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First in Hong Kong¹! Earn up to 3.65% p.a. time deposit interests instantly!

Mox is the only bank in Hong Kong to pay interest the exact moment of your deposit, giving you greater flexibility and convenience than any other bank. We’ve reimagined our Time Deposit feature to make your life just that little bit easier. Simply fund in and earn more straight away. That’s cash in hand you can choose to spend immediately, or save and earn even more - it’s all up to you!

The flexibility to match your needs
The flexibility to match your needs

The flexibility to match your needs

With Mox, you can place HKD or USD Time Deposits 24/7 and starting from HKD1 or USD 1, giving you all the flexibility you need. Interests are even credited right away(for 1-12 months tenor)! Place a Time Deposit with New Funds to enjoy the following competitive interest rates² on both HKD and USD Time Deposits.



  • USD Time Deposit
Tenor Preferential interest rate (p.a.)
1-month 3.6%
2-month 3.65%
3-month 3.6%
6-month 3.45%
12-month 3.35%


  • HKD Time Deposit
Tenor Preferential interest rate (p.a.)
3-month 2.3%
6-month 2.35%
12-month 2.2%
36-month 2.8%
48-month 2.8%

Upfront interest for 1-12 months tenor only. Interest will be paid on maturity date for 36-48 months tenor.

*Please note: you must go to App Store/Google Play Store and update your Mox app to the latest version (2.4.0), in order to see this feature within your Mox app.

Save with Mox today!

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.

¹The 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.

²These Time Deposit interest rates are subject to the rates quoted by the Bank from time to time. The actual interest rate will be confirmed upon time deposit 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. Please note that if you request for an early withdrawal, the upfront interest will be deducted from the time deposit principal amount.