# BMO Alto Online Savings: 3.15% APY

Canonical: https://dealaka.com/offers/bmo-alto-online-savings

- Status: Limited reports
- Bonus: 3.15% APY
- APY: 3.15% (ongoing APY)
- Requirement: No minimum balance, no fees
- Expires: no published end date
- Availability: Nationwide
- Institution: BMO
- Verified: Jul 17, 2026 against bmo.com
- Field reports: 0

## Summary
BMO's online brand, Alto, pays 3.15% APY on its Online Savings account, with no monthly fee and no minimum balance. The rate is variable, so check the last-checked date before you rely on it.

## Requirements
1. Open a BMO Alto Online Savings account (no minimum to open).
2. Move money in; there is no fee and no minimum balance.
3. Interest compounds daily and is credited monthly.

## Fine print that matters
- The APY is variable and can change before or after you open the account.
- Alto is BMO's online-only brand; it is a separate application from a standard BMO account.

## Sources
- alto.bmo.com Online Savings <https://www.alto.bmo.com/en-us/high-yield-online-savings/> (checked Jul 17, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._