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BMO 1464 Credits Generator

Credits Only

Generate BMO 1464-format credit payment files for direct submission to BMO Bank of Montreal.

Scope and processing notice

All file generation is processed entirely in your browser — no banking data is sent to any server.

This generator produces BMO 1464 credit files only. It does not generate BMO debit files, BMO 80-byte files, or files for RBC, CIBC, or Scotiabank.

Originator ID, file creation number, and destination data centre are bank/customer-specific values assigned by BMO. Validate generated files with your BMO 1464 contact before live submission.

Other BMO format: If your BMO setup requires the 80-byte EFT format instead of BMO 1464, use the alternate generator.

BMO EFT 80-byte Credits Only

Most users upload a prepared CSV. Use Enter in Browser to build a file manually or test with a small batch.

Upload CSV

Download the Excel template, fill in your BMO originator details and credit payments, export to CSV, then upload here.

Before you upload

Download the Excel template below and fill in your BMO originator details and credit payments.
Format institution, transit, and account columns as Text in Excel to preserve leading zeros.
Save a copy as CSV (Comma delimited) — do not upload the .xlsx directly.
Upload the .csv file here, review the imported values, then generate.

Use the Excel template to edit. Export to CSV only when you are ready to upload.

Or drag and drop a CSV file here