welcome and transfer
Receive up to 1% cash back, capped at $10,000, plus 150 trades
New InvestorLine Self-Directed clients using code SDCASHFT and adding at least $5,000 in net new assets.
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BMO InvestorLine
BMO InvestorLine Self-Directed
BMO's self-directed brokerage with broad registered-account access, standard per-trade commissions, and balance-based account fees.
Cash admin feeConditional
Canadian stocks$9.95 CAD per trade buy / $9.95 CAD per trade sell
U.S. stocks$9.95 USD per trade buy / $9.95 USD per trade sell
Standard tierSelf-Directed standard tier
Current promotions
Current offers
Brokerage context
Overview
BMO InvestorLine Self-Directed offers non-registered and registered accounts through web and mobile trading. Standard online Canadian stock and ETF trades cost CA$9.95, while U.S. trades cost US$9.95; selected ETFs and the activity-qualified Active Trader tier use different pricing.
Recurring account fees depend on account type and balance. Review the complete inventory for service charges, foreign-exchange costs, regulatory charges, and paid or activity-qualified features.
Eligibility facts
Standard account and commission facts
These facts describe the standard tier without relying on temporary promotions. Pass-through, foreign-exchange, service, and paid-tier costs appear below.
Individual accounts
- CASH
- Available · Conditional recurring feeIndividual non-registered cash accounts are available without an opening minimum. A CA$25 quarterly fee applies below $15,000; registered-account and trading-activity waivers are available.
- TFSA
- Available · $0 recurring feeIndividual TFSAs are available. BMO states Self-Directed TFSA accounts do not have account fees.
- RRSP
- Available · Conditional recurring feeIndividual RRSPs are available. The annual fee is CA$100 below $25,000 and $0 at or above $25,000.
- FHSA
- Available · Conditional recurring feeIndividual FHSAs are available. The fee schedule's all-other-registered-accounts rule is CA$100 below $25,000 and $0 at or above $25,000.
Standard online commissions
- Canadian Stock
- Buy $9.95 CAD per trade · sell $9.95 CAD per tradeCanadian-listed stock trades cost CA$9.95 each at the standard tier. Buy: Standard online commission below the active-trader threshold. Sell: Standard online commission below the active-trader threshold.
- Canadian Etf
- Buy $9.95 CAD per trade · sell $9.95 CAD per tradeCanadian-listed ETF trades normally cost CA$9.95 each. Buy: Standard online commission; selected commission-free ETFs are a separate exception. Sell: Standard online commission; selected commission-free ETFs are a separate exception.
- Us Stock
- Buy $9.95 USD per trade · sell $9.95 USD per tradeU.S.-listed stock trades cost US$9.95 each at the standard tier. Buy: Standard online commission below the active-trader threshold. Sell: Standard online commission; applicable U.S. regulatory charges can also apply.
- Us Etf
- Buy $9.95 USD per trade · sell $9.95 USD per tradeU.S.-listed ETF trades normally cost US$9.95 each. Buy: Standard online commission; selected commission-free ETFs are a separate exception. Sell: Standard online commission; regulatory charges can apply.
Full inventory
Fees, access, platforms, and capabilities
Accounts and tiers
- Accounts
- Individual cash, margin, TFSA, FHSA, RRSP, RESP, RRIF and other registered plans
- Active Trader
- CA$3.95 or US$3.95 per trade after 150 commissionable trades per quarter
Minimums and recurring fees
- Opening minimum
- $0
- Non-registered account fee
- CA$25 quarterly below $15,000 with waivers
- Registered account fee
- CA$100 annually below $25,000 for applicable registered accounts
Service and transfer fees
- Incoming transfer fee reimbursement
- UnknownA standing public reimbursement policy was not established from the reviewed official sources.
- Institutional transfer out
- UnknownThe amount was not established from the reviewed official sources.
Investments and trading costs
- Standard stock and ETF commission
- CA$9.95 or US$9.95 per online trade
- Active Trader commission
- CA$3.95 or US$3.95 after 150 commissionable trades per quarter
Foreign exchange and currency
- Currency handling and conversion costs
- UnknownNot established from the reviewed official sources.
Markets
- Market access
- UnknownNot established from the reviewed official sources.
Trading features
- Trading features
- UnknownNot established from the reviewed official sources.
Platforms and data
- Platforms and market data
- UnknownNot established from the reviewed official sources.
Orders and research
- Order types and research
- UnknownNot established from the reviewed official sources.
Margin
- Margin availability and rates
- UnknownNot established from the reviewed official sources.
Custody and protection
- CIPF membership
- BMO InvestorLine Inc. is listed as a CIPF investment dealer member firm.