Best Deals Banking Account

Invest with Mox to unlock up to 3%p.a saving rate

• Starting 1 May 2025, placing investment order(s) for eligible transactions of at least HK$50,000 (or equivalent) and boost your savings rate to 3% p.a. for that month!
  Eligible transactions include:

  • Net purchase of Mutual Funds/Core Portfolio* ; or
  • Currency Exchange transaction**
  • *Based on the investment amount when the order is successfully submitted. 
    **FX amount that is sold (inclusive of any applicable fees and charges) in Hong Kong dollars.
• Introducing the all-new Mox Credit "EARNINMOXMH" miles-earning code!
• Seamlessly earn an unbeatable HKD4 = 1 Asia Mile on all your spending with Mox Credit's Miles Rewards Scheme, so you can earn faster and fly sooner. Plus, enjoy 0% FX Fees, making every purchase count, whether at home or abroad!
• Break free from traditional credit card rewards scheme. With Mox Credit you can switch between CashBack and Miles Rewards scheme with ease, putting you in control of how you earn.
• For new customers, you can enjoy HK$4=1 Miles on all eligible spending upon credit approval for 60 days
   
• Existing customers can enjoy this offer by maintaining an eligible saving balance of HK$250,000 or above.
   
• You can then unlock unlimited Miles, unlimited Trips upon your purchase!
• There's no limits on the number of miles you can earn – spend more, earn more!
• 0% FX Fees: Same great rates at home and abroad!
• Enjoy 0% FX Fees on all transactions worldwide.
• Save effortlessly on overseas trips and online purchases.
• Want to earn CaskBack instead? You can switch your spending reward mode to “CashBack” via Mox app, and start earning “best-in-town” 2% unlimited CashBack on any eligible spending!

• Mox's new FlexiBoost current account offers a stable monthly interest rate, regardless of market fluctuations, with a guaranteed annual interest rate of up to 3.5%.
  
  • USD savings deposit : Savings Base Rate (as of 1 Oct 2025)+Bonus Rate (for October) Total interest rate up to 3%
  • HKD savings deposit : Savings Base Rate (as of 1 Oct 2025)+Bonus Rate (for October) Total interest rate up to 1.5%

With Mox Credit Credit, earn best-in-town unlimited CashBack everywhere

• Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
• Earn 2% unlimited CashBack (with an Eligible Balance of HKD250,000 or above)! Or earn 1% unlimited CashBack if otherwise
• Earn a total of up to 5% CashBack at selected daily merchants
• Want to earn Asia Miles instead? You can switch your spending reward mode to “Miles” via Mox app, and start earning “best-in-town” HKD4 / mile + 0% FX fees (for both overseas spending / online shopping)

First in Hong Kong! Earn interest upfront with cash or miles!

• Interest earnings are credited to you right away – and you can choose to receive interest in either cash or Asia Miles!
• Mox pays your interest the exact moment of your deposit and lets you choose to earn cash or miles. Earn interest upfront with cash or miles? It’s up to you.

Transfer flexibly with Mox Credit with no fees

• Starting 1 May 2023, Mox Credit allows you to effortlessly manage your monthly expenses by making transfers via FPS to pay bills or send money to loved ones
• Whether you need to transfer money to friends or family, set up designated payees to pay rent, tuition fees, or miscellaneous expenses, or purchasing goods and services, Mox Credit makes it easy for you.
• Enjoy an interest-free period of up to 56 days with just one click and you can even set up recurring payments to stay ahead of deadlines. If you exceed your personalised transfer limit, a handling fee of up to 2% will be applied. To keep track of your threshold and fees, you can easily check your Mox app

Mox Credit - Numberless All-in-One Bank Card

• Up to 56 days of interest-free
• Spend with Mox Credit: Enjoy 3% Unlimited CashBack at all supermarkets, includes: Donki, HKTVmall, YATA, PARKnSHOP, Wellcome, AEON etc
• No late payment fee
• One card for all purchases and cash withdrawal.
• No card number, expiry date or CVV on physical card. It is to reduce the risk of losing personal information and for added security benefits.
• Use the Mox app to lock/unlock your Mox Credit, update your daily limit, and set ATM PIN. Reduce the risk of fraud even if you lose your card.
• Use JETCO ATMs in Hong Kong for free.

Mox Exclusive Offer

• Discover discount offers, free gifts, unique experiences and more
• Please visit the Mox Official Website for the list of exclusive offers

Other things to note

• Mox Asia Miles Time Deposit Promotion Terms and Conditions and Mox Upfront Interest Time Deposit Promotion apply.
• These 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.
• Earned CashBack will be deposited to your Mox Account directly. You no longer need to redeem points.
• Perpetual annual fee waiver
• Mox Credit terms and conditions and the Mox Credit Key Facts Statement apply.

