Premier Banking Accounts

• Account Opening 
  1. After downloading the Mox App, open it and tap “Open an Account Now.”
  2. Select “Apply for Mox Credit and a Mox Account.”
  3. For easy ID scanning, place your ID card on a plain, solid-colored surface with sufficient lighting. Avoid reflections that may block the information on the card. After scanning the front of the ID card, remember to flip it over to scan the back.
  4. When taking a selfie, keep your phone at eye level to make facial recognition easier. Avoid having other people in the background.
  5. Complete the account opening.

  6. New customers who apply for a Mox Credit Card after opening an account can enjoy, upon card approval, either “the city’s highest” 2% unlimited cashback or “the city’s best” miles rate from as low as HK$4 per mile + 0% foreign currency fees on any eligible spending within the first 60 days.

• Mox  Credit - A fresh welcome offer: Pick 1 of 3 for 10% cash reward on Taobao, Keeta, or Uber eligible transactions* & Earn up to HK$1,200 total

  • Sign Up & Apply
    Use your chosen invitation code ("UBERMOX" / "KEETAMOX" / "TAOBAOMOX" ) to open a Mox account and apply for a Mox Credit Card.  
  • Earn From Day One
    Once your Mox Credit Card is approved, you'll automatically get 10% CashBack for 12 months on all eligible spending with your chosen merchant. No spending requirements, no monthly caps—just earn up to HK$1,200 back! 
  • UBERMOX Invitation Code Promotion Terms and Conditions, KEETAMOX Invitation Code Promotion Terms and Conditions, and TAOBAOMOX Invitation Code Promotion Terms and Conditions apply. 
  •  Mox Disclaimer applies.
  • *Applicable to Uber Taxi ride and Uber One membership transactions. 

• Fly farther with Mox Asia Miles Time Deposit

  • From now, set up a Mox Time Deposit and earn Asia Miles to travel. For example, an Asia Miles Time Deposit of HK$104,000 new fund for 12 months will earn you 26,000 Asia Miles, which is enough for a round-trip flight to Tokyo, Seoul or further destinations! Perfect for a round trip to Asia!

    Principal Amount (New Fund)	Tenor (months)	Asia Miles you get	Asia Miles you get Destination and cabin class you can redeem^
    HK$ 112,000	6	14,000 miles	Round-trip economy class – Taipei/Hanoi/Xiamen
    HK$ 104,000	12	26,000 miles	Round-trip economy class – Tokyo/Osaka/Sapporo
    HK$ 118,000	36	88,500 miles	Single-trip business class – London/Paris/Milan/Rome
    HK$ 115,000	48	115,000 miles	Single-trip business class – New York/Africa

  • Mox Asia Miles Time Deposit Promotion Terms and Conditions apply.

• For mileage enthusiasts who want to accumulate miles?

  • Maintain an Eligible Balance of HK$250,000 or above, and enjoy discounts on all eligible spending, regardless of category, starting from just HK$4 = 1 miles
     
  • Breaking with tradition, there's no spending cap—truly earn as much as you sign up!
     
  • Foreign currency transaction fees are the same both locally and abroad. Enjoy free foreign currency transactions anywhere in the world, making it easy to save money whether traveling abroad or shopping online.

• Want to switch to earning cash back? Mox credit cards can help you too!

  • Want to switch to earning cash back? You can also switch to "CashBack" anytime through the Mox app and earn the highest unlimited 2% CashBack in town on any transaction, as long as you maintained an eligible balance at HK$250,000!
     
  • When you make an eligible Mox Credit Card transaction, if you have (a) an Eligible Balance for Card Rewards of HK$250,000 or more, or (b) completed an Eligible Payroll Transaction of HK$25,000 or more, you may earn unlimited 2% CashBack on the amount of the eligible Mox Credit Card transaction
  • Earn 3% unlimited CashBack at supermarkets in Hong Kong (including  Donki, HKTVmall, Yata, Parknshop, Wellcome, AEON, etc.)
    
    
• Unlock extra savings with Mission Bonus Rate
  
  
  • From now until 31 January 2026, complete any (or all!) of the missions below and earn extra interest on your Eligible Savings Deposits – up to a total of 3.5% p.a.:
  • 1. Payroll mission: Set your Mox Account as your payroll account and receive HK$25,000 or more Eligible Payroll Transactions from 1 December 2025 to 30 January 2026
  • 2. Invest mission: Complete stock transaction(s) of at least HK$25,000 (or equivalent) using Mox Invest
  • 3. FX mission: Exchange FX of at least HK$25,000 or equivalent ( based on the amount of currency sold)
  • 4. Deposit mission: Add at least HK$25,000 to Deposit Mission Eligible Balance above your Previous Month Average Savings Balance
  • 
    

    Mission	Eligible Savings Deposit (HK$/USD)
    Payroll	1.5% p.a.
    Invest	1.2% p.a.
    FX	0.5% p.a.
    Deposit	0.3% p.a.
    Saving Base Rate	0.001% p.a.
    Total	3.50% p.a.

  •  Mission Bonus Rate Promotion (Jan 2026) Terms and Conditions apply.

