BMO Spend Dynamics
November 09, 2025
More About BMO Spend Dynamics
You’ll have visibility of all your card purchases and the ability to view any policy or approval rules associated with your expenses – all on the same screen.
Simply download now and create your mobile PIN to enjoy all the functionality you’re already using with BMO Spend Dynamics®. With BMO Spend Dynamics® mobile app, you can say goodbye to paperwork, spreadsheets, and paper receipts and say hello to mobile and cloud technology, freeing you up to get on with your day job.
Easy Expense Management:
- Capture expense data from your BMO Corporate Card
- Take photos of your receipts using your device
- Keep track of receipts using the image library
- Code and submit expenses
- Approve expenses
- Banking-grade globally recognized security levels.
Latest Version
253.0
November 09, 2025
BMO
Finance
Android
70,866
Free
com.bmo.expenses
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User Reviews
Micah Land
7 months ago
for some reason you can't attach files (receipts) from your files on your phone and only through your photo album or a camera picture. massive oversight
Kyle W
3 years ago
I'm trying to log in through the website and I can't anymore. You are now FORCED to download this if you want to log in. I'm so sick of having to download apps for everything.
Jonathan Bruderlein
7 months ago
BMO spend dynamic is the ONLY website consistently have trouble logging into... Finally they replaced their faulty (long lag time) email 2 step authentification... and now I'm having trouble still with this new 2 factor authenticor. Very frustrating as a small business owner to be thwarted like this when finally I'm able to squeeze in a little office work to do some admin.
Jamie Spizziri
3 years ago
Not user friendly. Trying to create an expense account and attaching the receipts is a terribly long ordeal. I don't know why my company uses this?
Ned MacInnis - HEAL NS
3 years ago
Terrible! Doesn't always work then locked me out of everything. I had to have everything reset, spending time and energy to do so.
Cassandra Morehouse
1 year ago
Would rate negative 5 stars. Not user friendly at all and the two step authentication is a nightmare. I hate that I have to use this app for work reimbursements.
Sandra Culham
2 years ago
Worst app ever. I need a two factor authentication code to get into Spend Dynamics. online or in the app, but can't get that code as I can't get into either to get one.
Thomas Denham
4 months ago
can't get into it, absolute garbage security management
rob rubino
8 months ago
the app is very user friendly , it makes it very easy to navigate thru much easier than the previous expense app .also the help from Jackie makes it easy to learn she is very helpful with any questions that may come up while doing my expenses
Jessica Lusk
1 year ago
Constant issues logging on and staying on. Almost always have to try to upload my receipts 2 to 3 times before its accepted. This app sucks!! If I didn't need it for work I wouldn't use it at all...
DS
9 months ago
I rate this at 1 falling star as it is the worst program ever. This is what my employer uses to recoup my travel expenses. More times than not after I have spent an hour inputing receips and GST et al, I get a red banner stating, "The request cannot be completed at this time, please try again." Very labour intensive to get my money back.
Minh Hoang
1 year ago
I wish I can give this negative stars. Here is the dilemma, the app doesnt have all the function so you are forced to you the web, which prompt the app to authenticate but also force you to change your password if you havent logged in in a month. Imagine just want to submit your receipt quickly but have to log in to the web, grab your phone, find password, change to new password, write password down somewhere because it doent allow copy and paste. Worst app of this decade
Andrew Maier
2 years ago
I'm forced up change my password very frequently, but the process doesn't work. Because I use the authenticator I'm forced to do my password update inside the app, where it bugs out telling me my current password is incorrect even though it's the same one I used to sign into the web interface just moments ago. Bad, outdated practices like frequently scheduled password changes coupled with bad interface design make this awful to use.
Jason Grossenbacher
3 months ago
App constantly crashes in the middle of trying to balance credit card. If you enjoy instability in your apps, this is the one for you. The only thing worse than this app is the in-person experience at a local branch.
Harv Gq
1 month ago
Tt works well, although at times it crashes when trying to add receipts through the phone's camera.
Neil MacKinnon
2 months ago
This is terrible app probably created with the input business owners and managers so you can't put in your expenses. If this is true, well done, you have accomplished your goal. Did we hire the most qualified person to make this app. BMO, Let's check there
Matthew Bright
1 month ago
Completely useless. Login and 2fa problems until I just gave up. This app is an indication that BMO is not a serious company.
Wendy Byer
2 months ago
it doesn't always save my entries and we have to put 0 in for the taxes that aren't relevant. Extra steps are not always appreciated.
Richard Hawkins
2 months ago
Two factor authentication code takes 5 - 10 min to arrive using a Gmail account, will lock you out forcing a call to BMO that might be another 20 min ... even after BMO reset I was told I couldn't get back in for 2hr ... I am the Administrator on the account!
B. G.
1 year ago
We began using this at our company to streamline expense reporting. However, it has not been great. It doesn't automatically update the mileage reimbursement rate, so we had to manually go over each claim and adjust it, and then put in a ticket, because our rep doesn't want to help us anymore. The ticketing system is bad. I didn't get a resolution to my question. Except that every January, I will need to submit another ticket so they can update the Federal IRS Mileage rate bc they hard coded it.
