Mox Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mox Bank suits Hong Kong residents who want spending, savings, borrowing and insurance in a single app. The savings balance is easy-access and pays 0.001%, the Instant Loan runs at 1.18% to 19.84% with an origination fee of HKD 0 (no handling fee), and overseas card spending carries FX fees of 0%.
Key facts
- Best for
- Hong Kong residents who want spending, savings, borrowing and insurance in a single app.
- Currency conversion fee
- 0%↗
- Card type
- Debit↗
- Card network
- Mastercard↗
- Currencies
- 9↗
- Legal entity
- Mox Bank Limited↗
- Headquarters
- Hong Kong↗
- Founded
- 2020↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- mox.com
Loans
- APR
- 1.18% to 19.84%↗
- Loan amount
- HK$400 to HK$2,000,000↗
- Term
- 3 to 60 months↗
- Arrangement fee
- HKD 0 (no handling fee)↗
- Funding time
- Cash credited to Mox Account in as fast as 1 second upon approval, available 24/7↗
- Representative example
- Mox Instant Loan of HKD1,000,000 over 6 months: APR as low as 1.18%, total repayment HKD1,003,420↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Free early repayment
- No↗
- Eligibility
- Hong Kong ID card holder (permanent or non-permanent resident), valid Hong Kong residential and mailing address, aged 18 or above; Instant Loan requires an approved Mox Credit Card↗
- Loan types
- Personal, Debt-consolidation, Credit-line↗
- Use cases
- Home-improvement↗
- Pricing model
- Low fees
Credit cards
Personal insurance
Savings
Brokers
- Markets
- Stocks, ETFs, Crypto, Funds↗
Facts checked September 26, 2026, 16 sources
Pros and cons
Pros
- A savings balance paying 0.001% at a variable rate, with interest credited daily and usable for daily purchases
- Overseas spending on the Mox Credit Card carries FX fees of 0% and 1% cashback, on a debit card running on the mastercard network
- Instant Loan borrowing at 1.18% to 19.84% over terms of 3 to 60, funded into the account on approval, day or night
- Regulated in HK by Hong Kong Monetary Authority, with account support on phone, email and help centre
Cons
- Free early repayment: no, so paying the Instant Loan off ahead of schedule comes with a cost.
- The savings balance is an easy access account, so the variable rate can move and there is no term to lock it for.
Who it suits
- Hong Kong residents with a Hong Kong ID card who want card, savings, loan and insurance in a single app
- People who spend in several currencies and want no FX fee on overseas card purchases
- Home improvement borrowers who want cash in the account on approval
Who should look elsewhere
- Anyone applying from outside Hong Kong, since joining needs an ID card issued in Hong Kong and a Hong Kong home and mailing address
- Borrowers who want to clear debt early without a charge, as free early repayment: no
- Savers who want a notice or fixed account, as this balance is easy access
How Mox Bank compares
9.0 vs 9.4
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Where Mox Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Mox charge when I spend abroad?+
The Mox Credit Card charges FX fees of 0% on overseas purchases, and the account perks list includes 0% FX fees on overseas purchases. The card runs on the mastercard network, and the multi-currency account holds 9 currencies, so you can keep a balance in the currency you spend in.
How much interest do I earn, and can I reach my money?+
The savings balance pays 0.001% at a variable rate and is an easy access account. Interest is credited daily to the Mox Account, and the savings balance can be used for daily purchases, so the money keeps earning while it stays available.
What does the Instant Loan cost?+
The Instant Loan charges 1.18% to 19.84% across terms of 3 to 60 and amounts of HKD 400 to HKD 2,000,000, with an origination fee of HKD 0 (no handling fee), and free early repayment: no. Cash reaches the Mox Account on approval, around the clock, and home improvement is the stated purpose.
Who can open a Mox account?+
Applying takes an ID card issued in Hong Kong, permanent or non-permanent, plus documents showing a Hong Kong home and mailing address. Customers sit in the 18-70 age range, and the Instant Loan is open only once a Mox Credit Card has been approved.
