BMO Digital Banking
83
Quality Score
Excellent
✍️ Bumetric analysis
“
BMO Digital Banking is an iOS app from BMO Bank National Association in the Finance category, currently rated 4.8★ across 125,352 ratings. Initial signal reads as mostly critical sentiment so far: users flag rough edges and unmet expectations.
Quality Score is 83: Excellent (strong product-market fit). For a Finance app, that means strong product-market fit. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Monthly revenue · now vs forecast
● Right now
$2.0M
per month
→
12-mo forecast
$2.1M – $3.3M
per month
→
24-mo forecast
$2.5M – $4.7M
per month
BIG tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
247 snapshots on record
Rating
4.8
Reviews
125,352 reviews
Forecast Revenue / mo
$2.0M
Snapshots tracked
247
since Aug 2024
🤖Also on Android
$206/mo · 48K ratings · 4.6★
View →
ONE-TIME · BUILD
💰 Estimated build cost
$190K
↳ What it cost to build · not monthly revenue
Likely range $140K – $255K
$25K · MVP floor
$100K · indie scale
$500K+ · studio build
📈
Pays back in under a month at current MRR
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱 MVP baseline (design + 1-store ship) | +$28K |
| 📱 5 unique screens × $4.5K | +$22K |
| 📦 Asset bundle (88 MB) | +$15K |
| ⚙ Finance complexity ×1.60 | +$39K |
| ⚙ 14.2y maintenance × ~1-person team | +$85K |
Total estimate
$190K
ONE-TIME · EXIT VALUE
💵 Estimated acquisition value
$50.0M
↳ What it would sell for · not monthly revenue
Marketplace range $37.5M – $65.0M · 25× MRR multiple
💸
~263× return on build cost
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺 Ad-supported base | 15× MRR |
| 📅 14.2y proven track record | +20% |
| ⭐ ★ rating ≥ 4.7 (premium) | +15% |
| 🏷 Finance category multiple | +15% |
| ⭐ Mature user base (100K+ ratings) | +5% |
Final multiple
25× MRR
👥 Estimated audience size
5.2M
Lifetime downloads (US-equivalent)
Monthly active
390K
Daily active
155K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲 Finance engagement | ~60 installs / rating |
| 📅 14.2y of rating accumulation | -30% |
| 🔁 Finance D30 retention | 28% |
| 📍 DAU / MAU stickiness | 0.40 |
DAU / MAU
40% sticky
🛠 Estimated tech stack
🍎
Native iOS (Swift / UIKit)
Medium confidence · 60%
Also possible
React Native
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 📦 App bundle size | 88 MB |
| 🏷 Category context | Finance |
| 📦 Mid-large iOS bundle | → Likely native Swift / UIKit (pre-2020 era) |
💀 Maintenance status
Active
15%
Last shipped 2026-08-06 · 55 days ago
0 · Active
50 · At risk
100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅 55 days since last update | Healthy release cadence |
Verdict
Active
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$2.0M/mo · ML-estimated from 234 triggers
Growth rate
+2.5% MoM · BIG tier baseline (compound monthly)
6 months
$2.0M – $2.7M
12 months
$2.1M – $3.3M
24 months
$2.5M – $4.7M
Compound growth at +2.5% MoM (tier baseline for BIG). Range widens with horizon — typical noise band ±15% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Mixed signals · 57/100BIG TIERcompetitive but cautiousGrowth Velocity
5.0
Founder Strength
5.4
Product Quality
9.5
Revenue Strength
6.3
Monetization Maturity
1.0
Defensibility
6.0
Market Position
2.0
Operational Safety
10.0
- 💰 Revenue: Healthy — $800K - $4400K/mo · BIG tier · medium-low confidence, trajectory unclear.
