2020 BMW M5 Key Replacement

2020 M5 key specs

The F90 M5 uses BMW's G-series smart fob, which combines the remote, transponder and a slide-out emergency blade, with push-button start on every car. It shares its electronics with the G30 5 Series. Cars built from mid-2020 also support BMW Digital Key on compatible phones. The M5 Competition and the M5 CS of 2022 use the same system as the standard car, and there was no M5 at all for 2024.

What's specific to the 2020 M5

The 2020 BMW M5 is the third of 6 model years in the M5 F90 (seventh generation) (2018–2023), so it shares its key system with the rest of that run, which makes replacement parts easy to source. A 2020 BMW M5 is about 6 years old now. Original fob batteries are near the end of their life at this age, so weak range or a "key not detected" message is often a battery before it is a failed fob. Cars this age are often on their second owner, which is when a single remaining key and a request for a spare tend to show up.

Smart-key cars like the 2020 M5 can be targeted with relay attacks that extend the fob's signal from inside your home, so keep fobs away from exterior walls or in a signal-blocking pouch, and have any missing fob erased from the car.

Key options for the 2020 BMW M5

• Smart proximity key (push-to-start). Making a new smart key is mostly a programming job. The fob has to match the vehicle's FCC ID, frequency and chip, and then the keyless system must be told to accept it, normally through the OBD-II port. Depending on the platform, that can mean entering a PIN, waiting through a timed security procedure, or on some newer vehicles, using manufacturer online access. When every key is lost, certain models need a module removed and read on the bench. For your BMW M5 F90 (seventh generation), we'll tell you which of those applies, and if a step is dealer-only, you'll hear it before we drive out. The emergency blade hidden inside the fob is cut by code during the same visit.
• Phone as key. A phone key turns your smartphone into the vehicle's key through the manufacturer's app or a digital wallet. On a 2020 BMW M5 that supports it, the car may use Bluetooth Low Energy to sense the phone as you walk up, NFC for a deliberate tap at the door or console, and, on newer systems, ultra-wideband radio to pinpoint exactly where the phone is. Setting one up runs through the owner's account and usually requires a key the car already trusts. That account link is what makes phone keys convenient, and it's also why no locksmith can create one from the diagnostic port the way we program a fob.

How the BMW immobilizer works on the M5

• The F90 was the first M5 with all-wheel drive, which BMW calls M xDrive.
• The next M5, the G90, arrived as a 2025 model with a plug-in hybrid V8 and a new key system.

Programming a 2020 M5 key

The F90 stores keys in the body domain controller. With a working fob, a spare can sometimes be added through the OBD-II port, but most jobs mean removing the module for a bench read, and all-keys-lost also needs the engine computer's ISN. Cars from the 2021 facelift run newer module software that fewer tools cover, so we check the VIN and build date first.

No BMW in this range lets an owner add a key from the driver's seat, so every new key or fob is written with professional equipment, and the car's era decides how. EWS cars usually need the module removed and read on a programmer. CAS2, CAS3 and early CAS4 cars can often be handled through the OBD-II port, while CAS3+ and CAS4+ modules running later BMW software are commonly read on the bench. FEM and BDC cars almost always mean taking the module out, backing up its data and preparing it before a key can be added, and all-keys-lost work also needs the engine computer's ISN. BMW fobs lock to the first car they are coded to, so a used fob only works if it can be professionally renewed. Bring every key you have, since some procedures rewrite the stored key list, and expect us to check your ID and registration before we start.

Spare fobs are often possible with bench programming. All-keys-lost depends on module software, and some later cars still need a BMW dealer.

Lost every key to your M5?

1. Gather your documents and the VIN. Find your registration or title and a government photo ID in the same name. Note the VIN, which is printed on the driver's side of the dashboard and usually on your insurance card. If the paperwork is locked in the car, tell us; we'll open the vehicle first and check it there.
2. Get into the vehicle without damage. If the car is locked, we open it with non-destructive tools such as an inflatable wedge and a long-reach rod, or by picking the door lock. Some vehicles need a careful approach to avoid triggering the alarm, which can interfere with programming later.
3. Originate a new key from the car. With no key to copy, the cuts come from the vehicle itself. We retrieve the key code through manufacturer channels where possible, or decode a door lock with a pick-decoder tool. Then we cut the blade on our code machine and confirm it turns the lock smoothly.
4. Program the key to the immobilizer. Next, the new key is introduced to the car's security system. Many vehicles allow this through the OBD-II port with a PIN or security procedure. Some all-keys-lost cases require reading a module on the bench, and a few platforms only allow dealer programming, which we'll tell you up front.
5. Erase missing keys and add a spare. Once the car starts, we remove the lost keys from memory wherever the system allows, so they can't start the engine if someone finds them. Making a second key during the same visit costs much less than a repeat all-keys-lost call down the road.

Why a spare key pays for itself

• When you sell or trade in the vehicle, buyers and dealers expect two keys. A missing key can come up during an appraisal or a private-sale negotiation, so having both on hand keeps the conversation about the car, not about what it will cost the next owner to replace one.
• A spare stored safely at home rescues you from a locked car with the fob sitting on the seat, a key dropped somewhere along a hiking trail, or a fob that stops responding on a busy morning. Keep it indoors, never in a magnetic box under the bumper.
• Some vehicles make it hard to add a key once you're down to one. Certain immobilizer systems let an owner program an extra key on-board only when two working keys are present, so a second key preserves the easy options for later and avoids a full reset.

Dealer or mobile locksmith?

