Mox by Standard Chartered

Over 650,000 real users* within 4 years
Multiple prestigious accolades won

Over 650,000 real users* within 4 years<br/>Multiple prestigious accolades won

One of The World’s Best Banks 2023 by Forbes

Best Digital-only Bank in Hong Kong 2023 by The Asian Banker

Top rated* digital banking app for Hong Kong in Apple App Store

Protect yourself from bogus phone calls
Please be aware of bogus phone calls, fraudulent SMS messages, phishing websites and email purportedly from banks. Should you have any suspicion, please contact our Customer Care Team at +852 2888 8228 or report to the Police immediately. Please click here for more information.

Promotions

Invest

The more you invest, the more you earn - Earn up to HKD3,000 in cash rewards and enjoy low fee 📈 

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Welcome Offer

A brand new way to earn for Mox Referral Programme: Get HKD300 for every friend you bring to Mox 🎉

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The only bank in Hong Kong that pays you cash every day

The world is changing, and your wealth game needs to keep up with the times.

With Mox, the interest on your savings is calculated and credited to your Mox Account daily – watch your savings grow faster as the interest keeps rolling in.

When you spend with Mox Credit⁵, your CashBack⁶ is also calculated instantly and credited daily to your Mox Account. What’s more, it’s the best in town 2% Unlimited CashBack – real cash, with no cap or category limits. Simply use your Mox Credit anytime, anywhere!

Watch your money grow with Mox

With Mox as your wealth management partner, watch your money grow right before your eyes.

Mox Invest: Mox is the 1st digital bank that allows you to trade in both HK and US stocks, including fractional shares. Break free from entry barriers and invest with low fees⁷ in stocks and fund, all with the advantage of a bank.

Savings Rate: Take advantage of daily interest enjoy up to 0.5% p.a. on HKD savings. Starting 1 March 2025, for USD savings we also offer a 1% p.a. with no strings attached! Watch your savings grow every day!

Time Deposit: Mox gives you rewards for your Time Deposit instantly, right at the moment you place it. Whether you prefer cash or Asia Miles, you can earn either of them instantly with Mox!

Everything you need to make your money flourish is at the tap of a button with Mox.

Mox Credit, better than a credit card

Saving smart is great, but don’t forget to spend smart too. With Mox Credit, you’re not only enjoying Unlimited CashBack, but Mox Credit offers more than just a credit card.

Once your credit limit is approved, you’ll unlock a realm of banking services with Mox, no extra documents or headaches required:

You can pay with Mox Credit via FPS, making daily transfers or paying bills, as easy as a breeze
After spending, split your transactions instantly by Split Purchase or Split Your Statement, and easily manage your finance

Dream big. We’ve got your back

Besides smart money management, Mox has your back when you need extra cash for your dreams. Explore our instant solutions, available 24/7 with instant application decision – just a few clicks away:

Get extra cash with Instant Loan, money arrives in as fast as a second upon approval
With Instant Clear, clear your external credit card bills from other banks or financial institutions and save as much as 94%³𝄒⁴𝄒⁵ interest charges in a few minutes

At Mox, there’s nothing you don’t know

Get instant notification for every purchase, transfer, or any account activity for enhanced control and security
Each transaction is clearly presented, allowing you to see at a glance
Full transparency on all fees with no hidden charges

To borrow or not to borrow? Borrow only if you can repay!

Investment involves risks. Mox Invest Terms and Conditions apply.

*As of 3 July 2025.

¹Our General Terms and Conditions (in particular, see Schedule 3 and the Mox Credit Key Facts Statement apply.

²Clause 9 of Schedule 1 (Terms and Conditions for Accounts and Card Management) to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies.

³For details, please refer to the Fees and Charges section in the Mox app or on the Mox website.

⁴The above illustration is calculated based on a monthly repayment of 1% of a major traditional bank credit card outstanding balance or HKD220 (whichever is higher) over a 337-month repayment period. The average monthly repayment amount quoted above is calculated based on the first 3-month repayment amount and is rounded to the nearest dollar. The Annualised Percentage Rate (“APR”) is 35.70%. The total interest expense over the whole repayment period quoted above is rounded to the nearest dollar. The above example is for reference only.

⁵The above illustration is calculated based on a monthly flat rate of 0.32% with 48-month repayment period for Mox Instant Clear Credit Card Balance Transfer Plan (“Instant Clear”). The APR is 7.43%, and the total loan repayment amount is HKD115,360. The average monthly repayment amount and the total interest expense over the whole repayment period quoted above are rounded to the nearest dollar. The above example is for reference only.

⁶For a Instant Clear of HKD20,000 into 6 monthly instalments, the Annualised Percentage Rate (APR) is 5.34%. The APR is calculated using methods specified in relevant guidelines as set out in the Code of Banking Practice. The APR is a reference rate, which includes all applicable interest rates, fees and charges of the product, expressed as an annualised rate. The APR for an Instant Clear loan is subject to Mox’s final decision on a case-by-case basis and the Mox Credit account status at the time Mox receives the Instant Clear application. Please refer to the Instant Clear Credit Card Balance Transfer Plan Key Facts Statement for details.

Savings rates are subject to review according to changes in market conditions from time to time. Our savings base rate is not applicable to any deposits held in Time Deposit Account(s) and FlexiBoost Account(s).