Updated October 13, 2026 · VaultCue Editorial Team
BBVA Deutschland vs Mox Bank
BBVA Deutschland
Mox Bank
Higher score in this comparison
BBVA Deutschland vs Mox Bank: the differences
| Compare | BBVA DeutschlandReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | Not confirmed | HK$0 |
| Currencies | Not confirmed | 17 |
| Transfer fee | Not confirmed | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 |
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Our verdict on each
BBVA Deutschland
BBVA Deutschland centres its everyday range on an app managed current account with German IBAN and debit card alongside savings tools and in app credit options. It appeals to people who want fully digital handling with round the clock human support and features for spending, saving and travel.
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 | BBVA Deutschland | 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 | BBVA Deutschland | Mox Bank |
|---|---|---|
| Savings accounts | 786 of 1420 | 559 of 1420 |
Every fact side by side
| Fact | BBVA Deutschland | Mox Bank |
|---|---|---|
| Pricing model | Not confirmed | No monthly fee, Low FX |
| Features | Not confirmed | Digital only |
| Legal entity | Not confirmed | Mox Bank Limited |
| Headquarters | Germany | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Not confirmed | Email, Phone, Help centre, Community |
Savings
| Fact | BBVA Deutschland | Mox Bank |
|---|---|---|
| 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 |
| Account kind | Not confirmed | Easy access |
Money transfer
| Fact | BBVA Deutschland | 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 | BBVA Deutschland | Mox Bank | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | HK$0at the median | HK$0 |
| Currencies | Not confirmed | 17highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
BBVA Deutschland
Pros
- Current account with German IBAN and debit card managed entirely in the app
- Smart saving functions with rules and a separate box for building reserves
- Worldwide card payments plus travel tips and budget tracking in the app
Cons
- Digital only service without branches for people who prefer face to face help
- Everyday range focuses on a single account model with app based operation
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
BBVA Deutschland
Who it suits
- People managing daily spending mainly through a mobile app
- Travellers wanting worldwide card use and in app trip planning
Who should look elsewhere
- People wanting branch service for everyday banking
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 | BBVA Deutschland | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
Questions about each
BBVA Deutschland
What everyday account does BBVA Deutschland offer?+
BBVA Deutschland offers an app managed current account with German IBAN and debit card for daily needs. Customers handle payments worldwide and use the digital card directly after opening. Real time transfers and a savings box support routine household organisation within the same app.
How does the mobile app support daily banking?+
The BBVA app gathers daily banking functions such as transfers, savings controls and travel planning in one place. Smart saving rules help build reserves while additional tools support longer planning goals. Travel tips and budget tracking help organise spending during trips abroad.
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.
Other options to compare
Related by the facts
BBVA Deutschland
Mox Bank