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Lock/Unlock BMO Card - Freeze/Unfreeze BMO Credit or Debit Card - BMO restricted card BMO Lost CardThis guide aims to explain how BMO customers can activate the tap function via online banking, the BMO Mobile app, and by calling customer service. Consumer and Business Debit Card: if your current card has a contactless indicator on the front or back, that means you can tap to pay. If you do not have a. Get the benefits of a Mastercard� and the convenience of a debit card that lets you pay directly from your checking account.