Mission Bonus Rate

Unlock extra savings with Mission Bonus Rate🚀

Your money’s bored. Let’s fix that. Introducing Mission Bonus Rate – Smash 4 easy missions and stack up to 3.5% p.a. on your HKD or USD Eligible Savings Deposits. The more missions you complete, the more you earn, all before the month resets.

Mix. Match. Max. 

From now until 30 December 2025, complete any (or all!) of the missions below and earn extra interest on your Eligible Savings Deposits – up to a total of 3.5% p.a.:

Payroll mission: Set your Mox Account as your payroll account and receive HKD25,000 or more Eligible Payroll Transactions¹ from 1 November 2025 to 30 December 2025
Invest mission: Complete stock transaction(s) of at least HKD25,000 (or equivalent) using Mox Invest
FX mission: Exchange FX of at least HKD25,000 or equivalent ( based on the amount of currency sold)
Deposit mission: Add at least HKD25,000 to Deposit Mission Eligible Balance² above your Previous Month Average Savings Balance³

Mission	Eligible Savings Deposit (HKD/USD)⁴
Payroll	1.5% p.a.
Invest	1.2% p.a.
FX	0.5% p.a.
Deposit	0.299% p.a.
Savings Base Rate⁵	0.001% p.a.
Total	3.50% p.a.

The Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 1 million of your HKD Eligible Savings Deposits as at 23:59:59 (Hong Kong time). For the Payroll Mission, Invest Mission and FX Mission, the Bonus Rate will be applied on and from the day following the Completion Day for the Mission until the last day of the Promotion Period, and for the Deposit Mission, on the day following the Completion Day for the Deposit Mission. You will not receive the Savings Base Rate and Mission Bonus Rate for deposits in your Time Deposit Account(s), FlexiBoost Account(s) and all ‘cash on hold’ in your Mox Invest Account originating from unsettled proceeds from the sale of Funds or Securities. Both Investment and FX exchange involve risks. Terms and Conditions apply. Please refer to the Mission Bonus Rate Promotion (December 2025) for further details.

Supercharge your savings now – on your terms

Flexibility at its best: Pick any of the 4 in-app missions that fit your vibe – no rigid rules.
Do more, earn more: Stack missions to max out your returns and watch your savings grow faster.
HKD? USD? Both work: Enjoy the perks on both your HKD and USD savings accounts.
Time-limited rewards: Your bonus rates kick in instantly and last through the end of the month perfect for quick wins!

Ready to embark on your savings mission? Login to the Mox app now, check out the available missions, and start earning those bonus rates today!

Frequently Asked Questions

What is the interest rate that applies to deposits in my Mox Account?

For deposits held in your savings account with Mox, you’ll earn interest at the following rate:

HKD Savings Base Rate:

HKD Savings Deposit	Interest Rate (p.a.)
No cap, no tiers	0.001%

USD Savings Base Rate:

USD Savings Deposit	Interest Rate (p.a.)*
No cap, no tiers	0.001%

For other foreign currencies (AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD), you will earn 0.01% p.a. interest.

Interest will be calculated:

for HKD, GBP and SGD, based on a 365-day year basis; and
for all other currencies, based on a 360-day year basis,

During 1-30 December 2025, complete a ‘Mission’ on a day (the day on which you complete a Mission, the “Completion Day” for that Mission), you will receive additional daily interest on (a) all your USD Eligible Savings Deposits and (b) up to HKD1,000,000 of your HKD Eligible Savings Deposits, calculated at the applicable bonus rate(s) (“Additional Interest”) as follows:

	Mission	Bonus rate
1	Payroll Mission*	1.50% p.a.
2	Invest Mission*	1.20% p.a.
3	FX Mission*	0.50% p.a.
4	Deposit Mission*	0.299% p.a

The applicable bonus rate will be applied on your Eligible Savings Deposit^ as at 23:59:59 (Hong Kong time):

(a) for the Payroll Mission, Invest Mission and FX Mission, on and from the day following the Completion Day for the Mission until the last day of the Promotion Period; and

(b) for the Deposit Mission, on the day following the Completion Day for the Deposit Mission.

^Eligible Savings Deposits means in respect of a eligible currency, the deposits in that currency held by you in all your savings account with Mox, excluding deposits held in your Time Deposit Account(s), FlexiBoost Account and all ‘cash on hold’ in your Mox Invest Account originating from unsettled proceeds from the sale of Funds or Securities.

*Please refer to the Mission bonus rate promotion (December 2025) terms and conditions for further details.

Both Investment and FX exchange involve risks. Terms and conditions apply.

What is Mission Bonus Rate?

	Mission	Bonus rate
1	Payroll Mission*	1.50% p.a.
2	Invest Mission*	1.20% p.a.
3	FX Mission*	0.50% p.a.
4	Deposit Mission*	0.299% p.a.

