At Mox, we love making your life easy. From the Cash Rewards you’ll earn after joining, the CashBack when spending, to our daily interests. All Mox rewards are credited in real cash, no math or conversion required. Celebrate this Year of Dragon with Mox, where the path to prosperity is as easy as can be.

Open Mox Account and earn HKD228
Open Mox Account and earn HKD228

Open Mox Account and earn HKD228

Open a Mox Account with the code “MOX1028”, apply for Mox Credit and you’ll get HKD228 Cash Rewards right away.

Open an Account within minutes² and start cashing right away. What are you waiting for?

Spend HKD800 and earn HKD800!
Spend HKD800 and earn HKD800!

Spend HKD800 and earn HKD800!

From now until 31 March 2024, open a Mox Account with the code “MOX1028”, accumulate HKD800 spending in eligible transactions during your first 30 days upon Mox Credit approval to earn additional HKD800 in Cash Rewards. That’s 100% Cash Rewards, simply by spending with Mox Credit¹.

Earn with no limit! Unlimited 2% CashBack³ anywhere

From dining, shopping, travel to transportation, you can earn Unlimited 2% CashBack! Mox allows you to enjoy the freedom with no limit! Keep HKD75,000 in Mox Account to enjoy high savings rate and unlock Unlimited 2% CashBack. No cap, no categories limit! You can still earn Unlimited 1% CashBack⁴ if you’re not keeping enough with Mox.

Add money easily to your Mox Account

Earn with no limit! Unlimited 2% CashBack³ anywhere

From dining, shopping, travel to transportation, you can earn Unlimited 2% CashBack! Mox allows you to enjoy the freedom with no limit! Keep HKD75,000 in Mox Account to enjoy high savings rate and unlock Unlimited 2% CashBack. No cap, no categories limit! You can still earn Unlimited 1% CashBack⁴ if you’re not keeping enough with Mox.

Add money easily to your Mox Account

Earn Unlimited 3% CashBack⁵ on daily spending

Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
Earn Unlimited 3% CashBack⁵ on daily spending

Earn real cash on everyday essentials with no cap!

View full merchant table
View full merchant table
3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons, and Circle K and more!

View full merchant table
View full merchant table
3% CashBack⁶ at selected CashBack Merchants

From daily necessities to travel expenses, spend with Mox Credit to earn 3% CashBack at selected Cashback Merchants, including newly joined merchants such as 7-11, Mannings, Watsons, and Circle K and more!

View full merchant table
View full merchant table
Earn a total of 4.5% p.a. interest today!
Earn a total of 4.5% p.a. interest today!

Earn a total of 4.5% p.a. interest today!

Open a Mox Account in just a couple of minutes and grab 4.5% p.a. savings rate (up to HKD3,000,000 deposits)!


  • Download our Mox app anytime, anywhere.
  • All you need is your HKID, a local address and email. It’s that easy.
  • There’s no annual fee or minimum balance required.

savings rate
Base Rate 1.5%
Welcome Bonus Rate 1.5%
Bonus rate you earn when you invest and/or exchange foreign currencies with Mox 1.5%
Total 4.5%

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

Join us now to enjoy Smart Banking, Smart Saving and Smart Spending.

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

MOX1028 Invitation Code Promotion Terms and Conditions, Savings Base Rate Enhancement Scheme Terms and Conditions and Welcome Bonus Promotion (February – March 2024) Terms and Conditions apply.

Clause 9 of Schedule 1 (Terms and Conditions for Accounts and Card Management) to the General Terms and Conditions (which can be found in the Mox app and/or on our website) applies. See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

¹Our General Terms and Conditions (in particular, see Schedule 3) and the Mox Credit Key Facts Statement apply.

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 4 May 2021, earn unlimited CashBack calculated at 1% of the amount of the eligible transaction made with Mox Credit.

⁵From 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).

⁶From 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.