VOL. XCIV, NO. 247
BMO InvestorLine Review, Pricing, and Features
By Jera Value · Verified Sep 2026
BMO InvestorLine is a Canadian brokerage for investors who want to trade alongside their BMO banking. Use web or mobile access to buy Canadian and US securities, review research, and manage registered accounts. Selected ETFs have conditional commission-free trading; standard stock orders and other services still carry costs. Compare commissions, foreign-exchange charges, and low-balance account fees against how you expect to invest.
Verdict
Worth it if you want Canadian investing alongside BMO banking.
- BMO banking: fund a brokerage through linked accounts
- ETF investing: check the eligible commission-free fund list
- Registered saving: use Canadian tax-advantaged accounts
Skip it if you cannot use a Canadian account or need free standard stock trades.
- Eligibility: reviewed opening route requires Canadian residence
- Trading costs: standard online orders cost $9.95
- Account fees: low balances can trigger registered or non-registered fees
BMO InvestorLine
Web / Mobile · How this site is funded
Pricing
Key fees from the official fee schedule
Source-checked · Aug 23, 2026Online Canadian and U.S. stocks and ETFs
Online Canadian and U.S. options
Mutual-fund purchases, sales and switches
Gold and silver deposit programs or certificates
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. Cash in a non-registered AccountLink service is normally held in a Bank of Montreal bank account and may qualify for CDIC deposit insurance within its limits. Self-directed registered plans do not use AccountLink. See the BMO InvestorLine fee schedule for your country.
Key features
Canadian and US trading
Buy stocks and ETFs through web and mobile accounts.
Selected commission-free ETFs
Trade eligible funds from the published ETF list under its conditions.
Investment choice
Access options, funds, bonds, GICs, and other supported securities.
Bank-linked funding
Fund accounts through BMO transfers, external bill payments, or account transfers.
Registered accounts
Use eligible Canadian registered accounts alongside CAD and USD accounts.
Tax documents
Access forms generated from your account 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 to 5 business days; account transfers generally take 2 to 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 Aug 23, 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, Bonds, and Commodities. Identifiers include Ticker and CUSIP.
Tool details
Highlights
- Domain rating83: Ahrefs scores how strong a site's backlinks are, from 0 to 100. A high score usually means an established site that many others cite and trust.
Domain Rating by Ahrefs
Asset types
- Stocks
- ETFs
- Options
- Mutual Funds
- Bonds
- Commodities
Coverage regions
Alternatives
If BMO InvestorLine is not the right fit, these substitutes come closest.
Comparisons
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.