First to Hong Kong¹! Add new funds and earn your choice of rewards. Cash rewards or Asia Miles, it's up to you!

What’s the difference between saving with Mox and traditional banks? It’s choice. 😉

Not only can you save money your way, now you can also choose how you want to be rewarded.

Bring in the required amount of New Funds to your Mox Account to enjoy a high interest rate of up to 2% p.a.² paid daily. Plus, you can also bag some extra cherries on top in either the form of Cash or Asia Miles – up to HKD26,710 cash or 273,000 Asia Miles³ awaits.

The choice is all yours 😏

See below how to earn up to HKD26,710 Cash or 273,000 Asia Miles³:

HKD New Funds required (Time Deposits excluded) Asia Miles
HKD500,000 45,000 Miles
HKD1,000,000 91,000 Miles
HKD2,000,000 182,000 Miles
HKD3,000,000 273,000 Miles

Once you’ve chosen how you will treat yourself and meet the required amount for adding new funds, we’ll automatically deposit the Cash Rewards into your Mox Account post Hold Fund Period or add the Asia Miles to your Cathay Membership Account directly. So you’ll be on a spree or flight in no time!


You can also choose to earn up to 4.5% p.a. savings rate⁴ on your deposits!

Bring in the required amount of New Funds specified in the table below⁴. Keep these New Funds in your savings accounts (other than your Time Deposit Accounts) with Mox for 130 days to be rewarded with up to HKD26,710 in cash rewards.

HKD New Funds required (time deposits excluded)  Cash Reward (Effective rate on New Funds up to, inclusive of savings base rate and bonus savings rate⁴) 
HKD500,000 HKD4,450 (4.4%)
HKD1,000,000 HKD8,900 (4.4%)
HKD2,000,000 HKD17,810 (4.5%)
HKD3,000,000 HKD26,710 (4.4%)

Join the New Funds Promotion in just 3 steps!

Step 1: Open your Mox app > Tap ‘View accounts’ > ‘Accounts’ to see the New Funds campaign offer.
Step 2: Tap ‘Join now’ and bring in your selected amount of New Funds. Tap ‘Confirm’ to register.
Step 3: Keep the required amount of New Funds in your Savings Account (excluding Time Deposit Accounts) for 130 days.

That’s it! You’ll automatically receive your rewards by next calendar month end after Hold Fund Period.

Update your Mox app to the latest version now and explore the new features in the Mox app!

Interest on your savings is calculated and credited to you everyday!
Interest on your savings is calculated and credited to you everyday!

Interest on your savings is calculated and credited to you everyday!

Mox offers you a HKD savings base rate in Hong Kong up to 1% p.a., for your savings balances. Earn the higher interest you deserve everyday.

Invest with Mox and double your interest to up to 2% p.a. savings rate in total!
Invest with Mox and double your interest to up to 2% p.a. savings rate in total!

Invest with Mox and double your interest to up to 2% 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.

During the promotion period, double up your savings rate when you invest or exchange currencies via Mox! Successfully accumulate at least HKD25,000 equivalent in transactions each month to enjoy an extra savings rate of up to 1% p.a. on your savings (up to HKD3,000,000 across all Mox savings accounts, including Mox Invest Account). This means a total savings rate of up to 2% p.a.², Eligible transactions include:


  • Buy or sell Securities that are listed on the SEHK or the U.S. Exchange(s);
  • Net purchase of fund unit(s) that is not an exchange traded fund;
  • Foreign currencies exchange transactions

Based on the deposit savings rates you’re earning, you can earn:


HKD savings deposit First HKD249,999.99 HKD250,000- HKD 3,000,000
Savings Base Rate (p.a.) 0.75% 1%
Enhanced Savings Rate (p.a.) Same as base savings rate = +0.75% Same as base savings rate = +1%
Total Interest Rate (p.a) 1.5% (Double Up) 2%🏆 (Double Up)

Fund in today for a high interest rate and your choice of reward!

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

Mox'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).

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.

¹Based on the new fund savings promotion published on the websites of 27 banks in Hong Kong, as of 14 November 2024. Fixed deposit offer, Welcome offer and Payroll promotion are not included in the comparison.

²Savings Base Rate Enhancement Promotion TnC 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.

³Mox New Funds Promotion terms and conditions apply. You cannot enrol in the Promotion if any of your deposits are subject to a ‘Hold Fund Period’ under the Promotion or any other promotion offered by us. You may refer to the definition of New Funds and Reference Balance in the Definition under Terms and Conditions.

⁴This is the annualised rate of the cash reward offered if you maintain the required amount of New Funds during the Hold Fund Period of 130 days, inclusive of savings base rate and bonus savings rate. The above Interest Rates may change depending on the current market conditions. Savings Base Rate Enhancement Promotion TnC 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.

These New Fund promotion interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon New Fund promotion set up. Interest rates are subject to review according to changes in market conditions from time to time. The Bank reserves the right to change the interest rate offers at any time without prior notice. Before making the relevant transaction, please check on Mox app for the interest rate offers applicable to the transaction.

Mox Invest Terms and Conditions apply.

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 CNY, NZD or 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 and United States dollars (including CNY or EUR).

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.