Mox at a glance

We’re Mox, a virtual bank backed by Standard Chartered, in partnership with HKT, PCCW and 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 – get 5% CashBack¹ at selected CashBack Merchants and 1% Unlimited CashBack¹ everywhere else. One card covers your daily spending habits. For any spending on your Mox Card from your Mox Account, earn 0.5% Unlimited CashBack¹ everywhere else from 1 June 2021 onwards.

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 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.

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.

Split your purchases into monthly instalments³

You can split Mox Credit transactions from the moment you pay into more manageable instalments over a period of up to 36 months. As an promotional offer, it will cost you just HKD10 to split an eligible Mox Credit transaction of up to HKD2,000 over 3 months⁴. Receive an instant application decision.

Get extra cash from Instant Loan 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.

24/7 currency exchange at mid-market rate

Instant currency exchange at the Mox FX rate (the mid-market rate)⁷. 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.

¹CashBack terms and conditions apply. See also the CashBack table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

²Terms and conditions apply. In 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.

³Mox Credit terms and conditions (Part A: Split purchase) and the Split Purchase Key Facts Statement apply. Refer to legal terms and conditions for more details.

⁴HKD10 reflects the total fees and interest for the Split Purchase, inclusive of the one-off fee and all monthly fees. For a Split Purchase on a Mox Credit transaction of up to HKD2,000 into 3 monthly instalments, the Annualised Percentage Rate (APR) is 3.05% - 16.31%. This promotional offer can only be applied to one active Split Purchase at any point in time and is subject to the Bank’s final decision and your Mox Credit account status at the time the application is received. The fees on Split Purchase will be reviewed from time to time – please refer to the Split Purchase Key Facts Statement for details.

The one-off fee and each monthly instalment for a Split purchase are 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).

⁵The APR is calculated based on the guidelines as set out in the Code of Banking Practice. An APR is a reference rate which includes all applicable basic interest rates, fees and charges of a product expressed as an annualised rate.

⁶Inclusive of all fees, interests and other costs.

⁷A currency exchange fee will be charged. Please refer to our 'Fees and charges' section