Updated October 21, 2026 · VaultCue Editorial Team
BoursoBank vs Mox Bank
BoursoBank
Higher score in this comparison
Mox Bank
BoursoBank vs Mox Bank: the differences
| Compare | BoursoBankReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | €0 | HK$0 |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| 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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Key differences
- BoursoBank scores higher overall: 9.4 vs 8.6.
- Founded is lower at BoursoBank: 1998 vs 2020.
- Support channels: only BoursoBank offers Chat.
- Support channels: only Mox Bank offers Community.
Our verdict on each
BoursoBank
BoursoBank suits anyone who wants a French bank with no monthly fee and free currency exchange abroad. Deposits sit under EU deposit guarantee, and the savings side pays a variable rate on an easy-access account. It is a good fit for travellers and for savers who want access at any time.
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 | BoursoBank | Mox Bank |
|---|---|---|
| Cost | 9.4HigherMonthly fee of €0 and a conversion fee of 0%, plus a 1.5% to 2.5% variable rate on savings. | 9.1 |
| Offer | 9.8Higher | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. |
| Trust | 9.1Higher | 8.1 |
How they place
| Ranking | BoursoBank | Mox Bank |
|---|---|---|
| Savings accounts | 85 of 1420 | 559 of 1420 |
| Online banks | 18 of 402 | 190 of 402 |
Every fact side by side
| Fact | BoursoBank | Mox Bank |
|---|---|---|
| Audience | Travelers | Not confirmed |
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Features | Digital only | Digital only |
| Legal entity | Boursorama SA | Mox Bank Limited |
| Headquarters | France | Hong Kong |
| Founded | 1998Lower | 2020 |
| Support channels | Email, Phone, Chat, Help centre | Email, Phone, Help centre, Community |
Savings
| Fact | BoursoBank | Mox Bank |
|---|---|---|
| Headline rate | 1.5% to 2.5%Higher | 0.001% |
| Rate type | Variable | Variable |
| Minimum deposit | €10 | Not confirmed |
| Access terms | Deposits and withdrawals free at any time, minimum balance EUR 10, up to 4 booklets, requires a BoursoBank current account | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | BoursoBank | 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 | BoursoBank | Mox Bank | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | Not confirmed | 17highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
BoursoBank
Pros
- Monthly fee of €0, in line with the site median of €0
- Currency conversion fee of 0%, against a site median of 0.5%
- Savings pays a variable rate of 1.5% to 2.5% with a minimum deposit of €10
Cons
- The savings account requires a BoursoBank current account
- The savings rate is variable, so it can move with the bank's rate decisions
- The account is digital-only, which suits people who bank mainly on screen
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
BoursoBank
Who it suits
- Travellers who spend and withdraw money abroad often
- Savers who want a variable rate and access to their money at any time
- Customers happy to run a current account to unlock the savings side
Who should look elsewhere
- Bit2Me, if you want a different kind of service, since its conversion fee is 0.95%
- bunq, if you prefer a set monthly plan, since its conversion fee is 3%
- Varo Visa Debit Card, if you would rather hold a card-led account with a monthly fee of $0
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 | BoursoBank | Mox Bank |
|---|---|---|
| France | Yes | No |
| Hong Kong | No | Yes |
Questions about each
BoursoBank
What does BoursoBank charge each month?+
The monthly fee is €0, and the site median for monthly fees is €0. BoursoBank ranks at position 1 of 500 brands on this measure. The bank is run on a no monthly fee model.
What does it cost to spend money abroad?+
The currency conversion fee is 0%, against a site median of 0.5% and an upper quartile of 2.08%. BoursoBank places at position 1 of 312 brands. Travellers are one of the groups it aims at.
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
BoursoBank
Mox Bank