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.
Boost your savings! Enjoy 2.5% p.a. Invest Bonus Rate^ on your USD savings when you invest with Mox
During September 2025, placing investment order(s) for eligible transactions of at least HKD25,000(or equivalent) and maximise your returns with an additional +2.5% p.a. Invest Bonus Rate on USD savings and +0.75% p.a. on HKD savings 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 Rate (as of 1 Sep 2025)¹ | 0.5% |
| Invest Bonus Rate (for September) | +2.5% |
| Total interest rate | 3% |
| HKD savings deposit | Savings Rate (p.a.) |
|---|---|
| Savings Base Rate (as of 1 Sep 2025)¹ | 0.25% |
| Invest Bonus Rate (for September) | +0.75% |
| Total Interest Rate | 1% |
^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 FlexiBoost Account(s). Investment involves risk. Terms and Conditions apply. Please refer to the Invest Bonus Rate Promotion (September 2025) for further details.
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 | Interest Rate (p.a.) |
|---|---|
| No cap, no tiers | 0.25% |
USD Savings Base Rate
| USD savings deposit | Interest Rate (p.a.) |
|---|---|
| No cap, no tiers | 0.5% |
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,
During September 2025, maximise your returns with additional +2.5% p.a. Invest Bonus Rate on USD savings and +0.75% p.a. on HKD savings for that month^! All you need to do is place an investment of just HKD25,000 (or equivalent) in a 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.
You will not receive the Invest Bonus Rate for deposits in your Time Deposit Account(s) and 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 (Sep 2025) for further details.
During September 2025, place investment order(s) for eligible transactions of at least HKD25,000 (or equivalent) and maximise your returns with additional +2.5% p.a. Invest Bonus Rate on USD savings and +0.75% p.a. on HKD savings 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 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 September 2025 and meet the Transaction Amount requirement and become eligible for the Invest Bonus Rate starting from 2 September 2025.
On 3 September 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 September 2025.
Investment involves risk. Terms and Conditions apply. Please refer to the Invest Bonus Rate Promotion (Sep 2025) for further details.