• FlexiBoost New savings solution
  
  
  • Unmatched flexibility and competitive rates
    Experience FlexiBoost—a new high-yield savings solution that offers superior flexibility without sacrificing access to your funds. Earn more than traditional Time Deposits, with the freedom to withdraw whenever you need.
  • Guaranteed returns with fixed rate
    Enjoy a high fixed rate with FlexiBoost, free from market fluctuations, ensuring consistent and secure returns on your savings. What you earn, you keep!
  • Simplified savings management
    Say goodbye to balance worries! Manage your savings effortlessly with FlexiBoost’s dedicated account. Enjoy stress-free tracking and a simpler savings experience.
  • You can choose to save in either HK$ or USD, providing you with flexibility and a fixed interest rate on your savings.
    

    FlexiBoost Period	FlexiBoost Rate p.a. (HK$)	FlexiBoost Rate p.a. (USD)
    First 30 days	1.8%	3.3%
    Next 30 days	2.5%	3.35%
    Last 30 days	3.5%	3.4%

  • Please refer to the Mox FlexiBoost 1.0 Promotion Terms and Conditions for further details, including for the meaning of new funds.

• Mox Credit transfer limits are set monthly for easy daily transactions.
  
  • Mox Credit offers personalized transfer limits, set monthly to your liking. Transfers via Mox Credit using Faster Payment System (FPS) are convenient, fast, and easy.
  • For everyday transfers to relatives and friends, rent payments, tuition and fees, shopping, and other services, simply use the Mox app and select "Faster Payment System" or bank transfer via Mox Credit – one click is all it takes. You can also enjoy up to 56 days of interest-free repayment. You can also set up "repeat payment" instructions so you never miss a payment due date.
  • If your total monthly transfer amount exceeds your personalized transfer limit, you will only need to pay a fee of up to 2% on the amount exceeding this limit. To view your personalized transfer amount and fees, simply log in to the Mox app.
• Mox Credit - Numberless All-in-One Bank Card
  
  • Transfer funds via Mox Credit using Faster Payment System (FPS) for immediate payment and subsequent settlement.
  • No late payment fees.
  • Mox Credit card serves both spending and cash withdrawal purposes.
  • Numberless design: The physical card does not display the card number, expiration date, or CVV verification code, reducing the risk of data theft.
  • Lock, unlock, set daily limits, and change ATM PINs for your Mox Credit card through the Mox app. Even if the physical card is lost, the risk of misuse is reduced.
  • Free cash withdrawals from "UnionPay" ATMs.
• Perpetual annual fee waiver

• “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 HK$4 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 HK$250,000 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 HK$250,000 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).
• To borrow or not to borrow! Only borrow if you can repay!
• Deposit rates may be adjusted from time to time due to market changes. Subject to general terms and conditions and all schedules thereof. Please refer to the "Terms and Conditions" section of the Mox website for details. Mox's basic annual deposit rate does not apply to any deposits held in a customer's time deposit account.
• Mox Credit's installment payment fees are subject to change from time to time. Please refer to the installment payment product summary for details. The actual annual interest rate for installment payments is calculated in accordance with the guidelines set out in the Banking Code of Conduct. The actual annual interest rate is a reference rate and shows all applicable basic interest rates, fees, and charges for Mox Credit installment payments as an annualized rate.
• Average monthly balance refers to the average balance of Hong Kong dollar deposits held over all days of the month.
• Asia Miles:
  Please refer to the Rewards for Cards Schedule for further details. From 1 December 2025, when you make an eligible Mox Credit Card transaction, if you have (a) an Eligible Balance for Card Rewards of HK$250,000 or more; and/or (b) completed an Eligible Payroll Transaction of HK$25,000 or more (each an “Unlocking Criteria”) you may earn HK$4 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 December 2025 to 31 March 2026 (both dates inclusive), if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HK$8 = 1 Asia Mile on the amount of the eligible Mox Credit Card transaction. From 1 April 2026, if you have not satisfied an Unlocking Criteria at the time you make an eligible Mox Credit Card transaction, you may earn HK$10 = 1 Asia Mile on the amount of eligible Mox Credit Card transaction. “Eligible Balance for Card Rewards” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance for Card Rewards’. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. You will be eligible to receive HK$4 = 1 Asia Miles during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.
• CashBack:
  Please refer to the https://mox.com/legal-documents/general-terms-and-conditions/terms-and-conditions-for-rewards-for-cards-issued-by-mox/ for further details. From 1 December 2025, when you make an eligible Mox Credit Card transaction, if you have (a) an Eligible Balance for Card Rewards of HK$250,000 or more, or (b) completed an Eligible Payroll Transaction of HK$25,000 or more, you may earn unlimited 2% CashBack on the amount of the eligible Mox Credit Card transaction. If you have an Eligible Balance for Card Rewards of below HK$250,000 or have not made an Eligible Payroll Transaction at the time you make an eligible Mox Credit Card transaction, you may earn unlimited 1% CashBack on the amount of eligible Mox Credit Card transaction. “Eligible Balance for Card Rewards” means the ‘available cash balance’, any ‘cash on hold’ and any ‘cash on hold for fund(s)’ in your savings accounts with Mox. For the avoidance of doubt, any ‘cash on hold from unsettled cash’ in your Mox Invest Account or balances in your Time Deposit Account(s) will not constitute ‘Eligible Balance for Card Rewards’. “Eligible Payroll Transaction” means a transaction where your employer pays your salary into your Mox Account via FPS, and the transaction is displayed as ‘Salary’ in the Mox app. For the avoidance of doubt, standing instructions or other local electronic transfers are not considered ‘Eligible Payroll Transactions’. You will be eligible to receive 2% CashBack during the period beginning on and from the day you complete the Eligible Payroll Transaction and ending on the last day of the next calendar month.
• Terms and Conditions apply
• You must first open a Mox account to apply for Mox Credit. 
  
