Mox Bank Review [2025]: Features, Fees & Alternatives

Launched in 2020, Mox is a Hong Kong-licensed digital bank that provides mobile-only personal banking services, without physical branches. The bank is in partnership with Hong Kong Telecom (HKT), Pacific Century CyberWorks Limited (PCCW), and Trip.com.

Today, Mox is used by Hong Kong residents for everyday personal banking activities such as payments, transfers, savings, and card management, with a primary focus on Hong Kong dollar transactions.

In this review, we’ll outline Mox’s key features, fees, eligibility requirements, account opening process, and feedback from real users to help you understand how the bank works and who it may be suitable for.

Mox keeps their account fees mostly straightforward, especially for everyday local use. Domestic transfers and ATM withdrawals within the JETCO network are free, while international transfers and foreign currency services come with more noticeable charges. Here is a breakdown of what users can expect to pay.

Mox app will show the breakdown of charges before you confirm a transfer. 

The information is based on the Mox Fee Schedule that is accessible as of December 2025. You can view the full fee schedule on the Mox Fees and Charges page.

Mox provides a range of Hong Kong–focused personal banking services, including a basic bank account, card, investment product, loans, and insurance. 

The Mox account is the core product that bundles daily spending and saving into one, mainly supporting HKD, while also letting you earn savings interest in several other currencies. In this section, we’ll highlight the key features.

You can send and receive HKD at any time within Hong Kong, with local HKD and RMB transfers processed in real time. USD can be sent to over 20 Hong Kong banks, although these transfers take a few working days. 

For international needs, Mox offers overseas transfers through Express Remit, powered by Wise, in supported currencies such as CAD, AUD, EUR, and GBP to countries where the currency is used as the national currency (for example, CAD to Canada). Mox also supports conversion between HKD, AUD, CAD, CNY, EUR, GBP, JPY, NZD, SGD, and USD. 

Balances in the Mox Account can earn daily interest on HKD, USD, and other supported currencies, including AUD, CAD, CNY, EUR, GBP, JPY, NZD, and SGD. You can also create up to 10 HKD subaccounts to organise savings for different purposes. For fixed-term saving, Mox offers time deposits in HKD and USD.  

As of December 2025, interest rates are 0.001% for HKD and USD, and 0.01% for other currencies. Time deposit rates are up to 3% for HKD and 3.35% for USD.  

With a Mox account, you can also apply for a physical and digital numberless card that lets you switch between your Mox account balance ( debit card) and Mox Credit ( credit card). The card works with Apple Pay and Google Pay, and supports JETCO and Mastercard ATM networks worldwide for transfers and HKD cash withdrawals. 

Mox card also offers miles and unlimited cashback at supermarkets in Hong Kong and everywhere else with no cap and no category limits, calculated instantly and credited daily. Lastly, eligible transactions can be paid in installments using their “Split Purchase” feature. 

Opening a Mox account is entirely digital via their mobile app. To get started, download the Mox app from the App Store or Google Play, or visit https://mox.com/ and click “Get Mox” in the top right corner to scan the QR code.

The app will guide you through the process step by step. You’ll need to provide your information, upload supporting documents, and take a selfie. 

Here’s a quick overview of the eligibility requirements, and the information and documents you’ll need

To open a Mox account, you must meet the following requirements:

• Be a permanent or non-permanent resident with the HKID
• Be at least 18 years old
• Have a Hong Kong residential and mailing address

• Hong Kong identity card (HKID) 
• Information on your nationality, place of birth, and your preferred name for the account
• Contact Information, including mobile number, email address, and your residential or mailing address
• Tax Information, including the tax residency country or city, and your tax identification number
• Employment details and income information
• The reason for opening the account

Let’s take a look at what users are saying about Mox across major app platforms to get a broader perspective.

Mox Google Play Store Rating is 4.8/5 based on over 31,000 reviews. 

On Google Play, the Mox mobile app receives high praise for the smooth, intuitive, and user-friendly design. The lower ratings mention technical issues, transaction limits, difficulty reaching customer support, and complex credit eligibility.

Overall, the app works well for daily tasks, but occasional interruptions may occur. The main weakness appears when help is needed, since customer support responses can feel slow. 

Mox has a 4.8 rating in the App Store based on over 80,000 reviews in Hong Kong. Users like the app for the user-friendly design, while the most common criticisms involve technical issues and unsatisfactory responses from customer support.

In general, the app is reliable for routine use, although when problems come up, users may need extra patience with support.

Mox performs strongly in terms of usability and design, which is the main appeal to users.  However, limitations in transfer limit, technical reliability and customer support suggest that, while the app is well-suited for routine banking tasks, it may struggle with higher-value transactions or when issues arise.

Mox’s Trustpilot profile is unclaimed and has very limited visibility and traction. With only three reviews currently available, there isn't much to gain insight from. The lack of Trustpilot activity suggests that the customer base interacts mostly through mobile channels rather than website platforms.