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

Going forward, you can earn a HKD savings rate of up to 2% p.a. All you need to do is invest / exchange foreign currencies of just HKD25,000 (or equivalent) in a month with Mox, and you can double your savings rate up to 2% p.a (includes the savings base rate of up to 1% p.a. on HKD deposit of HKD250,000 or above and the Enhanced Savings Rate of up to 1% p.a.). Eligible transactions include:

• Buy and sell transactions for HK or US stocks, including fractional shares
• The net purchase amount of funds, which is the total amount purchased minus the amount sold
• FX transactions.

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,

Savings Base Rate Enhancement Scheme Terms and Conditions apply.

For example, if your savings at Mox is HKD1,000,000, your first HKD249,999.99 will earn a daily savings base rate of 0.75% p.a., and the remaining HKD750,000.01 will earn a daily savings base rate of 1% p.a.

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

The Transaction Amount is calculated as follows:

• For Stock Transactions, the executed ‘order amount’ in HKD (or equivalent) of buying or selling transactions of Hong Kong stocks or U.S. stocks.
• For Net Fund Transactions, the net purchase of fund units, i.e. the total executed ‘investment amount’ in HKD (or equivalent) of all purchases of fund units minus the that of all executed sell orders of fund units.
• For FX Transactions, the amount of currency in HKD (or equivalent) that is sold.

You can track your progress each month by pressing the gift box icon on the Home Page in the Mox app.

For details, please see clause 5 in Savings Base Rate Enhancement Scheme Terms and Conditions.

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.