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BMO InvestorLine - Transfer funds using AccountLinkUnless you have a USD account/card, yes you will have to pay the conversion fee. BMO uses the same Mastercard+% rate for debit transactions. No need for checks and safer than cash. Get instant access to your money along with the benefits of a Mastercard� for all your purchase and spending needs. How can I use my BMO Rewards points to redeem for travel? Book travel with any travel provider of your choice using your BMO credit card, then login to the BMO.