1.5%
Min. Rate
4.5%
Saving Rate
HK$0
Minimum Initial Deposit
MoneySmart Exclusive

Seize the Opportunity - Apply for Mox Account with "MSFLASH" to earn up to HKD2,774 Cash Rewards:
From now until 15 April 2024, simply open a Mox Account with the invitation code "MSFLASH" and apply for Mox Credit successfully, you can get HK$228 Cash Rewards right away. You can get an extra HK$800 Cash Rewards by accumulating eligible transaction(s) of HKD800 within the first 30 days of your Mox Credit approval! Earn the total cash rewards up to HKD1,028! Together with the exclusive offer from MoneySmart, you earn an extra $500 Apple Gift Card/ $500 ParknShop Voucher/ $500 Klook Voucher. Together with the bank offer from Mox, you can get up to HKD2,774 offer in total.



【Mox Flash Saving Offer 】 From now till 30 April 2024, open a Mox Account and deposit HKD50,000 or more within the first 7 days, maintain it with us for 60 days and you will be rewarded a flash cash reward of HKD1,000, equivalent to 12% savings rate. Combining with the 1.5% base rate, and 2% new fund reward, your interest can amount up to a guaranteed 15.5% p.a.! The total interest payable will be $246!

Valid until 15 Apr 2024 - See more details below

Are you eligible?

    • 【MoneySmart Exclusive】From now until 15 April 2024, new users will enjoy an exclusive offer of $500 Apple Gift Card/ $500 ParknShop Voucher/ $500 Klook Voucher reward using promo code 【MSFLASH】and successfully apply for Mox Credit.

    • From now until 15 April 2024, simply open a Mox Account with the invitation code "MSFLASH" and apply for Mox Credit successfully, you can get HK$228Cash Rewards right away. You can get an extra HK$800 Cash Rewards by accumulating eligible transaction(s) of HKD800 within the first 30 days of your Mox Credit approval! Earn the total cash rewards as Bank Offer up to HKD1,028!

    • 【Mox Flash Saving Offer 】 From now till 30 April 2024, open a Mox Account and deposit HKD50,000 or more within the first 7 days, maintain it with us for 60 days and you will be rewarded a flash cash reward of HKD1,000, equivalent to 12% savings rate, equivalent to 12% savings rate. Combining with the 1.5% base rate, and 2% new fund reward, your interest can amount up to a guaranteed 15.5% p.a.! The total interest payable will be $246! 

    • Before applying for product, please switch off Ad block, incognito mode or other do not track function

    • After successfully submitting the application and opening the Mox account as well as Mox Credit, you will receive an email notice with the application reference number in 14 working days, if you don't receive the email, please check your spam folder.

    • Customers must submit the redemption form on or before 31 May, 2024 in order to be eligible for exclusive reward. New customers who have successfully Open a Mox Account with the invitation code "MSFLASH" and successfully apply for Mox Credit, you must log into you MoneySmart account and submit claim form along with the application reference number from the email issued by Mox Bank for further verification.

What you need to know

  1.  【Deposits Flash Offer】 Up to 4.5% p.a. saving rate for new customers 
    •1.5% p.a. :  Enjoy unlimited Top of town 1.5% p.a. interest on your HKD deposits. No minimum balance required. 
    •1.5% Welcome Bonus p.a. : New customers who open a Mox Account on or before 31 March and add money to the account, you can enjoy a 1.5% p.a. bonus savings rate on next-day deposits up to HKD3,000,000 as Welcome Bonus rate.
    •1.5% Mox Invest p.a. :  Meet a total accumulated trading amount of HKD10,000 in Mox Invest, and we’ll automatically give you a bonus rate of a 1.5% p.a. savings rate for up to HKD 3 million deposit (for deposits in your savings accounts, including Mox Invest Account)on next-day deposits. 

  2. 【Save, Earn Miles, Travel Instantly!】 First in Hong Kong! Receive your full interest earnings instantly from Mox – with your choice of cash or Asia Miles. Save now, travel right away!

    · No waiting: The moment you save, not only you will transparently see how many miles you can earn, you’ll also get them upfront instantly.

    · Easy to earn: Save and earn. It’s that simple. Why spend over months to earn the miles you need and wait for them coming into your account?

    · Low barrier: You can earn miles even if you save with a small budget, which is a perfect choice for you if you’re just missing a few more miles for your next trip.

  3. Introducing a new way to earn CashBack from Mox Credit. All you need is Mox Credit to earn Unlimited CashBack for all your spendings all year round with no cap and no category limits!
    🌟 Enjoy 3% Unlimited CashBack at supermarkets, includes: Donki, HKTVmall, YATA,  PARKnSHOP, Wellcome, AEON etc.



    🌟 Enjoy 2% Unlimited CashBack anytime, everywhere: if you keep HK$75,000 in your Mox Account to enjoy high savings rate and unlock 2% Unlimited CashBack on all your spendings! No cap and no categories limit!

    🌟 Earn 1% Unlimited CashBack: if you are not keeping enough savings with Mox. Start earning with no limit now!



    🌟 3% CashBack at selected CashBack Merchants: spend with Mox Credit to earn 3% CashBack at selected CashBack Merchants, such as 7-11, Mannings, Watsons,  Circle K, Deliveroo, HKTaxi, Uber, Trip.com and more! (Cap HK$1,800 cash reward within 2024)

T&Cs
Claim Form

All Details

Disclaimer: At MoneySmart.hk, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. For any discrepancy in product information, please refer to the financial institution’s website for the most updated version. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.

Key Features of Mox Saving Account

Enjoy Daily Interest

Earn 0.3% per annum daily interest rate on your Hong Kong Dollar (HKD) savings for up to HK$ 500,000 with Mox. Moreover, you can earn 0.01% per annum daily interest on all foreign currency deposits in your Mox Account.

Time deposits made flexible with no early withdrawal fees

Mox offers flexible ways for clients to save. You can earn preferential interest rates and yet enjoy the flexibility of a savings account as Mox won’t charge any early withdrawal fees.

Goal saving

Mox allows you to organize your HKD savings by setting up up to 5 Goal accounts, keeping your current and saving account entirely separate. In this way, you can name them accordingly and track your progress in real time, making sure you are on track to realize all the Goals.

Saving habit

You can make use of Mox Savings Calculator for budgeting and automating your saving habit. Also, you can set rules to transfer money into your Goals on a regular basis.

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Mox Deposit Protection

Mox is a member of the Deposit Protection Scheme in Hong Kong. In this way, your eligible deposits with Mox (no matter what currency it is) are protected by the Deposit Protection Scheme. Each depositor can enjoy up to a limit of HK$500,000 (or its equivalent).

Frequently Asked Questions

How much interest can I earn on my savings account with Mox?

HKD: enjoy daily interest at a rate of 0.3% per annum for a maximum of HK$500,000. Foreign currency deposits: enjoy daily interest at a rate of 0.1% per annum.

How often is interest on my savings paid into my Mox account?

Mox gives interest daily to your account, including weekends and public holidays.

What currencies can I open a savings account with at Mox?

Currently, Mox offers saving accounts in Australian Dollar (AUD), Canadian Dollar (CAD), Euro (EUR), British Pound (GBP), Japanese Yen (JPY), New Zealand Dollar (NZD), Singapore Dollar (SGD), and United States Dollar (USD).