Earn more on your USD savings with Mox
Whether you're looking for a secure place to grow your money, waiting for opportunities, or actively seeking trading and wealth options, Mox is your top choice for a USD bank in Hong Kong.
Effortlessly earn a 1% p.a. USD savings base rate with no strings attached
Got cash sitting idle waiting for the next opportunity? Put it to work with Mox!
From 1 March 2025, you can get a guaranteed USD savings base rate of 1% p.a.— no cap, no strings attached! That's 2.5 times¹ more than what traditional banks offer. Plus, with our limited-time offer, convert your HKD to USD for free! Move your money to Mox today. For more details:
Up to 3% p.a. USD savings rate^ when you invest with Mox
Time Deposits aren’t the only way to get up to 3% p.a. interest rate. You can now earn this with your USD Savings Account with flexibility too!
Starting 1 May 2025, placing investment order(s) for eligible transactions of at least HKD25,000 (or equivalent) and boost your savings rate to 3% p.a. for that month^!
Eligible transactions include:
- Buy or Sell HK stocks;
- Buy or Sell US stocks;
- Buy or Sell ETFs;
- Net purchase of Mutual Funds/Core Portfolio*
*Based on the investment amount when the order is successfully submitted.
Earn with no tier and no cap with your USD savings!
| USD savings deposit | Savings Rate (p.a.) |
|---|---|
| Savings Base Rate² | 1% |
| Invest Bonus Rate | +2% |
| Total Interest Rate | 3% |
With your HKD held with us, convert it to USD and back to HKD for FREE! Don't miss out on the FREE exchange until 30 June 2025.
| HKD savings deposit | First HKD249,999.99 | Balance between HKD250K - 799,999.99 | Remaining balance HKD800K - HKD5M |
|---|---|---|---|
| Savings Base Rate² (p.a.) | 0.625% | 0.875% | 0.875% |
| Invest Bonus Rate (p.a.) | +1% | +1.25% | +2.25% |
| Total Interest Rate (p.a) | 1.625% | 2.125% | 3.125% |
^The Invest Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 5 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Invest Bonus Rate Requirement. You will not receive the savings base rate and Invest Bonus Rate for deposits in your Time Deposit Account(s) and (if applicable) FlexiBoost Account(s). Investment involves risk. Terms and Conditions apply. Please refer to the Invest Bonus Rate Promotion (May 2025) for further details.
The savings base rate, Invest Bonus Rate and Total Interest Rate are tiered rates.
Unbeatable FX exchange experience
Enjoy our top FX & remittance services, featuring mid-market rates and no markups.
Frequently Asked Questions
For deposits held in your savings account with Mox, you’ll earn interest at the following rate:
HKD Savings Base Rate
| HKD savings deposit | Tiered Interest Rate (p.a.) |
|---|---|
| First HKD249,999.99 | 0.625% |
| HKD250,000 or above | 0.875% |
USD Savings Base Rate
| USD savings deposit | Interest Rate (p.a.) |
|---|---|
| No cap, no tiers | 1% |
For other foreign currencies (AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD), you will earn 0.01% p.a. interest.
Interest will be calculated:
- for HKD, GBP and SGD, based on a 365-day year basis; and
- for all other currencies, based on a 360-day year basis,
For example, if your savings at Mox is HKD1,000,000, your first HKD249,999.99 will earn a daily savings base rate of 0.625% p.a., and the remaining HKD750,000.01 will earn a daily savings base rate of 0.875% p.a.
From 1 May 2025, invest with Mox during promotion period to boost your savings rate instantly! All you need to do is invest of just HKD25,000 (or equivalent) in a month, and you can enjoy up to 2.25% p.a.^ Invest Bonus Rate^ for all your Eligible Savings deposit. Eligible transactions include:
- Buy or Sell HK stocks
- Buy or Sell US stocks
- Buy or Sell ETFs
- Net purchase of Mutual Funds/Core Portfolio*
^The Invest Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 5 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Invest Bonus Rate Requirement.
*Based on the investment amount when the order is successfully submitted.
You will not receive the Invest Bonus Rate for deposits in your Time Deposit Account(s) and (if applicable) FlexiBoost Account(s).;
The FlexiBoost Account balance shall be included in the Eligible Balance for Card Rewards mentioned in the Mox Card Rewards Table.
Investment involves risk. Terms and Conditions apply. Please refer to the Invest Bonus Rate Promotion (May 2025) for further details.
From 1 May 2025, place investment order(s) for eligible transactions of at least HKD25,000 (or equivalent) and boost your savings rate to 3% p.a. for that month^! Eligible transactions include:
- Buy or sell HK stocks
- Buy or sell US stocks
- Buy or sell ETFs
- Net purchase of Mutual Funds/Core Portfolio*
^The Invest Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 5 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Invest Bonus Rate Requirement.
*Based on the investment amount when the order is successfully submitted.
For avoidance of doubt:
- You will not receive the Invest Bonus Rate for deposits in your Time Deposit Account(s) and (if applicable) FlexiBoost Account(s);
- Stock Transactions Amount are counted based on the executed transaction amount, excluding any applicable fees and charges;
- Net Fund Transactions Amount are calculated based on the net purchase amount of fund(s) units in HKD (or equivalent) (i.e. purchase minus sell) on the day you have successfully submitted your order, excluding (i) any amount in respect of orders resulting from Rebalancing and (ii) any applicable fees and charges.
Example: you successfully submit a fund buy order of HKD25,000 on 1 May 2025 and meet the Transaction Amount requirement and become eligible for the Invest Bonus Rate starting from 2 May 2025.
On 3 May 2025, you successfully submit a fund sell order of HKD5,000. The Net Fund Transaction Amount will be reduced to HKD20,000. Thus you will no longer meet the Transaction Amount requirement and will no longer be eligible for the Invest Bonus Rate starting from 4 May 2025.
Investment involves risk. Terms and Conditions apply. Please refer to the Invest Bonus Rate Promotion (May 2025) for further details.