Mox Bank

Mox Credit lets you earn more CashBack at popular merchants with no annual fee. Get an instant application decision and use it right away (T&Cs apply).

Before kick-starting your Mox experience, we’d like to introduce who we are. Mox is a virtual bank backed by Standard Chartered, in partnership with HKT, PCCW and Trip.com.

+ Open an account in as fast as 3 minutes
Open your account now from the convenience of your phone, all it takes is your HKID Card and Hong Kong address. No more queuing or pages and pages of documents to sign. And it’s free with no minimum balance requirements.

+ Get Mox Credit. It’s better than a credit card
Apply for Mox Credit and get an application decision in real-time*, and once approved, start spending right away! There’re no annual fee and minimum spend requirements. To borrow or not to borrow? Borrow only if you can repay!

*In some circumstances, we may require you to provide supporting documents when you apply for Mox Credit. The approval time for Mox Credit is subject to individual circumstances.

+ One Mox Card does it all
Numberless, no expiry date or CVV on the physical card, reducing your risk of losing personal information. With Mox Card, you can also withdraw cash at JETCO ATM for free.

+ No waiting, instant use
Access your digital card right away using the Mox app or add it to Apple Pay. Use the card number in the app instantly for online purchases and more!

+ Flexibility to manage your finances
Use Split Purchase to split eligible transactions on Mox Credit into more flexible instalments. Or apply for Instant Loan to borrow extra cash anytime. All it takes is a few taps, with no extra documents required.

+ Every day is an interest-earning day
Get closer to the Goals you're saving for with daily interest on all your money with Mox, no matter how small. Real-time monitoring of the daily interest paid to your Mox Account and Goals every day, even on weekends and public holidays.

+ Grow your savings your preferred way
Set up your Saving Goals, name them as you like and track your progress in real-time. Use the Savings Calculator to automate your saving habits.

+ Move money on the go
Pay, receive and request money from anyone, anywhere in Hong Kong.

+ Pay bills now and repay later
Make payments easily to more than 900 organisations from your Mox Account, Goal accounts or Mox Credit with our Pay Bills function. Enjoy up to 56 interest-free days when you pay with Mox Credit.

+ Safety first
Get instant notifications and 24/7 monitoring of all transactions. Strong encryption, biometric login, Lost Wallet and E-Commerce Fraud Protection – all to protect your account, transactions and personal information.

+ Your money protected
Mox is a member of the Deposit Protection Scheme in Hong Kong. Eligible deposits taken by Mox are protected by the Scheme up to a limit of HKD500,000 per depositor.

+ Customer Service – your way, the VIP way
We are available 24/7, and wherever you need us. Reach us directly in the app using voice call or use the in-app chat. It's up to you.

+ Don’t just take our word for it:
"Standard Chartered: Spearheading a cutting-edge virtual bank [..] redefining Hong Kong's financial sector. " - Fintech Magazine