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BMO Cashback Mastercard Review (2024) - Everything You Need To Know (Pros And Cons...)You definitely can, though it will cost you more to make purchases. This is because you'll have to pay for currency conversion, and you'll also. Unless you have a USD account/card, yes you will have to pay the conversion fee. BMO uses the same Mastercard+% rate for debit transactions. Withdraw USD from over 40, Allpoint � Network ATM s throughout the U.S. using your BMO Canada Private Banking debit card or BMO U.S. debit card. footnote