• “Best-in-town” refers to the comparison against 27 credit cards in Hong Kong regarding unlimited cash rebate as published on official website as of 8 March 2024.

• Mox Credit Card delivers best-in-town rewards offer of its kind as it is the only credit card in Hong Kong that provides the combination of HKD4 spending for 1 Asia Miles for all spending categories, 0% foreign exchange fee, and no cap for these offers. Compared against 5 mileage-focused credit cards in Hong Kong as published on official websites as of 18 October 2024. Promotional rates are not included in the comparison.

• From 4 November 2024, if you have an Eligible Balance of HKD250,000 or more at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 2% on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance of below HKD250,000 at the time you make an eligible Mox Credit Card transaction, you may earn Unlimited CashBack calculated at 1% on the amount of the eligible Mox Credit Card transaction.
• FX Fees refer to the Foreign Exchange Handling Fee and the Cross-Border Access Fee. 0% Foreign Currencies and Overseas Merchant Spending Fees Promotion Terms and Conditions apply (which can be found in the Mox app and/or on its website).
• Terms and conditions apply. To borrow or not to borrow! Only borrow if you can repay!

• Savings rates are subject to review according to changes in market conditions from time to time. 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).

• 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.
• Investment and Currency Exchange Transaction(s) involves risks. 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.
• General Terms and Conditions (in particular, see Schedule 3 to the General Terms and Conditions) and Split Purchase Cash Rewards Promotion Terms and Conditions apply.
• Monthly Average Balance refers to the average of your HKD deposit balance on all calendar days in a calendar month.
• Terms and conditions apply.
• Mox disclaimer applies.

• Deposit eligible new funds to enjoy up to 5.9% Total Savings Interest Rate*
• Trade across 8 global markets (including HK, US and Japan stocks) with 0% brokerage fees and the newly launched stock investing WhatsApp chatbot, DBS EASY, making it easier for you to keep up with the markets
• 0% subscription fee for the online investment fund trade
• Open an account with the DBS digbank HK app in just around 10 minutes, complete the entire process on your mobile phone.
• Apply DBS UnionPay Diamond Debit Card for free: exchange 14 popular currencies effortlessly and spend later with no transaction fees
• DBS digibank HK app comes with equity scores assessed by DBS analysts based on 7 key assessment metrics.
• For details, please visit: https://bit.ly/3YVk4J1
• *Total Savings Interest Rate includes e$aver Interest Rate and Basic Savings Interest Rate. Basic Savings Interest Rate is subject to revision in light of prevailing market conditions. The Bank has the right to adjust the annual interest rate of the basic savings deposit according to the prevailing market conditions. The annual interest rate of the basic savings deposit is not guaranteed. The Bank reserves the right to adjust the annual interest rate of the basic savings deposit from time to time and at any time for any reason without prior notice or giving any reason. For the latest Hong Kong dollar basic savings deposit annual interest rate details, please refer to https://www.dbs.com.hk/personal/ratesfees-tiered.page .

• Important fee:
• Fees You Need to Know
  • Service Fee: Waived
  • Paper Statement Fee: HK$60 on each account/Year
  • ATM Card Annual Fee: Free 

Features:

• One-stop security settings on Hang Seng Mobile App
  • New "Settings & Security" interface provides you with security support
  • Adjust various transfer limits anytime
  • Manage various credit card security options easily
  • Enhanced mobile app security measures to safeguard your account

Key Features of Airwallex Business Account 

• Account opening made easy
  • Customers can complete the Airwallex account opening process online without physically leaving Hong Kong or filling out a large number of documents. Compared to traditional banks, opening local currency accounts in Europe, the United States, Australia, the United Kingdom, and other places in Airwallex is much easier, which saves you much time in opening local and foreign currency accounts making it so much more efficient.
• Low transaction costs and real-time settlement
  • Airwallex uses a high-speed global payment network to exchange foreign currency in real-time at interbank exchange rates, which is unaffected by weekends and public holidays. This allows merchants to enjoy attractive exchange rates with no sign up nor monthly fees. The service supports more than 26 foreign currencies, including US dollars, Euros, Australian dollars, and Pounds. Clients can transfer funds to more than 150+ countries and regions, and can conduct 100 foreign exchange transactions in one go.
• Improved efficiency
  • Airwallex automatically synchronizes your multi-currency transactions to Xero, ensuring real-time updates of your company's accounts. In addition, Airwallex links your payment accounts to Amazon, eBay, Shopify, and PayPal, making management easier.
• Setting Up Employee’s Visa Cards Online
  • Airwallex allows merchants to instantly issue Airwallex Visa cards for employees online, making it easy for employees to use Apple Pay to pay for the company's expenses. Merchants can also set restrictions on currency, spending limits, and accounts that can be used for payments. Through Airwallex's multi-currency Visa card, merchants can directly pay for expenses such as paying advertising costs in USD and SaaS online subscription service. In this way, merchants can save up to 90% fees on foreign exchange and overseas transactions. Earn up to 1.1% cash back on local and overseas transactions with the Airwallex Visa card.

