Earn up to HKD1,400 Cash Reward as you spend and save with MOXREWARDS!

Mox values what you care about and provides you with real rewards: from welcome cash rewards to daily savings interests to unlimited CashBack in real cash. Bank with Mox to enjoy rewarding everyday!

Welcome to Mox Spend Reward

From now until 30 September 2023, simply open a Mox Account with the invitation code "MOXREWARDS", apply for Mox Credit, and then spend HKD800 with Mox Credit on eligible transaction(s) within 30 days of your Mox Credit approval day to earn HKD800 Cash Rewards!

All Cash Rewards are in real cash, not points. Mox really rewards you!

Deposits Flash Offer: Up to 7.3%¹ p.a. savings rate awaits!

Deposits Flash Offer: Up to 7.3%¹ p.a. savings rate awaits!

New customers who apply for Mox account with the invitation code "MOXREWARDS" during 7 August to 30 September 2023, maintain at least HKD50,000 HKD Savings Account Balance for 60 days starting from the 7th day after Joining Day, and you’ll be rewarded with an extra HKD600 Cash Reward! The Cash Reward will be deposited into your Mox Account on or before 31 January 2024.

CashBack is in real cash, not points

Earn while you spend! Enjoy 1% Unlimited CashBack² with Mox Credit everywhere. Make the most of your Mox Credit to cover all your daily spendings. Shop with our CashBack Merchants with Mox Credit² and earn up to 3% CashBack! Check out our CashBack Merchants below.

Learn more about Mox Credit

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The Best Rate In Town: Earn Up to 10.8% p.a.!

The Best Rate In Town: Earn Up to 10.8% p.a.!

Open a Mox Account successfully between 1 August and 30 September, 2023, and register Mox as your default FPS bank within the first 60 days to earn a Welcome Bonus of 3.2% p.a. from the next day. With our Deposits Flash Offer and base rate, you can enjoy a top-of-the-town savings rate³ of up to 10.8% p.a.!

No fees! Open an account and use it right away

No fees! Open an account and use it right away

Download our Mox app to open an account and apply for Mox Credit anytime, anywhere, with no fee. All you need to do is provide your HKID, plus a residential and mailing address in Hong Kong. After you have successfully opened a Mox Account and have applied for Mox Credit, you can add Mox Credit to Apple Pay and Google Pay to start spending immediately. It’s just that easy!

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.

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

MOXREWARDS Invitation Code Promotion Terms and Conditions and MOXREWARDS Invitation Code Promotion–Deposits Flash Offer Terms and Conditions apply.

Welcome Bonus Promotion (August - September 2023) and Mox Bonus Promotion (August - September 2023) terms and conditions apply.

¹This is the annualised rate of the cash reward offered if you maintain the required HKD50,000 in the 60-day Hold Fund Period.

²From 4 May 2021, earn 1% Unlimited CashBack when spending with Mox Credit on eligible transactions. General Terms and Conditions apply (in particular, see clause 8 of Schedule 1 to the General Terms and Conditions). See also the Mox CashBack Table in the ‘Legal documents’ section of our website for specific details of our current CashBack offers.

³Compared against 27 banks in Hong Kong on their savings rate for deposit amount below HKD50,000 as published on official website as of 14 August 2023.