0.3%

Min. Rate

6.2%

Saving Rate

^HK$0

Minimum Initial Deposit

All Details

• Key Features

  • 【 Deposits Flash Offer 】New customers who apply for Mox account with the invitation code "MOXREWARDS" from now until 8 October 2023, maintain at least HK$50,000 HKD Savings Account Balance for 60 days starting from the 7th day after Joining Day, and you’ll be rewarded with an extra HK$600 Cash Reward (7.3% p.a saving rate)! Combinate with 0.3% base rate & 3.2% Welcome Bonus, you can earn up to 10.8% p.a. savings rate at your first 60 days of account opening!

  • From now until 8 October 2023, simply open a Mox Account with the invitation code "MOXREWARDS" and apply for Mox Credit, you can get HK$800 Cash Rewards by accumulating HK$800 in eligible transactions with Mox Credit within the first 30 days of your Mox Credit approval!

  • 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, HKTaxim Uber, Trip.com and more! (cap HK$600 cash reward during the promotion period)

  • Earn Time Deposit Rates of up to 4% p.a. with New Funds: Place them anytime via the Mox app, with as little as HK$1 to enjoy preferential rates along with the flexibility of withdrawing cash anytime without fees¹.

  • Tailored to your needs, so that you can transfer flexibly with Mox Credit with no fees

  • 1. Welcome Bonus: New customers can enjoy 3.2% p.a. savings rate for the first 60 days if you register Mox as your default receiving bank for your FPS transfers! Together with our 0.3% p.a. base rate, you will automatically enjoy 3.5% p.a. in total (up to HK$250,000 deposits)

  • 2. Mox Bonus: By completing Mox Bonus challenges each month, you can further unlock an extra 2.7% p.a. savings rate on your next-day Hong Kong dollar savings deposit up to HK$500,000

  • 2a) Mox Bonus – Spending Challenges (1.2% p.a.): Spend at least HK$5,000 each month using your Mox Card (with Mox Credit or from your Mox Account)

  • 2b) Mox Bonus – Saving Challenges (1% p.a.): Keep HK$10,000 New Funds on a day on top of your Monthly Average Savings Balance for previous month (You can check how much deposits you should keep in total on Mox app).

  • 2c) Mox Bonus - Bill Payment Challenge (0.5% p.a.): Pay 2 bills of at least HK$100 each using ‘Pay bills’ feature, in the past 35 days (with Mox Credit or your Mox Account).

  • *All promotion quota are subject to availability and on a first come first serve basis while stocks last. Details please refer to Mox website.

  • ¹Please note that if you request for an early withdrawal, you won’t be entitled to any interest for that time deposit.

  • Terms and conditions apply. To borrow or not to borrow? Borrow only if you can repay!

Eligibility

Minimum Initial Deposit	0
Minimum Average Daily Balance	0

Interest Rate

Base	0.3% p.a.

Bonus Interest Rate

Promotional Savings Interest Rate Offer for New-to-Bank Clients	New customers can enjoy up to 10.8% p.a. in total (7.3% HK$600 Offer + 3.2% Welcome Bonus + 0.3% Base rate)

Required Documents

Hong Kong Permanent ID	yes
Address Proof	no

Fees and Charges

Monthly Account Fee	0
ATM Withdrawal Charges	See below
Incidental Overdraft Charge	For each cash overdraft, take the higher amount of the following two amounts: (1) 3% of the cash overdraft; or (2) HK$100.