- ⭐ Quality: 4.77★ across 125,352 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: Insufficient signal to assess trajectory.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $36.0M-$64.0M.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 12 of 12 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (125,352 ratings)METRIC | +$12,000 | |
| Excellent rating (4.8★)METRIC | +$2,200 | |
| bugsREVIEW | −$1,800 | |
| 5 starREVIEW | +$1,800 | |
| securityREVIEW | +$1,800 | |
| excellent appREVIEW | +$1,500 | |
| Mature app (14y old)METRIC | +$1,500 | |
| highly recommendREVIEW | +$1,400 | |
| slowREVIEW | −$1,200 | |
| support teamREVIEW | +$900 | |
| Ad-supported / freemiumMETRIC | +$600 | |
| Single-language (English only)METRIC | −$400 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
🆕 What's New · v2715977826.7.115
We're always working to improve the banking experience, update includes:
• BMO introduces Identity Theft Protection via the CreditView dashboard
• Minor bug fixes and performance improvements.
Turn on automatic updates so you always bank with the latest features & enhancements!
• BMO introduces Identity Theft Protection via the CreditView dashboard
• Minor bug fixes and performance improvements.
Turn on automatic updates so you always bank with the latest features & enhancements!
Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- BMO Digital Banking
- Developer
- BMO Bank National Association
- Bundle ID
- com.fis.071025661SUB
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- 4+
- Languages
- EN
Company
- Website
- Not found
- Tagline
- Today
- Description
- Find apps and games for iPhone, iPad, Mac, and more on the App Store.
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Available
Revenue
- Reported revenue signal / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- Model estimate / mo
- $2.0M/mo
- Top-grossing rank
- Outside top 100 in US Finance
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth133,741 ratings+29887% lifetimeShow 3-year history estimate ▾
Tracked (60 weeks) Pre-tracking estimate (0 weeks) · model-based, ±5% noise · anchored to release date and current value
🌍Geographic ReachNot ranked
This app is currently outside the top 100 grossing in all 9 countries we monitor (US, UK, DE, FR, JP, CA, AU, BR, IN). Niche or new apps often launch this way — popularity rankings appear once daily revenue clears the regional threshold.
🚀Update Frequency · Releases per Quarter3 releases tracked
🚀Version Release Timeline3 releases tracked
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
📝 About this app
Bank on the go from your iPhone® anywhere, anytime with the BMO Digital Banking app. We’ve updated the design for a cleaner look that’s even more convenient to use! It’s secure¹ and super easy to:
• View account balances and activity
• Sign on even faster using Face ID®
• Access your credit card account alongside your other BMO accounts
• Send money to friends and family with a bank account in the U.S. with Zelle®
• Track your accounts – even if they’re not with us – with BMO Total Look
• Transfer money between your BMO accounts²… View full description on the official store →
• View account balances and activity
• Sign on even faster using Face ID®
• Access your credit card account alongside your other BMO accounts
• Send money to friends and family with a bank account in the U.S. with Zelle®
• Track your accounts – even if they’re not with us – with BMO Total Look
• Transfer money between your BMO accounts²… View full description on the official store →
App Specs
🔐 Own this app? Claim & verify MRR →💾 88 MB🔞 4+📱 iOS 16.0+🔖 v2715977826.7.115🔄 updated 1mo ago🌐 EN📂 Finance💰 Paid🚀 Launched 2012 (14y old)
📅
What Worked™ · Development Pipeline
18 EVENTS TRACKEDDetected changes in this app over its tracked lifetime — each event links cause (what changed) to effect (what moved). Sorted newest first.See full history →Version history →
2026-08
📸
Refreshed store screenshots — 13 of 13 updated
→ 30 days after: reviews +2,153 medium · co-occurring
2026-08
🔧
Shipped update — v2715977826.5.96 → v2715977826.7.115
→ 30 days after: revenue +$5.2K/mo · reviews +4,528 low · multiple changes
2026-06
🔧
Shipped update — v2715977826.3.115 → v2715977826.5.96
→ 30 days after: reviews +3,861 high confidence
2026-04
⭐
Rating ↑ 2.98 → 4.77 (improved 1.79★)
→ 30 days after: reviews +2,067 high confidence
2026-04
📈
Crossed 1,000 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +2,067 high confidence
2026-03
📈
Crossed 500 ratings — social-proof flywheel kicking in
→ 30 days after: revenue +$20.1K/mo · rating +1.81★ · reviews +122,797 high confidence
2024-12
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.13★ · reviews +27 medium · co-occurring
2024-12
📈
Crossed 100 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +61 low · multiple changes
2024-10
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: reviews +14 medium · co-occurring
2024-10
📈
Crossed 50 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.17★ · reviews +37 medium · co-occurring
2024-09
⭐
Rating ↑ 2.67 → 3.42 (improved 0.75★)
→ 30 days after: rating −0.16★ · reviews +23 high confidence
2024-09
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating −0.16★ · reviews +23 high confidence
2024-09
📈
Crossed 10 ratings — social-proof flywheel kicking in
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
2024-09
⭐
Rating ↑ 2.67 → 3.00 (improved 0.33★)
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
2024-08
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
2024-08
⭐
Rating ↑ 3.00 → 3.67 (improved 0.67★)
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
2024-08
⭐
Rating ↓ 5.00 → 3.00 (dropped 2.00★)
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
2024-08
🚀
First tracked snapshot — initial data captured
→ 30 days after: rating +0.75★ · reviews +25 low · multiple changes
📸
Store Page History
13 SCREENSHOT CHANGESEvery time a developer swaps a store screenshot we archive both versions. Compare side-by-side to see what messaging / visuals changed.
