Frequently asked questions

Your Mox Account is the account you use for everyday transactions. You can:

• save HKD or foreign currencies;
• spend HKD from your Mox Account;
• withdraw money from an ATM from your HKD deposits in your Mox Account;
• transfer or receive HKD to or from others; and
• receive refunds in HKD (if the purchase was made from your Mox Account).

1. Log in to the Mox app
2. Go to the “Accounts” tab
3. Select your Mox Account
4. View account information including bank code, branch code and account number

It’s sad to see you go but Mox respects your decision. We really want to know why so we can keep improving ourselves.

1. Log in to the Mox app
2. Go to the side menu and select “Settings”
3. Select “Account Settings”
4. Select “Close the Mox Account” and fill in details

Currently, Mox only supports transfers in HKD. There are two ways to deposit or transfer HKD into your Mox Account:

Via the Mox app

• Log in to the Mox app.
• Select “Add Money” on home page and set up an add money rule to transfer money in from another bank.

From other banks

• using the Faster Payment System (FPS) to transfer money from any bank, free of charge, or
• setting up standing instructions from other bank accounts and regularly transferring money into your Mox Account.

You can start earning daily interest as soon as there is money in your Mox Account.

You can use your Mox Card with any JETCO ATM and Mastercard ATM networks globally to withdraw your HKD deposits in your Mox Account. Please note that, currently, you cannot make any cash withdrawals from any foreign currency deposits in your Mox Account.

For deposits held in your savings account with Mox, you’ll earn interest at the following rate:

HKD Savings Base Rate

USD Savings Base Rate

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 0.25% p.a., and the remaining HKD750,000.01 will earn a daily savings base rate of 0.5% 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.

Every day! Interest will be given to you daily, including weekends and public holidays.

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.

You can view and download all your statements in "Accounts" or "Activity":

1. Log in to the Mox app
2. Go to the “Accounts” or "Activity" at the homepage
3. Select “View statement” in the menu

You can download your statement in the app and print. If you would like to receive printed statements, please contact us in the app. A HKD50 service fee applies per copy.

Yes, you’ll receive an email notification on the day that it’s ready. Statement for a calendar month will be generated within the next month.

Goal is where you can create different saving goals. You can name, organise and customise these to help you set aside money for different reasons.

Plus, you can move money between your Mox Account and Goal(s) and still earn interest on your total deposits across those accounts (terms and conditions apply).

Currently, Goal accounts only support HKD deposits.

We know you are probably saving up for different purposes at the same time, but let’s keep it at a maximum of 5 Goals to focus on your key priorities.

Yep! You can move money from your Goal to your Mox Account, whenever you want.

Mox currently offers time deposits in Hong Kong Dollars and US dollars. Stay tuned as we are working on introducing time deposit for more currencies!

Yes! You can do so on the Mox app 24/7 even on weekends and public holidays, so you can manage your funds any day, any time you want.

The minimum and maximum principal amounts for each Time Deposit Account varies depending on the currency.

The current minimum and maximum principal amounts for each available currency are set out below:

You can maintain up to 10 Time Deposit Accounts concurrently.

Mox understands the importance of having the flexibility to move your funds, especially for rainy days. That’s why you can enjoy ‘zero’ fees if you decide to withdraw the funds in your Time Deposit Account(s) before the maturity date! However, please note that this means you would be forfeiting all the interest that would have been payable upon maturity.

FlexiBoost Account is a savings account created by Mox on your behalf when you sign up for the FlexiBoost promotion. It allows you a one-time deposit of HKD or USD funds as the Starting Balance at sign up. The FlexiBoost Account allows you to earn a step-up interest rate (i.e., FlexiBoost Rate(s)) over a certain period of time (i.e., FlexiBoost Period), as stated in the FlexiBoost promotion at sign up on the Mox app.

The FlexiBoost Account shall be closed on your behalf, (i) after the end date of your FlexiBoost Period, or (ii) after you have transferred all the deposits out of the FlexiBoost Account.

You can only have one currently active FlexiBoost Account at a time.

The savings base rate and Invest Bonus Rate are not applicable to the FlexiBoost Account.

The FlexiBoost Account balance shall be included in the Eligible Balance for Card Rewards mentioned in the Mox Card Rewards Table.

The FlexiBoost Rate(s) are the interest rates (p.a.) applied only to the HKD or USD FlexiBoost Account during your FlexiBoost Period.

Interest will be calculated:

• for HKD, based on a 365-day year basis; and

• for USD, based on a 360-day year basis.

The FlexiBoost Rate(s) are confirmed when you sign up via the Mox app and applied exclusively to the FlexiBoost Account. Savings base rate, Invest Bonus Rate and any other interest rates will not be applied to the FlexiBoost Account.

Mox FlexiBoost 1.0 Promotion Terms and Conditions apply.

Yes, you can withdraw anytime and keep enjoying the guaranteed FlexiBoost Rates on your remaining balance.

You can only withdraw money from FlexiBoost Account to certain of your other accounts with Mox. However, you cannot top-up your FlexiBoost Account.

You can find your FlexiBoost Account “activities” in the respective month’s monthly statement.

“Pending to open” means that we are creating the FlexiBoost Account for you. Your FlexiBoost promotion has not begun and the FlexiBoost Rate shall not be applied until your account status is “active”. Please refresh the Mox app again to fetch the latest FlexiBoost Account status. If the status does not update in a day, please contact customer service.

“Early closure” means that there is no more balance in your FlexiBoost Account prior to the end date of the FlexiBoost Period. For example, all deposits have been transferred out from the FlexiBoost Account prior to the end date of the FlexiBoost Period.