Updated October 13, 2026 · VaultCue Editorial Team
Halyk Bank vs Mox Bank
Halyk Bank
Mox Bank
Higher score in this comparison
Halyk Bank vs Mox Bank: the differences
| Compare | Halyk BankReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | HK$0 |
| Transfer fee | 0.1% (minimum USD 3) | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 |
| Currencies | Not confirmed | 17 |
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Key differences
- Founded is lower at Halyk Bank: 1923 vs 2020.
- Support channels: only Mox Bank offers Community.
- Pricing model: only Mox Bank offers Low FX.
Our verdict on each
Halyk Bank
Halyk Bank provides a fixed account that opens and manages balances through the Halyk app with online top up and partial and cash withdrawal functions. It suits people who want app centred control with automatic prolongation that passes matured balances onward.
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 | Halyk Bank | Mox Bank |
|---|---|---|
| Cost | Not confirmed | 9.1 |
| Offer | 9.2Higher | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. |
| Trust | 9.8Higher | 8.1 |
How they place
| Ranking | Halyk Bank | Mox Bank |
|---|---|---|
| Savings accounts | 1083 of 1420 | 559 of 1420 |
| Money transfer services | 1007 of 1564 | 425 of 1564 |
| Online banks | 295 of 402 | 190 of 402 |
Every fact side by side
| Fact | Halyk Bank | Mox Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Digital only | Digital only |
| Legal entity | Halyk Bank JSC | Mox Bank Limited |
| Headquarters | Kazakhstan | Hong Kong |
| Founded | 1923Lower | 2020 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, CommunityCovers more |
Savings
| Fact | Halyk Bank | Mox Bank |
|---|---|---|
| Headline rate | Not confirmed | 0.001% |
| Rate type | Fixed | Variable |
| Term | 6 to 12 months | Not confirmed |
| Minimum deposit | KZT 1,000 | Not confirmed |
| Access terms | Opened and managed in the Halyk app; online top-up 24/7; partial withdrawal allowed; online withdrawal with no commission; cash withdrawal 24/7; monthly interest with or without capitalisation; automatic prolongation 3 times, then moved to the depositor's account | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | Halyk Bank | Mox Bank |
|---|---|---|
| Delivery time | 15 minutes to 1 day | 20 seconds to 1 week |
| Payout methods | Bank, Wallet, CardCovers more | Bank, Wallet |
| Fee to send 1,000 | $3 | HK$0 |
Where each stands against the rest
| Fact | Halyk Bank | Mox Bank | Median |
|---|---|---|---|
| Currencies | Not confirmed | 17highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Halyk Bank
Pros
- Opens and manages a fixed account inside the Halyk app.
- Supports online top up with partial withdrawal plus online and cash withdrawal options.
- Provides automatic prolongation that transfers balances to the depositor account afterwards.
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
Halyk Bank
Who it suits
- Savers who prefer app centred account management
- People who want structured savings with withdrawal flexibility
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
Halyk Bank
Current offer
Bonus
Halyk Bonus Digital payment bonuses: Bonuses (cashback) on payments in the Halyk app and at Halyk POS terminals
Pay by Halyk QR, Apple Pay, Samsung Pay or Google Pay at Halyk POS terminals, or pay in the Halyk app (excluding transactions where only bonus payment is available); bonus accrual has special terms; plastic card ordered from the app is delivered free of charge
Source, checked September 26, 2026
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 | Halyk Bank | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
Halyk Bank
What does Halyk Bank offer for everyday saving?+
Halyk Bank provides a fixed account that opens and handles activity through the app. Online top up adds funds while partial withdrawal keeps access flexible. Online and cash withdrawal routes handle outgoing funds within the account structure.
How does app access work for this account?+
Opening and ongoing management take place in the app for everyday control. Top up happens online while partial withdrawal remains available during the placement. Withdrawal can proceed online or as cash depending on need.
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
Halyk Bank
Mox Bank