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 HKD deposits held in your savings account with Mox, you can earn 1.5% p.a. savings rate, for unlimited savings balances with no strings attached.

From 1 September 2024, you can earn a total savings rate of 3% p.a. up to HKD 3 million deposits by simply investing or exchanging foreign currencies with just HKD25,000 (or equivalent in a month), which can consist of:

• 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
• Currency exchange transactions.

For USD deposits, you can earn 1.5% p.a. savings rate up to USD300,000 and 0.01% p.a. thereafter.

For other foreign currencies (AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD), you will earn 0.01% p.a. interest.

Interest for all currencies will be calculated on a 365-day basis (even in leap years).

Savings Base Rate Enhancement Scheme Terms and Conditions apply.

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. 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.

You can place a time deposit with just HKD1. The maximum principal amount varies for time deposit of different tenors, and you can find these details on the Mox app while creating a time deposit.

You can maintain up to 5 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.