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.
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 HKD 500,000 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.
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.
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.
³From 26 September 2023, earn unlimited CashBack calculated at 2% on the amount of the eligible transaction made with Mox Credit, if you have an eligible balance of HKD75,000 or more in your savings accounts with Mox at the time you make the relevant transaction. For the avoidance of doubt, any balances in your Time Deposit Account(s)) will not count towards your 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)).
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.