Transfer now, repay later: the first HKD80,000 per month with no fees via Mox Credit

From now on till 31 January 2023, whenever you need to make a transfer with Mox Credit, you can do it with no handling fees for the first HKD80,000 per month! After that, for transfers exceeding HKD80,000, all you need to pay is a promotion 1% handling fee, bringing you greater flexibility when paying regular expenses. The transfer limit will then reset each month.

Transfer now, repay later

From transferring money to friends or family, to setting up designated payees to pay rent, tuition fees, miscellaneous expenses, or purchasing different goods and services, you can settle any payment right away with Mox Credit. It can be done via FPS or the bank transfer function in the Mox app. When you do so, you can enjoy an interest free period of up to 56 days.

Make your daily life smoother by setting up recurring payments, so you won’t have to worry about missing a deadline.


I have already reached my Mox Credit limit (i.e. more than the December promotion’s monthly limit) by making transfers in November, and have yet to settle the payments. Will I be charged the Excess Fund Transfer Handling Fee in this case?
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The transfers that are made / completed on or before 30 November 2022 using Mox Credit are still eligible for the December - January campaign and you won’t be charged the Excess Fund Transfer Handling Fee for the transfers made. The new limit that is stated in the campaign will be the only one in effect, including those transfers that use Mox Credit as debit source from 1 December 2022 onwards. And either the regular or promotion limit will reset on every 1st of the calendar month.

Can you explain how I would get charged by giving me an example?
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During 1 December to 31 January 2023, the specified monthly threshold has been increased to HKD80,000 and the promotional handling fee of 1% would apply to the transfer amount that exceeds this specified monthly threshold (with no cap on the excess amount).

For example, in December 2022,

Date of settlement/completion HKD transfer using Mox Credit Accumulated transfer (HKD) using Mox Credit Handling fee (HKD) to be charged
1 December HKD10,000 HKD10,000 HKD0
2 December HKD50,000 HKD60,000 HKD0
5 December HKD25,000 HKD85,000 (HKD85,000 - HKD80,000)*1% = HKD50
7 December HKD1,000 HKD86,000 HKD1,000*1%=HKD10

On 5 December and 7 December, the accumulated transfers HKD amount of Mox Credit each exceeded HKD80,000, and a 1% Excess Fund Transfer Handling Fee was applied to the respective excess amount.

In January 2023, the monthly threshold will reset to HKD80,000 and will follow the same calculation logics as above.

Apply for Mox Credit now
Apply for Mox Credit now