Invite more, earn more

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

Due to overwhelming response, the quota has been filled and “1200MOX” offer will end on 26 August, 2025. Thank you for your support!

Share your Referral Code and if your friend uses your Referral Code from now until 9 October 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 HKD1,000²✨. 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 9 October 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 HKD1,000 upon successfully joining Mox⁴ and completing the Spending Requirement. Simply:

1. Open a Mox Account using your friend’s Referral Code from now until 9 October 2025 and complete the account opening process within the following 15 days from the day you use the Referral Code
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 HKD2,000 spending requirement on your Mox Credit Card to get HKD1,000 cash reward during the 60-day period following your Joining Day

Prefer to spend with debit? Complete HKD2,000 spending requirement and get a HKD300 cash reward

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

What would be the Eligible Referral Transactions?

"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’.

When could I start counting the spending period?

Referee can meet the Spending Requirement during the period beginning on and from their Joining Day and the following 60 days.

Where could I check my eligible spending progress as a referee?

Open your Mox app > tap “Mox Rewards” > tap Welcome rewards under “My Progress” and review

Why do I spend on last day but doesn’t count eligible as a referee?

Eligible referral transactions must have been settled by the merchant (i.e. appear as “completed” in the Mox app) from referee Joining Date and the following 60 days. We will deposit into your Mox Account upon settlement of the last Eligible Transaction that you have made to satisfy the Spending Requirement.

When will I get the reward?

Referrer rewards: 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.

Referee rewards: We will deposit into your Mox Account upon settlement of the last Eligible Transaction that you have made to satisfy the Spending Requirement.

Which account should be received the reward?

We will deposit into your Mox Account.

What is my friend’s (referee) spending status?

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.

If you would like to know the exact spending status, you may have to contact the referee for details.

Could I enjoy the rewards if the referee had a closed account before?

To get the rewards as a referrer, the referee should have never held a Mox Account in their name, at any time. The Referee is considered to have held a Mox Account even if they haven’t completed any transactions on their previous Mox Account.

As the referee, to enjoy the rewards, you have not held a Mox Account in your name, at any time, in the 12 months prior to your Joining Day. For example, you have closed the account at 31 Aug 2024. You could only enjoy the welcome offer with your account opened on/after 1 Sep 2025.

Why am I eligible for the reward but referee is not?

The rewards for referrer and referee are governed by separate T&Cs. Therefore, the eligibility should be different. You may refer to ‘Mox Referral Programme 21 Terms and Conditions’ for the referrer’s reward.

For referee, you may refer to ‘“MOXISFIVE” Invitation Code Promotion Terms and Conditions’.

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.

“MOXISFIVE” 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“MOXISFIVE” 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.