Smart Saving
Why Save with Mox?
Daily interest that is simply more
0.25% p.a... Yes, that’s the savings rate you’re typically earning each month from other banks¹. Satisfied? Perhaps it is time for you to understand that Mox gives you more.
You can earn daily interest up to 0.875% p.a. savings base rate for your HKD savings deposits.
| HKD savings deposit | Tiered Interest Rate (p.a.)* |
|---|---|
| First HKD249,999.99 | 0.625% |
| HKD250,000 or above | 0.875% |
You can also enjoy up to 0.875% p.a. savings base rate for up to $300,000 USD deposits!
| USD savings deposit | Tiered Interest Rate (p.a.)* |
|---|---|
| First USD74,999.99 | 0.625% |
| USD75,000 – USD300,000 | 0.875% |
| Over USD300,000 | 0.01% |
Your other foreign currencies earn 0.01% p.a. daily interest. Deposit interest for all currencies will be calculated on a 365-day basis for both ordinary and leap years.
^Our savings base rate is not applicable to any deposits held under a customer’s Time Deposit Account(s).
*Terms and conditions apply. Foreign currencies Mox offers currently include AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD and USD.
Time Deposits made flexible
Mox is the first and only bank² in Hong Kong to give you rewards for your Time Deposit instantly, right at the moment you place it. Whether you prefer cash or Asia Miles, you can earn either of them instantly with Mox! You can place an HKD Time Deposit with just HKD 1 or a USD Time Deposit with just USD 1 and enjoy assured returns on the tenor of your choice. Mox won't charge any early withdrawal fees, giving you peace of mind and control.
*However, if you request for an early withdrawal, you won’t be entitled to any interest.
Build a saving habit by setting Goals
Good things come to those who save, and getting into the habit of saving early is life changing. Our Goal accounts let you organise your savings and track your progress in real-time. With the ability to name up to 5 Goals, you can easily focus on your key priorities and stay on top of your finances.
The money in your Mox account can be used for daily purchases and the occasional treat, leaving the money in your Goal account untouched as it builds towards your savings target.
You can move money into your Goals to save automatically for added flexibility. Just set it and forget it!