All the interest, none of the conditions.

0.875% p.a.. Yes, that’s the savings rate you’re typically getting from other banks¹.

Satisfied? Perhaps it is time for you to understand that Mox gives you more.

Through this Saving Base Rate Enhancement Scheme, with our new savings rate of up to 3% p.a., for every HKD100,000, you can earn over HKD2,000 more with Mox per year, as compared to the typical savings base rate of other banks². Start saving with Mox today and earn more easily!

Unlimited 1.5% savings base rate
Guaranteed high savings rate
Earn up to 3% p.a. savings rate with Invest
A guaranteed unlimited 1.5% p.a. savings rate, no strings attached
A guaranteed unlimited 1.5% p.a. savings rate, no strings attached

A guaranteed unlimited 1.5% p.a. savings rate, no strings attached

From 1 Feb 2024, Mox offers you a guaranteed HKD savings base rate in Hong Kong at 1.5% p.a., for unlimited savings balances with no strings attached³. Earn the higher interest you deserve.

Invest with Mox and start enjoying 3% p.a. savings rate in total!
Invest with Mox and start enjoying 3% p.a. savings rate in total!

Invest with Mox and start enjoying 3% p.a. savings rate in total!

Mox Invest is a game-changer for investment. With our low fees, you can buy or sell stocks in HK and US markets (including fractional shares) and invest in an exclusive yield enhancement fund.

You can earn a total savings rate of 3% p.a. up to HKD 3 million⁴ deposit (for deposits in your savings accounts, including Mox Invest Account) by simply investing and/or exchanging foreign currencies at Mox with just HKD10,000 (or equivalent) in a month, which can consist of:


  • Buy and sell transactions for HK or US stocks, including fractional shares;
  • The net purchase amount of funds in HKD, which is the total amount purchased minus the amount sold;
  • Currency exchange transactions.

This is our new way for you to earn extra interest on your savings, so that you are always getting the best out of your cash.

Welcome to sweeter savings with 1.5% bonus for new Mox customers⁵
Welcome to sweeter savings with 1.5% bonus for new Mox customers⁵

Welcome to sweeter savings with 1.5% bonus for new Mox customers⁵

You’re always welcome at Mox, and as a new customer, you can earn an additional 1.5% with our Welcome Bonus rate. All you have to do is open a Mox Account on or before 31 March 2024, add money and you can enjoy a 1.5% p.a. bonus savings rate on next-day deposits up to HKD3,000,000.

Earn a total of 4.5% p.a. interest today!
Earn a total of 4.5% p.a. interest today!

Earn a total of 4.5% p.a. interest today!

Open a Mox Account in just a couple of minutes and grab 4.5% p.a. savings rate (up to HKD3,000,000 deposits)!


  • Download our Mox app anytime, anywhere.
  • All you need is your HKID, a local address and email. It’s that easy.
  • There’s no annual fee or minimum balance required.

savings rate
Base Rate 1.5%
Welcome Bonus Rate 1.5%
Bonus rate you earn when you invest and/or exchange foreign currencies with Mox 1.5%
Total 4.5%

Simply add money and watch it grow today. Check out how much you can earn with Mox:

Savings calculator

How much can you save? We’ll help you calculate!*

Frequency
Contribution amount
After 1 year, you will save
0.00 HKD
Total contribution
0.00 HKD
Earned interest
0.00 HKD
*Interest calculated is for HKD deposits only. This is indicative and may be different from actual payment.

Frequently Asked Questions

How is the Cumulative Amount calculated?
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To qualify for the additional savings rate, you need to make total aggregate transaction amount with at least HKD10,000 equivalent during the promotion period.

A successful example of meeting the investment mission requirement:


Investment activities Calculated Amount
Buy US Stock in an equivalent amount of HKD2,000 HKD2,000
Buy HK Stock in an equivalent amount of HKD3,000 HKD3,000
Buy Fund of HKD6,000; and sell HKD3,000 on another day HKD3,000
Sell HKD2,000 to exchange USD HKD2,000
Sell USD 100 to exchange HKD HKD783.31*
Total aggregate transaction amount HKD10,783.31

*Based on Mox FX rates as of 29 Jan, 23:11.

How will I know if I have met the necessary requirement?
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You can always check your progress in the Mox app. Once you meet the trading requirement, you’ll be rewarded with the additional saving rate automatically!

¹Based on the savings base rates published on the websites of a total of 27 retail banks in Hong Kong, including 7 virtual banks and 20 incumbent banks, as of 16 February 2024. Promotional rates are not included in the comparison.

²Calculated as the difference in interests that can be earned on HKD100,000 HKD savings deposits at 0.875% p.a. and 3% p.a. for a year.

³Mox's General Terms and Conditions and all schedules thereto apply. Please refer to the ‘legal documents’ section of our website. Our savings base rate is not applicable to any deposits held under a customer’s Time Deposit Account(s).

Savings Base Rate Enhancement Scheme Terms and Conditions apply. If the requirement is completed on the last day of the calendar month, you will not be credited any additional savings rate the next calendar day. Please see terms and conditions for details.

Welcome Bonus Promotion (February – March 2024) Terms and Conditions apply.

Mox Bank Limited is a SFC Registered Institution (CE number: BNO808)