  • Applicants for a Mox account must be 18 years of age or older, hold a valid Hong Kong Identity Card, and have a valid Hong Kong residential address and postal address.
• Mox Disclaimer applies.
• To borrow or not to borrow? Borrow if you can repay!

• 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
• 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 reward up to HK$80,500 

Limited-time New fund offer  

• Eligible Credit Card Customers is required to open a Citigold account during the Promotion Period and fulfill designated requirements may enjoy up to HK$30,000 cash rebate.
• New customers who fund in the designated new funds amount specified below within 30 calendar days upon account opening can enjoy HK$2,000 cash rebate

Investment offer

• New Citigold customer is required to fulfill “Designated Investment Product(s) Balance” may enjoy up to HK$42,000 cash rebate and designated gift*

Engagement Offer

• To be entitled to the Engagement Offer, a new customer is required to open a Citigold Private Client or Citigold account during the Promotion Period and fulfill the following requirements:

  • i. Fulfill the requirements stated in respective banking account's New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
  • ii. Complete the below action items and maintain the status till the fulfillment period
  1. Login to Citi Mobile® App at least once; and 
  2. Complete Investment Risk Profile Questionnaire; and
  3. Activate debit card

Professional Investor sign-up offer

1. To be eligible for the Professional Investor ("PI") sign-up offer, a new Citigold Private Client/Citigold customer is required to fulfill the following requirements:
   i. Fulfill the requirements stated in respective banking account’s New Funds Offer and sign the Welcome Offer Gift Acknowledgement & Hold Fund Form; and
   ii. Sign up as a PI by completing the PI Declaration Form with the Bank by the date specified below and maintain the PI status till the fulfillment date:
   iii. Maintain HK$8,000,000 or equivalent of daily combined balance as of the below stated date
2. A customer's PI status is subject to the Bank’s validation on the eligibility of the customer's portfolio.
   

   Banking service	Account Opening Date	Completion of actions in the above issue	Maintance the required daily combined balance as of	Fulfilment Date	Cash rebate (HK$)
   Citigold	February 1, 2026 - February 28, 2026	On or before June 30, 2026	June 30, 2026	On or before October 31, 2026	HK$1,000

Limited Time Deposit Offer 

• Enjoy Preferential HKD Time Deposit rates of up to 3.2% p.a. USD Time Deposit rates of up to 3.9% p.a.  (until until Feb 14th  , 2026)
• From Feb 1 to 28, 2026, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1% Time-deposit top up rebate*!

Exclusive Time Deposit Offer for Credit Card Customers

• From Feb 1 to 28, 2026, Citi Credit Card customers + who successfully apply for Citigold will enjoy extra 1% Time-deposit top up rebate*!

• +Citi credit card customers refer to customers who are the primary cardholder of an approved and valid Citi credit card as of March 31, 2026 and the application of Citi credit card submitted on or before banking account opening date.
• *1% p.a. Exclusive Time Deposit Top-Up Rebate refers to 3-month time deposit in HKD, USD or RMB and set up within the Time Deposit Booking Date with new funds. Any time deposit shorter than 3 months is deemed ineligible. The aggregate principal amount of Eligible Time Deposit set up is capped at HK$1,500,000 equivalent for Citigold customers.

Customer Support 

• 24-hour Citigold Hotline
• Citi Live Chat: supports text/audio/video chat

Terms and conditions apply. All info and offers are subjected to Citibank's official website.

Fees You Need to Know

• Service Fee: HK$300
• Paper Statement Fee: HK$300 (Average Daily Relationship Balance of HK$1,500,000: Waived)
• Account closed by customer within 6 months from the date of opening: HK$500
• ATM Card Annual Fee: Free

All offers are not applicable to the following customers:

1. existing banking clients of Citibank (Hong Kong) Limited and / or Citibank, N. A. (Citibank, N.A., organized under the laws of U.S.A. with limited liability) (collectively, “the Bank”) ; OR
2. clients who had a banking relationship with the Bank during the previous 12 months prior to the account opening month; OR
3. clients who had a Citigold Private Client/Citigold banking relationship with the Bank during the previous 36 months prior to the account opening month. 

Investment involves risk.

Foreign exchange involves exchange rate risk.

Terms and conditions apply. Please refer to Citi Hong Kong's website for details.

• 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

• 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