Invite more, earn more

Experience a brand new referral programme! Mox have made things even simpler, helping you earn rewards more easily💰

Share your Referral Code and if your friend uses your Referral Code from now until 3 September 2025, opens a Mox Account and completes their first eligible transaction¹, you can earn HKD300!

No complicated tasks required - just a few easy steps to earn your cash rewards! Meanwhile, your friend can enjoy their Mox perks of up to HKD1,200²✨. Friendship pays off!

💳Open account + Complete first eligible transaction: Earn rewards with your friend now!

As a Referrer:

The more friends you successfully refer, the more rewards you’ll get -- Earn HKD300 per successful referral!

To earn rewards, simply ask your friend³ to:
1. Use your Referral Code from now until 3 September 2025
2. Open a Mox Account during the 15-day period following the day they use your Referral Code
3. Complete their first Mox Card or Mox Credit Card eligible transaction¹ during the 60-day period following their Joining Day

You will receive your cash reward in your Mox Account within 60 days after your friend completes their first eligible transaction on their Mox Card or Mox Credit Card.

As a Referee:

You will receive up to HKD1,200 upon successfully joining Mox⁴ and completing the Spending Requirement. Simply:

1. Open a Mox Account using your friend’s Referral Code from now until 3 September 2025
2. Apply for Mox Credit and receive approval during the 30-day period following the day you use your friend’s Referral Code
3. Complete eligible transaction¹ of HKD2,000 on your Mox Card or Mox Credit Card to earn the Spending Reward during the 60-day period following your Joining Day

Click here for more promotion details.

Any e-payments and e-wallet top-ups from Alipay or WeChat Pay, will not count towards meeting of the Spending Requirement.

👥Refer your friends with ease

Open your Mox app > tap on the upper left corner on the homepage to open the side menu > tap ‘Invite friends’

Copy and share your unique Referral Code with your friends

Why Mox?

Enjoy unlimited CashBack⁵

First in Hong Kong⁶– earn interest instantly with time deposits

Open an account in a few minutes via Mox app, brings all your day-to-day banking needs in one app

Don’t miss out — Share your invitation code now. Your next reward is one invite away! 🎉

Frequently Asked Questions

Where can I find how many referrals I have made using my Referral Code and successfully onboard?

Open your Mox app > tap on the upper left corner on the homepage to open the side menu > tap “Invite friends” > View under “Your progress” for your successful referrals

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

Mox do not sponsor or endorse third-party individuals offering cash rebates or other incentives not mentioned in our program terms. Such offers are not affiliated with our bank, and we are not responsible for their content or legitimacy. Please review our referral program terms and conditions carefully before participating.

Mox Referral Programme 21 Terms and Conditions apply.

“1200MOX” Invitation Code Promotion Terms and Conditions apply.

¹"Eligible Referral Transaction” means a transaction for the purchase of goods or services, as we determine, from time to time, to be eligible to contribute to the satisfaction of the requirement in clause 5(d) of the ‘Mox Referral Programme 21 Terms and Conditions’. For a transaction to be an ‘Eligible Referral Transaction’: (i) the transaction must have been processed through the Mastercard network; and (ii) the transaction must have been settled by the merchant (i.e. appear as ‘completed’ in the Mox app) by the end of the period specified in clause 5(d) of the ‘Mox Referral Programme 21 Terms and Conditions’.

²“1200MOX” Invitation Code Promotion Terms and Conditions apply.

³You can enjoy the cash reward only if your friends (the Referee) has never held a Mox Account in their name, at any time.

⁴Referee has not held a Mox Account in their name, at any time, in the 12 months prior to their Joining Day.

⁵Please refer to the Rewards for Cards Schedule for further details. From 4 November 2024, if you have an Eligible Balance for Card Rewards of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 2% CashBack on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance for Card Rewards of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 1% CashBack on the amount of eligible Mox Credit Card transaction. “Eligible Balance for Card Rewards” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance for Card Rewards’.

⁶The 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.