The applicable bonus rate will be applied on your Eligible Savings Deposit^ as at 23:59:59 (Hong Kong time):

(a) for the Payroll Mission, Invest Mission and FX Mission, on and from the day following the Completion Day for the Mission until the last day of the Promotion Period; and

(b) for the Deposit Mission, on the day following the Completion Day for the Deposit Mission.

*Please refer to the Mission bonus rate promotion (December 2025) terms and conditions for further details.

Both Investment and FX exchange involve risks. Terms and conditions apply.

¹Eligible Payroll Transaction means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’.

²Deposit Mission Eligible Balance means the deposits held in all your savings accounts with Mox, excluding (i) deposits held in your Time Deposit Account(s), (ii) deposits held in your FlexiBoost Account and (iii) all ‘cash on hold’ in your Mox Invest Account originating from unsettled proceeds from the sale of Funds or Securities. If, on a day, any part of your Deposit Mission Eligible Balance is denominated in a currency other than Hong Kong dollars, the relevant amount in that other currency will be converted to Hong Kong dollars based on the exchange rate applicable on that day. The Deposit Mission Eligible Balance for the current calendar day is displayed in your Mox app, and will be based on the records held by us which are final and conclusive.

³Previous Month Average Savings Balance means the average of the Deposit Mission Eligible Balance as at 23:59:59 (Hong Kong time) of each day, in the calendar month before the Promotion Period.

⁴Eligible Savings Deposits means in respect of a eligible currency, the deposits in that currency held by you in all your savings account with Mox, excluding deposits held in your Time Deposit Account(s), FlexiBoost Account and all ‘cash on hold’ in your Mox Invest Account originating from unsettled proceeds from the sale of Funds or Securities.

⁵Savings base rate as at 1 December 2025. Savings rates are subject to review according to changes in market conditions from time to time. Mox's General Terms and Conditions and all schedules thereto apply. Please refer to the ‘legal documents’ section of our website.

You will not receive the savings base rate and Mission Bonus Rate for deposits in your Time Deposit Account(s) and FlexiBoost Account(s).

Please refer to the Mission Bonus Rate Promotion (Dec 2025) Terms and Conditions for further details. For clarity, it is not possible to receive additional interest if you satisfy the requirement on the last day of the calendar month.

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.

Important Notes:

Investment involves risks. The prices of securities (including any investment funds units constituting a portfolio) fluctuate, sometimes dramatically, and the worst case may result in loss of your entire investment amount. The performance and return of any investments are not guaranteed.

Past performance is not indicative of future performance. You should refer to the offering documentation of the product(s) for detailed information (including risk factors) prior to investing in the product(s).

Crypto and Crypto-related products are highly complex products that carry a significant level of risk and may not be suitable for all investors.

Derivatives products are different from conventional investments and may involve different risks. Derivatives products may not be suitable for all investors.

You should consider your own investment objectives, investment experience, financial situation, and risk tolerance level and carefully read the Mox Invest Terms and Conditions (including relevant risk disclosures) before making any investment decision.

If you have any queries on the nature and risks involved in the information displayed on this document and the relevant product(s) and services, you should seek advice from independent advisers, such as legal, tax, financial and accounting advisers.

The information contained in this document is intended for Hong Kong residents only and should not be construed as a distribution, an offer to sell, or a solicitation to buy any security in any jurisdiction where such activities would be unlawful pursuant to the laws of such jurisdiction. If you are outside of Hong Kong, we may not be authorised to offer or provide you with the products and services in the country or region you are located or resident in.

The document does not constitute investment advice nor any offer, solicitation, recommendation or guarantee in respect of, or for the purpose of, the sale of any investment products or services.

The contents of this document have been prepared without regard to the investment objectives, investment experience, financial situation, and risk tolerance level of any particular person or entity.

This document provides summary level information only in respect of investments. Please refer to the Mox Invest Terms and Conditions (including relevant risk disclosures) for more details of our services as well as the offering documents for the nature and risks of the relevant products.

This document is issued by Mox Bank Limited. The contents of this document have not been reviewed by the Securities and Futures Commission of Hong Kong.

Mox Bank Limited is an authorized financial institution registered under the Securities and Futures Ordinance (CE number: BNO808).

Important Disclaimer for Currency Exchange Transaction(s) (FX Transaction(s)) :

If you exchange your money for JPY, you must exchange these currencies into Hong Kong dollars before you can transfer the proceeds out of your account.

We do not offer local transfers of any currency other than Hong Kong dollars, United States dollars and Renminbi.

Currency exchange involves risks. You may incur losses arising as a result of carrying out currency exchanges on the Mox app (including as a result of exchange rate fluctuations). You acknowledge that you carry out currency conversions on the Mox app entirely for your own account and at your own risk.