Updated October 16, 2026 · VaultCue Editorial Team
ACM Holding virtual bank vs Mox Bank
ACM Holding virtual bank
Mox Bank
Higher score in this comparison
What sets them apart
| Compare | ACM Holding virtual bankReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | Not confirmed | 0.001% |
| Rate type | Not confirmed | Variable |
| Access terms | Not confirmed | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Monthly fee | Not confirmed | HK$0 |
| Account kind | Not confirmed | Easy access |
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Our verdict on each
ACM Holding virtual bank
A 2025 notice gave ACM conditional approval, not an operating licence.
Mox Bank
Mox Bank suits readers who want a digital-only account that credits interest daily and moves money across several currencies, not the highest savings rate. The monthly fee on the easy access account is HKD 0, transfers carry fees of HKD 0, and the savings rate is 0.001%.
Score breakdown
| Area | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | Not confirmed | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. |
| Trust | Not confirmed | 8.1 |
How they place
| Ranking | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Savings accounts | 1407 of 1420 | 559 of 1420 |
Every fact side by side
| Fact | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Legal entity | Not confirmed | Mox Bank Limited |
| Headquarters | Not confirmed | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Not confirmed | Email, Phone, Help centre, Community |
Everyday accounts
| Fact | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Currencies | Not confirmed | 17 |
| Features | Not confirmed | Digital only |
| Transfer fee | Not confirmed | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 |
Money transfer
| Fact | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Delivery time | Not confirmed | 20 seconds to 1 week |
| Payout methods | Not confirmed | Bank, Wallet |
| Fee to send 1,000 | Not confirmed | HK$0 |
Where each stands against the rest
| Fact | ACM Holding virtual bank | Mox Bank | Median |
|---|---|---|---|
| Headline rate | Not confirmed | 0.001%lowest quarter | 3.25% |
| Monthly fee | Not confirmed | HK$0at the median | HK$0 |
Median across 658 listed accounts.
Pros and cons
Mox Bank
Pros
- A monthly fee of HKD 0 on the account, with a no monthly fee and low fx pricing model.
- Transfer fees of HKD 0 on Express Remit transfers, paying out to bank and wallet.
- Interest is credited daily and the savings balance is usable for daily purchases.
Cons
- The savings rate of 0.001% sits far under the 3% common across the accounts compared here.
- The service is digital only, so everything runs through the app rather than a branch.
- Transfers can take 20 seconds to 1 week to arrive.
Who each suits
Mox Bank
Who it suits
- People who want the same balance to cover daily spending and savings, with interest credited daily.
- Readers who send money abroad regularly and value transfer fees of HKD 0.
- Anyone banking entirely in an app across 17 currencies.
Who should look elsewhere
- Anyone chasing a high savings rate, since AXI Card Tarjeta y Credito shows 21.59%.
- Readers who want more from a savings product: PayPal Colombia lists 3.3%.
- Plazo ES suits people who prefer a headline rate of 24.19% over daily crediting.
Current offers
Mox Bank
Current offer
Bonus
Mission Bonus Rate: Up to 3.5% p.a. on deposit
Stacking missions; see Mission Bonus Rate Promotion (2026) Terms and Conditions
Source, checked September 26, 2026
Bonus
Mox Payroll: 1.5% p.a. savings top up
Set payroll with Mox; see Payroll Transfer Promotion Terms and Conditions
Source, checked September 26, 2026
Country by country
| Country | ACM Holding virtual bank | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
Questions about each
Mox Bank
What does Mox Bank charge to keep an account open?+
The account carries a monthly fee of HKD 0, and the pricing model is no monthly fee and low fx. That matches the €0 median monthly fee across the accounts compared here, which leaves the account among the cheapest digital banks to hold.
How much interest do I earn on Mox savings?+
The headline rate is 0.001% and the rate type is variable, so the return can move rather than staying fixed for a term. Interest is credited daily to the Mox Account, and the savings balance can be spent on everyday purchases. Readers shopping for yield should compare the 3% median here.
Who regulates Mox Bank, and is my money protected?+
Mox Bank Limited is listed in the Hong Kong licence record with the Securities and Futures Commission under CE number: BNO808, alongside a Hong Kong Monetary Authority licence. The brand is based in Hong Kong and was founded in 2020. Read those licence terms to see what applies to a savings balance.
How fast is an international transfer?+
Delivery time is 20 seconds to 1 week, so the quickest transfers land almost at once while the slowest run about a week. Transfers run through Express Remit, and 17 currencies are covered. Which end of that range applies depends on the destination and the payout route.
Other options to compare
Related by the facts
ACM Holding virtual bank
Mox Bank