Price and parts are the other half of the comparison. Dealers typically sell factory keys only and charge their posted service rates for programming. We offer factory keys where it matters and quality aftermarket alternatives where they perform well, and the quote covers cutting, programming and the trip, with nothing tacked on at the end. Timing differs too. Dealer service departments generally keep business hours, while we take automotive calls every day from 6:30 a.m. to 11:30 p.m., which covers early commutes and late evenings. We're closed overnight, and we'll be upfront if your timing means the dealer or a next-day visit is the better plan. Neither option is wrong; the right one depends on your M5 and your schedule.

M5 key battery

If a new replacement doesn't bring the fob back, the battery wasn't the problem. Common culprits include a battery holder whose solder joints have cracked from drops, contacts corroded by moisture, worn rubber button pads that no longer reach the circuit, or a board damaged by water. We can test whether the fob is transmitting at all and inspect the board closely. Sometimes a new shell or a resoldered holder solves it; sometimes the fob has to be replaced and programmed. Meanwhile, the car can usually still be started with the fob held at the backup spot described in the owner's manual.

How the job works

1. Identify the exact key your M5 uses. We ask a few quick questions on the phone: the year, whether the car starts with a turn key or a button, how many keys you have left, and whether the remote still works the doors. Then we check the VIN against our programming references so the van arrives with the correct blank or fob, not a close guess.
2. Verify ownership before any work. California holds licensed locksmiths responsible for knowing whose car they're making keys for. We record your name, the VIN and the plate on a work order. If you aren't the registered owner, you'll need the owner's written authorization along with your own photo ID before we begin.
3. Get the key code or decode the lock. A key is cut from a code, not a guess. When the factory code can be retrieved through manufacturer channels after ownership is verified, we use it. When it can't, we decode a door lock with a pick-decoder tool that reads the wafer positions without damaging anything, then work out any missing cuts.
4. Cut the blade on-site. Our van carries a code-cutting machine that handles both traditional edge-cut blades and the laser-cut, side-milled profiles common on newer keys. The blade is cut to the code, then test-fitted in a door lock and the ignition or emergency keyhole to confirm smooth operation before any programming begins.
5. Program the chip, remote or smart key. With the blade done, we connect to the OBD-II port and register the new key with the immobilizer. Depending on the BMW system, this may involve a security PIN, a timed waiting period, or on-board button sequences for the remote. On some vehicles we clone a working key's chip instead, when that's the more reliable path.
6. Test everything and clear out old keys. Before we leave, every function gets checked: doors, trunk or liftgate, panic button, remote range, engine start, and the emergency blade in the driver's door. If keys are missing, we delete them from the car's memory where the system allows, so a lost key can no longer start the engine.

What affects the price of an M5 key

• All keys lost or adding a key. On some vehicles, losing the last key changes the programming entirely, from a quick add-key procedure to a full immobilizer reset or a module read on the bench. That extra labor shows up in the price, and it's the strongest argument for keeping a spare in the house.
• Programming complexity and security access. Two cars with similar-looking keys can program very differently. Newer platforms often guard key programming behind encrypted access or paid credentials, while older systems allow straightforward OBD-II pairing. We check the exact procedure for your VIN before quoting, so the number reflects the real work involved.
• Blade style and cutting. Traditional edge-cut blades are quick to cut. High-security laser-cut blades, with a groove milled into the side, need a specialized machine and more care, and the blanks themselves cost more. If we have to decode a lock to find the cuts, that adds labor as well.
• Travel, timing and extra repairs. Because we come to you, the distance from our San Bernardino base and the time of the call play a part. So does anything we find along the way, such as a worn ignition cylinder or a seized door lock. You hear about each item and get a quote before we start work.

Call (951) 903-3193 with your VIN and the keys you still have, and we'll quote the job before any work starts.

Tips from a mobile locksmith

• Make the spare before you need it. Adding a key while one still works is quicker and less expensive than starting from nothing, and it keeps the simpler programming options available. Good moments are right after buying the car, or as soon as one of your two keys goes missing.
• Every so often, use the mechanical blade in the driver's door lock. Cylinders that go years without a key can seize from dust and dried grease, and you won't find out until the day the fob dies and the blade is your only way in. A small shot of dry lubricant keeps the lock ready.
• On any vehicle with a turn-key ignition, keep the key ring light. A heavy cluster of keys, tools and charms swings with every bump and slowly wears the ignition wafers and the key itself. When the key starts to stick or needs a wiggle to turn, deal with it early, before it stops turning entirely.
• Never hide a spare key or fob on the outside of the car. Magnetic boxes in wheel wells and under bumpers are the first places a thief checks, and with a proximity fob, a hidden key can let anyone open the doors and drive away. Keep the spare at home or with someone you trust.
• Photograph the back of your fob and any key tag that came with the car. The FCC ID, part number and key code printed there make ordering a replacement faster and more accurate. Store the photos somewhere you can reach from any device, not only on the phone that might go missing along with the keys.

Proof of ownership

Making car keys is regulated work in California. Locksmiths are licensed and overseen by the Bureau of Security and Investigative Services under the Locksmith Act, Business and Professions Code section 6980 and following, and Julian's Locksmith holds company license LCO7891. Verification protects you more than anyone: a locksmith who will make a key for whoever asks will also make one for someone who wants your car. We record your name, the vehicle and its VIN on a work order, and we politely decline jobs where ownership can't be established. You can look up our license at search.dca.ca.gov.

Need a 2020 BMW M5 key?

Locked out, keyless, or just tired of a fob that only works half the time? Julian's Locksmith can help with your M5 in Southern California. Have your registration and photo ID ready, call (951) 903-3193, and we'll give you an honest answer about what we can do on-site and what it will cost before we head your way.