iPad screenshots
Slot 1
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 2
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 3
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 4
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 5
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 6
2 ver.
2 ver.
2026-05-12
2026-08-07
iPhone screenshots
Slot 1
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 2
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 3
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 4
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 5
2 ver.
2 ver.
2026-05-12
2026-08-07
Slot 6
2 ver.
2 ver.
2026-05-12
2026-08-07
🌍
Multi-Country Performance
Available in 9 of 9 monitored markets| Market | Rating | Reviews | Current version |
|---|---|---|---|
| 🇦🇺 AU | 3.9★ | 10 | 3.9★ this version |
| 🇧🇷 BR | 4★ | 2 | 4★ this version |
| 🇨🇦 CA | 4.76377★ | 563 | 4.76377★ this version |
| 🇩🇪 DE | 3★ | 10 | 3★ this version |
| 🇫🇷 FR | 4.46154★ | 13 | 4.46154★ this version |
| 🇬🇧 GB | 4.58333★ | 24 | 4.58333★ this version |
| 🇮🇳 IN | 4.8★ | 20 | 4.8★ this version |
| 🇯🇵 JP | 2.16667★ | 18 | 2.16667★ this version |
| 🇺🇸 US | 4.75959★ | 135,148 | 4.75959★ this version |
🔔
Track this app’s revenue
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📝 Description
95
BU Score · Transcendent
Full revenue analysis
Read the article-style breakdown for BMO Digital Banking: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
More by BMO Bank National Association
View all →📦 Portfolio summaryBIG studio
2apps·$2.0M/mocombined
⚠ Concentrated — top app contributes 100% of combined revenue (single-app dependency)
About this analysis
Why high confidence: 125,352 ratings · no founder-verified revenue (model estimate only).
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does BMO Digital Banking make per month?▴
Based on our ML-calibrated revenue forecast, BMO Digital Banking earns approximately $2.0M/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is BMO Digital Banking profitable?▴
With estimated build cost $190K and monthly revenue $2.0M, BMO Digital Banking looks highly profitable — pays back its build investment in under a month at the current run-rate. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does BMO Digital Banking have?▴
Estimated audience: ~5.2M lifetime downloads, ~390K monthly active users, and ~155K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like BMO Digital Banking?▴
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is BMO Digital Banking built with?▴
Our heuristic places BMO Digital Banking on the Native iOS (Swift / UIKit) stack (Medium confidence, 60%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: React Native, Flutter.
Is BMO Digital Banking still actively maintained?▴
Maintenance status: Active (15% abandonment risk). Last shipped version was 1 months ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would BMO Digital Banking sell for?▴
Estimated acquisition value: $50.0M (marketplace range $37.5M – $65.0M). Calculated as 25× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was BMO Digital Banking last updated?▴
BMO Digital Banking last shipped a new version on 2026-08-06 — 1 months ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes BMO Digital Banking?▴
BMO Digital Banking is published by BMO Bank National Association on the Apple App Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is BMO Digital Banking's BU Score?▴
BMO Digital Banking has a BU Score of 83/100 (Excellent). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.