Paying property taxes isn’t exciting, but it’s an essential part of owning a home in Montreal. Property owners are responsible for paying annual municipal taxes to the City of Montreal, which are used to fund vital public services.

But what if you could earn rewards while paying your Montreal property taxes? In this guide, you’ll learn how to pay Ville de Montreal property taxes and how to do it more efficiently and profitably with your credit card using Chexy.

How to Pay Montreal Property Taxes

The City of Montreal provides several traditional ways to pay your taxes municipales, which you can pay in one or two installments:

• Online Banking: Add the Ville de Montreal as a payee and enter the reference number shown on the notice, without the hyphens.

• By Mail: Send a cheque payable to Ville de Montreal - Service de finances. Include the detachable portions of your tax notice. 

• In-Person: Go to an Accès Montréal Office with the detachable part of your tax notice and your payment.

These methods work, but they have some drawbacks, including no earning rewards, limited credit building, poor tracking, and a lack of flexibility. That’s where Chexy comes in.  

Chexy: A Better Way to Pay

With Chexy, you can pay your Montreal city taxes using your credit card, even if the City of Montreal doesn’t directly accept credit cards. Here’s how it works: 

1. Create or log into your Chexy account.

2. Select “Set up a one-time payment.”

3. Choose the “Property Taxes” payment category.

4. Enter the payee (VILLE DE MONTREAL TAXES FONCIERES) and your 14-digit property tax roll number. 

5. Enter the amount you owe, select your card, and submit the payment. 

What Happens After You Submit the Payment? 

1. After adding your property tax payment, Chexy automatically charges your credit card. 

2. The funds make their way to your Chexy Wallet. 

3. Chexy sends your payment 3 business days later. 

Because payments take 3 business days to process, please ensure you send your payment before the due date. 

What Does it Cost to Use Chexy for Montreal Tax Payments?

Chexy has the lowest transaction fees in Canada:

• 1.75% for Visa and Amex 

• 2.5% for international credit cards 

This small fee can easily be offset by the points, miles, or cash back you earn. 

2025 Property Tax Deadlines in Montreal

Here are the key dates for Montreal property tax payments in 2025:

• First instalment due: March 3, 2025

• Second instalment due: June 2, 2025 

You’ll receive your taxes municipales Montréal statement in early 2025 with your reference number and the total balance due. Remember to plan ahead if you're using Chexy.

Who to Contact About City of Montreal Property Taxes

If you need help or have questions, reach out to: 

Ville de Montréal – Division des finances:

• 275 Notre-Dame Street East, Montreal, QC H2Y 1C6

• taxes@ville.montreal.qc.ca

• 3-1-1 (within Montreal) or 514-872-0311 (outside Montreal)

You can also visit your local borough office for in-person service. 

Best Credit Cards to Use for Property Tax Montreal Payments

Paying your Montreal property taxes through Chexy counts as a recurring bill payment. That means you can unlock higher cashback or points from certain credit cards.

*Ensure you use a credit card that earns higher rewards to offset the 1.75% Chexy fee. 

Here are a few top credit cards that work well with Chexy for paying property taxes:

Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite earns you 4% cash back on recurring bills, up to $25,000 annually. You also earn 4% cashback on groceries, 3% back on gas and transit, and 1% back on everything else. 

With a property tax payment of $5,000, you’d earn $112.50 in cashback (after Chexy fees).

TD Cash Back Visa Infinite Card

The TD Cash Back Visa Infinite is another top pick, as you’ll earn 3% cash back on property tax payments and recurring bills (up to $15,000 annually). You can also earn 3% back on groceries and gas, and 1% back on everything else. 

With a property tax payment of $5,000, you’d earn $62.50 in cashback (after Chexy fees).  

American Express Aeroplan Reserve Card

The Amex Aeroplan Reserve earns you 1.25x the points on every dollar spent on property taxes, bills, and everything else. You can also earn 3x the points on Air Canada purchases and 2x the points on dining. 

It includes incredible Air Canada benefits, like lounge access and top-tier travel insurance. 

With a property tax payment of $5,000, you’d earn $43.75 in points (after Chexy fees).

Start Paying Property Taxes Smarter with Chexy

Rather than sticking with the old-school options, Chexy offers a more rewarding way to manage your Montreal tax obligations. With Chexy, you can:

• Pay with your credit card

• Earn valuable points, cashback, or travel rewards 

• Stay on top of your finances

• Build your credit history

Ready to pay your City of Montreal municipal taxes the smart way? Get started with Chexy today.