Earn more on your USD savings with Mox
Whether you're looking for a secure place to grow your money, waiting for opportunities, or actively seeking trading and wealth options, Mox is your top choice for a USD bank in Hong Kong.
Boost your savings! Enjoy up to 3% p.a. Bonus Rate^ on your USD savings when you invest and FX with Mox!
During October 2025, complete Eligible Transactions of Cumulative Amount at least HKD50,000(or equivalent) to maximise your returns with an additional +2.75% p.a.Bonus Rate on USD savings and +1.375% p.a. on HKD savings for that month^!
Eligible Transactions include:
- Net purchase of Funds/Core Portfolio* ; or
- Currency Exchange transaction**
*Based on the investment amount when the order is successfully submitted.
**FX amount that is sold (inclusive of any applicable fees and charges) in Hong Kong dollars.
Earn with no tier and no cap with your USD savings!
| USD savings deposit | Savings Rate (p.a.) |
|---|---|
| Savings Base Rate (as of 1 Oct 2025)¹ | 0.25% |
| Bonus Rate (for October) | +2.75% |
| Total interest rate | 3% |
| HKD savings deposit | Savings Rate (p.a.) |
|---|---|
| Savings Base Rate (as of 1 Oct 2025)¹ | 0.125% |
| Bonus Rate (for October) | +1.375% |
| Total Interest Rate | 1.5% |
^The Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 1 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Bonus Rate Requirement. You will not receive the Savings Base Rate and Bonus Rate for deposits in your Time Deposit Account(s) and FlexiBoost Account(s). Both Investment and FX exchange involve risks. Terms and Conditions apply. Please refer to the Bonus Rate Promotion (October 2025) for further details.
Frequently Asked Questions
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 | 0.125% |
USD Savings Base Rate
| USD savings deposit | Interest Rate (p.a.) |
|---|---|
| No cap, no tiers | 0.25% |
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 October 2025, complete FX order(s) and/or net purchase of Funds/Core Portfolio for eligible transactions of at least HKD50,000(or equivalent) to maximise your returns with an additional +2.75% p.a. Bonus Rate on USD savings and +1.375% p.a. on HKD savings for that month^!
Eligible transactions include:
- Net purchase of Funds/Core Portfolio*;
- Foreign Exchange transaction**
*Based on the investment amount when the order is successfully submitted.
**FX amount currency that is sold (inclusive of any applicable fees and charges) in Hong Kong dollars.
^The Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 1 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Bonus Rate Requirement.
You will not receive the savings base rate and Bonus Rate for deposits in your Time Deposit Account(s) and (if applicable) FlexiBoost Account(s). The FlexiBoost Account balance shall be included in the Eligible Balance for Card Rewards mentioned in the Mox Card Rewards Table.
Both Investment and FX exchange involve risks. Terms and Conditions apply. Please refer to the Bonus Rate Promotion (Oct 2025) Terms and Conditions for further details.
During October 2025, complete FX order(s) and/or net purchase of Funds/Core Portfolio for eligible transactions of at least HKD50,000(or equivalent) to maximise your returns with an additional +2.75% p.a. Bonus Rate on USD savings and +1.375% p.a. on HKD savings for that month^!
Eligible transactions include:
• Net purchase of Funds/Core Portfolio*;
• Foreign Exchange transaction**
*Based on the investment amount when the order is successfully submitted.
** FX amount currency that is sold (inclusive of any applicable fees and charges) in Hong Kong dollars.
^The Bonus Rate will be applied to your USD Eligible Savings Deposits and up to HKD 1 million of your HKD Eligible Savings Deposits on the next calendar day after you satisfy the Bonus Rate Requirement.
For avoidance of doubt:
• You will not receive the Bonus Rate for deposits in your Time Deposit Account(s) and FlexiBoost Account(s);
• Net Fund Transactions Amount are calculated based on the net purchase amount of fund(s) units in HKD (or equivalent) (i.e. purchase minus sell) on the day you have successfully submitted your order, excluding (i) any amount in respect of orders resulting from Rebalancing and (ii) any applicable fees and charges.
Example: you successfully submit a fund buy order of HKD50,000 on 1 October 2025 and meet the Bonus Rate Requirement and become eligible for the Bonus Rate starting from 2 October 2025.
On 3 October 2025, you successfully submit a fund sell order of HKD5,000. The Net Fund Transaction Amount will be reduced to HKD45,000. Thus you will no longer meet the Bonus Rate Requirement and will no longer be eligible for the Bonus Rate starting from 4 October 2025.
Both Investment and FX exchange involve risks. Terms and Conditions apply. Please refer to the Bonus Rate Promotion (Oct 2025) Terms and Conditions for further details.