Smart Saving

Why Save with Mox?

Daily interest
Daily interest

Daily interest

Earn a top-of-town¹ 1.5% p.a. savings base rate for your HKD savings deposits – no conditions, no limits. You can also enjoy 1.5% p.a. for USD deposits up to USD300,000, and 0.01% p.a. thereafter. 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.

*Terms and conditions apply. Foreign currencies Mox offers currently include AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD and USD.

Time Deposits made flexible

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 time deposits 24/7 starting at HKD1 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
Build a saving habit by setting Goals

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!

Savings calculator

How much can you save? We’ll help you calculate!*

Frequency
Contribution amount
After 1 year, you will save
0.00 HKD
Total contribution
0.00 HKD
Earned interest
0.00 HKD
*Interest calculated is for HKD deposits only. This is indicative and may be different from actual payment.
Worldwide money transfers anytime
Worldwide money transfers anytime

Worldwide money transfers anytime

Thanks to Express Remit, powered by Wise, distance no longer exists. You can send money around the world 24/7 from the comfort of your couch. Done within just a few clicks, delivered in seconds. Enjoy peace of mind every step of the way by tracking your payment with the Mox app. Once your transfer is complete, we’ll let you know.

The best part? Our rates are competitive compared to traditional banks. All fees are transparent and clearly shown beforehand with a breakdown of every charge, updated instantly based on your personal preferences on the app.

Start Smart Saving with Mox now and make you deposit earn more easily!

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.

¹Our savings base rate, is compared against the savings base rates published on the websites of a total of 27 retail banks in Hong Kong, including 7 virtual banks and 20 incumbent banks, as of 16 January 2024. Promotional rates are not included in the comparison.

²The description of “first-to-market” is based on a comparison of other Time Deposit products that are publicly offered by 25 major banks in Hong Kong as of 20 November 2023.