Who regulates Mox Bank and where is it based?+
The bank is legally Mox Bank Limited, based in Hong Kong and regulated by Hong Kong Monetary Authority. It was founded in 2020 and lends directly as a direct lender, while insurance is arranged through a broker inside the same app.
What insurance can I get through Mox, and how do I claim?+
Cover is arranged as a broker and includes home, landlord and travel, with premiums from HKD 20 and monthly payments available. Personal accident insurance pays up to HKD2,000,000, and claims can be made on mobile app, email and phone while general support runs on phone, email and help centre.
Can I invest through Mox?+
The investing line covers stocks, etfs and crypto under a low fees model, so the range is broad and priced low rather than as a premium service. Site data puts the share of retail accounts that lose money at 70.15%, with 65.75% to 74.5% across the market.
How do I get help or make a complaint?+
Support runs on phone, email and help centre, so you can reach the team by phone, email or the help centre. Insurance claims run on a separate set of routes listed as mobile app, email and phone, and the same app handles card, savings and loan questions.
Sources
- mox.com checked September 26, 2026
Backs: Access terms, Account kind, Loan types
“With Mox, the interest on your savings is calculated and credited to your Mox Account daily”
- mox.com checked September 26, 2026
Backs: Support channels
“Please contact our Customer Care Team at +852 2888 8228”
- mox.com/about-us checked September 26, 2026
Backs: Founded, Headquarters, Regulators, Licences
“Launched in Hong Kong in September 2020, Mox is a digital bank”
- mox.com/faqs/faq-general checked September 26, 2026
Backs: Eligibility
“You can open a Mox Account if you: Have a Hong Kong Identity Card (either permanent and non-permanent resident); Have a valid Hong Kong residential and mailing address; Are 18 years old or above”
- mox.com/faqs/faq-mox-card checked September 26, 2026
Backs: Card type
“Currently all transactions using the Mox Card will deduct from your Mox account balance”
- mox.com/faqs/mgm checked September 26, 2026
Backs: Card network
“the transaction must have been processed through the Mastercard network”
- mox.com/faqs/mox-insure checked September 26, 2026
Backs: Age range, Claims channels, Provider type, Monthly payments, Premium from
“be between 18 and 70 years of age during the policy period”
- mox.com/features/insurance checked September 26, 2026
Backs: Insurance types
“Travel Pick & Go ... Home Cushion ... (Mox Insure products; Home Cushion offers Tenant, Owner Occupier or Landlord cover)”
- mox.com/features/mox-credit checked September 26, 2026
Backs: Card kind, Cashback rate, Currency conversion fee, Perks, Rewards rate, Rewards type
“Meet the Mox Credit Card”
- mox.com/features/mox-fx checked September 26, 2026
Backs: Currencies, Features
“Exchange up to 9 major currencies all in one the Mox app”
- mox.com/features/mox-invest checked September 26, 2026
Backs: Markets, Pricing model
“Explore global opportunities with HK stocks, US stocks and ETFs - including fractional shares, crypto ETFs”
- mox.com/features/savings-rate checked September 26, 2026
Backs: Headline rate, Rate type
“HKD savings base rate: HKD savings deposit Interest Rate (p.a.) No cap, no tier 0.001% ... USD savings base rate ... 0.001% ... Effective date: 1 December 2025”
- mox.com/features/smart-borrowing checked September 26, 2026
Backs: Loan amount, Free early repayment
“Loan amount (HKD) ... HKD400 to HKD2,000,000, for our loans, ranging from Instant Loan, Split Purchase, Split Statement, Instant Clear and Personal Instalment Loan and Debt Consolidation Loan”
- mox.com/personal-accident-insurance checked September 26, 2026
Backs: Cover limit
“Up to HKD2,000,000 cover - Personal Accident Cushion, in case of accidental death or permanent disablement”
- mox.com/promotions/instant-loan checked September 26, 2026
Backs: APR, Funding time, Lender type, Arrangement fee, Representative example, Term, Use cases
“The Annualised Percentage Rate ranges from 1.18% to 19.84%, with repayment period of 3 to 60 months.”
And 1 more source page.
Compiled from 16 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Related by the facts
Mox Bank
Hong Kong residents who want spending, savings, borrowing and insurance in a single app.