Have a look at the new way of banking | Mox at a glance

Mox at a glance

We’re Mox, a digital bank backed by Standard Chartered, in partnership with HKT, PCCW and Trip.com. Our mission is to help everyone in Hong Kong grow – your money, your world, your possibilities.

Join Generation Mox  now to enjoy Smart Banking, Smart Saving and Smart Spending.

The highlights

Open an account in minutes for free

Simply download our app and you can open an account for free, anytime, anywhere. All you need is a HKID, plus a residential and mailing address in Hong Kong.

Grow your savings your preferred way

Set up your saving Goals for your HKD deposits, name them as you like and track your progress in real time. Use the Savings Calculator to automate your saving habits.  

Every day is interest earning day 

Get closer to the Goals you're saving for with daily interest on all your money with Mox, no matter how small.

Real cash with Mox CashBack

Make the most of Mox Credit — earn up to 2% Unlimited CashBack³𝄒⁶ on any spending; 3% Unlimited CashBack⁴ at major supermarkets in Hong Kong! What’s more? You can earn 3% CashBack⁵ at selected CashBack Merchants as well.

Mox Credit covers your everyday spendings! For any spending on your Mox Card from your Mox Account, earn 0.5% Unlimited CashBack⁶ everywhere else from 1 June 2021 onwards.

Grow your savings flexibly with Time Deposits

Place Time Deposits 24/7 with as low as HKD1, to enjoy assured returns on the tenor of your choice. Have a sudden need for funds? Mox won’t charge any early withdrawal fees¹², maximising the flexibility of managing your wealth.

Earn as you spend

Mox CashBack is real cash, not reward points. It’s credited to your account daily and will earn you daily interest, growing your money even as you spend.

Enjoy the  Mox  Card, the only card you need  

One card for all purchases and cash withdrawal. Numberless, no expiry date or CVV on the physical card, reducing your risk of losing personal information. And no need to call a number to activate. Just hold your Mox Card near to the back of your phone and set your PIN.  

Insights for better budgeting

Monitor real-time account activity and balance with instant categorisation. 

Safety first 

Get instant notifications and 24/7 monitoring of all transactions. Strong encryption, biometric login, Lost Wallet and E-Commerce Fraud Protection – all to protect your account, transactions and personal information.

Your money protected 

Mox is a member of the Deposit Protection Scheme in Hong Kong. Your eligible deposits here are protected by the Scheme up to a limit of HKD800,000 per depositor.

Customer Service – your way, the VIP way

We are with you whenever and wherever you need us. Reach us directly in the app using voice call or use the in-app chat. It's up to you. 

Move money on the go

Pay and receive money from anyone, anytime in Hong Kong. Invite your friends to use Mox together to split bills easily.

Add to your digital wallet

Simply add Mox Card to  Apple Pay and Google Pay to start spending immediately. It's that easy!

Instant application decision. No annual fee.

Apply for Mox Credit² and get an application decision in real-time, and once approved, start spending right away! There’s no annual fee and minimum spend requirements.

Paying bills made easy

Easily make payments to more than 900 organisations from your Mox Account, Goal accounts or Mox Credit with our Bill Payment function.

Enjoy the best of both worlds

Flip between how you spend, with Mox Credit or from your Mox Account (debit), on the same Mox Card anytime you wish. With just one tap you can enjoy the best of both worlds with more freedom and flexibility.

Transfer easily and flexibly with Mox Credit

You can make FPS payments with Mox Credit and choose to pay the amount now or later with up to 56 days interest free. Whatever you might be using FPS for, whether it’s transferring money to friends, paying rent, or purchasing goods, enjoy greater flexibility and more control over your cash flow.

Split your purchases into monthly instalments⁷

You can split Mox Credit transactions into more manageable instalments over a period of up to 60 months. Choose to split your transaction from the moment it is settled to the cut-off date of your next statement in just a few taps, and you will receive an instant application decision.

Split Your Statement Balance into smaller repayments

Split your statement balance⁸ of HKD2,000 or above once the statement is released, and any time until 3 days before the payment due date to enjoy greater flexibility.

Get extra cash from Instant Loan⁹ anytime

You can apply for Instant Loan from Mox Credit, 24/7 all within your Mox app. No additional documents required and you can get an instant decision. Choose to repay over 3 to 60 months.

Clear external credit card bills effortlessly with Instant Clear

You can transfer credit card bills you have with other banks or financial institutions to Mox using Instant Clear, and repay in easy instalments up to 60 months with an APR as low as 5.34%¹⁰. No additional documents required and you can get an instant decision.

24/7 currency exchange at mid-market rate

Instant currency exchange at the Mox FX rate (the mid-market rate)¹¹. Fair and transparent – you get exactly what you see.

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

*Mox is a licensed bank in Hong Kong under the name of Mox Bank Limited, a subsidiary of Standard Chartered Bank (Hong Kong) Limited.

Please note that the Mox app screens and features stated here are subject to our legal terms and conditions and to change. The Mox app available for download and use may be different to the version described here.

¹General Terms and Conditions (in particular, see clause 9 of Schedule 1) apply and visit Mox CashBack Table for more details.

²In some circumstances, we may require you to provide supporting documents by a simple submission process when you apply for Mox Credit. The approval time for Mox Credit is subject to a customer’s individual circumstances.

³The Rewards for Cards Schedule applies (which can be found in the Mox app and/or on our website). From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. From 4 November 2024, if you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction. “Eligible Balance” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance’.

⁴From 26 September 2023, earn unlimited CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit made at ‘supermarkets and grocery stores’, as classified by MasterCard Asia/Pacific (Hong Kong) Limited).

⁵From 1 January to 31 December 2024, earn CashBack calculated at 3% on the amount of the eligible transaction made with Mox Credit at selected CashBack Merchants, up to HKD1,800.

⁶From 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit; from 1 June 2021, earn unlimited CashBack calculated at 0.5% on the amount of the eligible transaction on your Mox Card linked to your Mox Account.

⁷General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3) and the Split Purchase Key Facts Statement apply. Refer to legal terms and conditions for more details. The fees for Split Purchase will be reviewed from time to time. Each monthly instalment for a Split Purchase is charged to Mox Credit and will show on your Mox Credit statement. Please pay your Mox Credit statement balance in full on or before its due date to avoid finance charges (interest).

⁸Only certain types of Mox Credit transactions and amounts of Mox Credit statement balances are eligible for Split Purchase, as determined by us in our absolute discretion. The examples of transactions and amounts of Mox Credit statement balances that are ineligible for Split Purchase are listed in General Terms and Conditions (in particular, see Part A: Split Purchase of Schedule 3 – clause 8(d)).

⁹General terms and conditions (in particular, Part B ‘Instant Loan of Schedule 3 ) and the Instant Loan Key Facts Statement apply. Details are available in the ‘Legal documents’ section of our website. 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 Loan is subject to Mox’s final decision on a case-by-case basis and the Mox

¹⁰For 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.

¹¹A currency exchange fee will be charged. Please refer to our 'Fees and charges' section

¹²However, if you request for an early withdrawal, you won’t be entitled to any interest.