Liverpool forward Daniel Sturridge also returns from injury to take his place in the 23-man squad.
Hart, who has 35 international caps and kept clean sheets in England's last two World Cup qualifiers, was at fault for two of Bayern's three goals, failing to stop routine shots from Franck Ribery and Arjen Robben.
Victories in both games would guarantee a place at the World Cup finals in Brazil next summer for Hodgson's men.
"We don't have to debate how important these games are and I am very confident these players will be the ones that take us there [to the World Cup], as long as they come through this weekend's games," said Hodgson.
England play Montenegro at Wembley on 11 October before hosting Poland at the same venue four days later.
Fraser Forster, Joe Hart, John Ruddy
Leighton Baines, Gary Cahill, Ashley Cole, Phil Jagielka, Phil Jones, Chris Smalling, Kyle Walker
Ross Barkley, Michael Carrick, Tom Cleverley, Steven Gerrard, Frank Lampard, James Milner, Andros Townsend, Jack Wilshere
Jermain Defoe, Rickie Lambert, Wayne Rooney, Daniel Sturridge, Daniel Welbeck
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