• New clients can earn up to HKD32,000 cash rebate by signing up for Priority Banking
• Backed by our CIO team’s house views, myWealth is here to help conduct portfolio health check and re-evaluate your asset allocation — tailoring your portfolio to your needs.
• Our CIO team hand-picks funds based on market insights catering to diverse client needs and adjusts asset allocations accordingly. New clients can enjoy 0% online subscription fee for investment fund trades.
• Join the first-in-market FX membership program to enjoy exclusive rates and up to HKD18,888 cash rewards!
• New Clients sign up for Priority Banking via SC Mobile App to enjoy extra HKD500 cash rebate.
• Fees:
  • Monthly service fee: HK$900 per quarter (to be waived if the average daily relationship balance in the past 3 months is HK$1,000,000)
  • ATM Card annual fee: Free
  • Lost/stolen ATM Card replacement: Free for Priority Banking Customers
  • Withdrawal fee at local JETCO network: Free
  • Withdrawal fee at overseas JETCO network: HK$28 per transaction
  • Withdrawal fee at UnionPay network: HK$15 per transaction
  • Account closure within 3 months since account opening: HK$200

• Miles will be automatically credited to your Asia Miles membership accounts with no mileage conversion fee

  • Up to HK$2 = 1 Asia Mile for eligible spending on Cathay and HK Express
    • Eligible spending includes Cathay flight tickets, shopping and bookings with Cathay Holidays, and HK Express flight tickets and duty-free items.For every HK$8,000 accumulated eligible spending on Cathay and HK Express directly, cardholders can earn: Basic Miles: up to (A)2,000 (HK$4=(A)1 for eligible online spending, HK$6=(A)1 for eligible spending in other categories); and Extra Miles: (A)2,000. Thus, cardholders can earn up to a total of (A)4,000 – equivalent to HK$2=(A)1. Extra Miles offer is valid between 1 April 2024 and 31 December 2024.
  • HK$4 = 1 Asia Mile for eligible spending on dining and overseas category
  • HK$6 = 1 Asia Mile for eligible spending on other categories
  10% discount on Asia Miles Awards redemption
  • Hotel, Car Rental and Experience Awards;
  • Dining awards or settle bill with miles; and
  • Asia Miles Mileage Renewal fee, Mileage Transfer fee and purchase of Asia Miles Gift Miles.
  Agoda Promotion: Standard Chartered Credit Card Customers enjoy up to 7% off on global hotels bookings
  First-year annual fee waiver
  • New clients can enjoy first-year annual fee waiver. Cardholders will enjoy an annual fee waiver on their Cards for a year (beginning from the respective anniversary of the issuance date of their Cards) if they are Priority Banking clients or Premium Banking clients meeting the relevant Minimum Relationship Balance requirement, or payroll account clients.

• Account Opening process

1. Download the PAObank App from the App Store, Google Play, Huawei AppGallery or by scanning the QR code
2. Click on "Open account" to start the account opening process
3. Supports Hong Kong Identity Card or Mainland Resident Indentity Card
4. Enter referral code: PAOBMH
5. Identity Verification→Enter Personal Information→Confirm Terms and Conditions
6. Follow instruction to take selfie for biometric indentification
7. Done  

Savings Account

• Support HKD/USD/CNY, manage your savings flexibly and enjoy a preferential annual interest rate  
• HKD/USD/CNY are all protected by the Deposit Protection Scheme, with a maximum coverage of HK$800,000 
• Transfer funds from your account INSTANTLY at your fingertips 
• Protect your savings with PAObank 'Money Safe' anti-fraud measures

Time Deposit

•  Place your Time Deposit with a low threshold and easily enjoy stable interest returns
• Support HKD/USD/CNY, securing an exceptionally high annual interest rate
• Enjoy flexible fixed-term options from 1 to 12 months - designed to fit your financial needs
• 24 X 7 time deposits anytime, anywhere