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Mox Credit lets you earn more CashBack at over 80 popular merchants with no annual fee. Get an instant application decision and use it right away. (T&C 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’s no annual fee and no 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.

+ Make expenses more manageable
Mox Credit lets you split eligible transactions into more manageable instalments over a period of up to 36 months. You can also ‘Flip’ between spending from your Mox Account (debit) and Mox Credit on the same Mox Card, all it takes is a tap!

+ One Mox Card does it all
Numberless, no expiry date or CVV on the physical card, reducing your risk of losing personal information. With the 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!

+ 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.

+ 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 HK with protection up to HKD500,000.

+ 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

+ Continued use of GPS and video/voice chat running in the background can dramatically decrease battery life.

What’s New

Version 1.5.6

We heard you and have added the time-saving feature of ‘Save bill payee’ to our ‘Pay bills’ function. We’ve also squashed some minor bugs to give you an enhanced experience.

Ratings and Reviews

4.7 out of 5
77 Ratings

77 Ratings

GTeras ,

Super app

Very user friendly, best of all I have used so far.

Chrisssss4365 ,

Shut down account due to technical glitch

My first experience on Mox was excellent, highly convenient and easy to manage my spending. However, when I switched phones and tried to reinstall the app I was locked out due to a technical error. Four weeks later speaking to Customer support once every two days and finally they get back to me to tell me they have to shut down my account before opening a new one. As you can imagine this is highly unusual and a huge inconvenience. I wish the company the best going forward and hope that they’re able to address these serious technical bugs. For the time being I will not be using Mox.

Joshua Ma songlei ,


very easy to use
like it!!

App Privacy

The developer, Mox Bank Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers
  • Usage Data
  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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