Connect Claude or ChatGPT to BMO (2026)

BMO customers often pair a chequing account with a CashBack Mastercard, a Smart Saver account and an InvestorLine account for their registered savings. Era links your BMO accounts to Claude, ChatGPT, Gemini and Meta's Muse, so one question can reach all of them and the answer comes from your real balances and transactions.

Can you connect ChatGPT or Claude to BMO?

Yes. You link your BMO accounts to Era, and Era is the connection that Claude, ChatGPT, Gemini and Muse all share. You sign in to BMO on a secure screen, approve what Era may read, and each assistant you add afterwards answers from the same balances and transactions, with nothing to export from BMO Digital Banking.

How do you connect BMO to Era?

The setup takes about five minutes and happens once, however many assistants you add later. Era never sees your BMO card number or password, because you sign in on the bank's own secure screen and approve read access there. Here are the steps.

1. Create an Era account at era.app.
2. Start a connection from Era Context and choose BMO from the list of institutions.
3. Sign in to BMO in the secure window and approve read access.
4. Add Era to Claude or ChatGPT with the guides for Claude or ChatGPT.

Live connections are part of Era's paid plans. On the free Basic plan you can add BMO accounts by hand, or bring in a statement, and ask the same questions about those figures. If a connection pauses, reconnecting from Era Context takes a minute and your history stays put.

What makes BMO worth asking an AI about?

BMO customers often choose the bank for straightforward cash back and savings products, and those are easy to check against reality once an assistant can see your transactions. A CashBack card is only as good as the categories it rewards, and a savings account is only as good as the rate you receive, so ask about what really happened.

Questions that work well with a BMO connection include:

• "How much cash back did my BMO card earn this year, and what share came from groceries compared with everything else?"
• "How much did my Smart Saver balance grow after deposits, and how much of that was interest?"
• "What do I hold in InvestorLine compared with my emergency fund at the bank?"
• "Which of my regular payments come out of my BMO chequing account on the first of the month?"

How do you use Claude with BMO?

Claude is a good fit for longer planning conversations, such as how to rebuild an emergency fund while paying down a card. With Era Context added to Claude, you describe the goal and Claude reads your BMO balances and payments directly, then works through the options with your own numbers. It remembers your goals, too.

How do you use ChatGPT with BMO?

ChatGPT suits the short questions that come up through the week, like whether you can afford a purchase before payday. After you add Era to ChatGPT, it answers from your BMO transactions, and what you told Claude about your plans is already there, because the memory belongs to Era and not to a single assistant.

How do you use Gemini with BMO?

Gemini reaches your BMO accounts through Era in the same way. If you keep your calendar and email in Google's apps, you can ask Gemini to match the bills leaving your BMO chequing account with the weeks you are travelling, and it answers from your connected data. Changing assistants never means reconnecting BMO.

How do you use Meta's Muse with BMO?

Muse can read your BMO accounts through Era once you approve it. You can ask for a plain-language summary of this month's spending, or what changed since the last statement, and Muse answers from the same data as the other assistants.

How do you use Poke with BMO?

Poke answers by text message, which helps when you are away from a screen and want a figure quickly. With Era connected, you can text a question about your BMO chequing account and see the answer in the same thread.

The guide to texting your money with Poke and Era covers the setup.

What can you do with BMO statements and tax slips?

Era's Document Library reads the statements and slips you upload and files them for you, and the transactions in a statement can be brought into a manual account. An older statement or the T4 and T5 slips that arrive in February can sit beside your live accounts, so every assistant can answer from them.

Is it safe to connect BMO to an AI?

You approve every connection yourself, Era reads your accounts through regulated connections, and Era never stores your BMO login. Era also keeps a record of what each assistant has asked for. This matches the direction of Canada's consumer-driven banking framework, in which you choose who may see your financial data.

The guide on whether it is safe to give AI your financial data has the details, and you can remove any assistant or bank from Era Context whenever you like.

What else can you connect alongside BMO?

Many households keep money at more than one bank, and Era connects RBC, TD, Scotiabank, CIBC, Desjardins, Banque Nationale, Tangerine, EQ Bank and Wealthsimple alongside BMO. Era connects accounts across the US, the UK, Canada, France, Germany, Spain, and 40+ countries in all.

The Canadian open banking guide explains how it fits together, and Era, Monarch, Wealthsimple or KOHO? helps if you are choosing a budgeting app.