIPF coverage, BMO InvestorLine interest rates
FAQ
Is BMO InvestorLine free?
BMO InvestorLine should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is BMO InvestorLine best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does BMO InvestorLine support?
You can use BMO InvestorLine on Web and Mobile.
Which markets does BMO InvestorLine cover?
BMO InvestorLine covers North America. Examples include CA. It tracks Stocks, ETFs, Options, Mutual Funds, and Bonds. Identifiers include Ticker and CUSIP.
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