Updated September 29, 2026 · VaultCue Editorial Team
Imagin vs Mox Bank
Imagin
Higher score in this comparison
Mox Bank
Imagin vs Mox Bank: the differences
| Compare | ImaginReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0% | 0.001%Higher |
| Access terms | Savings withdrawable at any time, in part or in full; Huchas is a sight current account with operational limitations, and an open imaginBank account is required to contract it | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Monthly fee | €0 | HK$0 |
| Minimum deposit | €20 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Headline rate is higher at Mox Bank: 0.001% vs 0%.
- Support channels: only Imagin offers Chat.
- Support channels: only Mox Bank offers Email, Phone, Community.
- Pricing model: only Mox Bank offers Low FX.
Our verdict on each
Imagin
Imagin suits expats and travelers in Spain who want free everyday banking with money parked in an easy-access pot. The appeal is the fee-free running of the account, offset by a 0% headline rate that sits near the bottom of the savings field.
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 | Imagin | Mox Bank |
|---|---|---|
| Cost | 8.8Monthly fee of €0, free SEPA transfers and a currency conversion fee of 0%, so running costs sit at the floor of €0. | 9.1Higher |
| Offer | 8.3The 0% headline on an easy access account ranks 458 of 473, so little interest is on offer. | 8.9HigherA 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 | Imagin | Mox Bank |
|---|---|---|
| Savings accounts | 555 of 1420 | 559 of 1420 |
| Online banks | 186 of 402 | 190 of 402 |
Every fact side by side
| Fact | Imagin | Mox Bank |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Legal entity | imaginersGen, S.A. | Mox Bank Limited |
| Headquarters | Spain | Hong Kong |
| Founded | Not confirmed | 2020 |
| Support channels | Chat, Help centre | Email, Phone, Help centre, Community |
Everyday accounts
| Fact | Imagin | Mox Bank |
|---|---|---|
| Currency conversion fee | 0% | Not confirmed |
| Currencies | Not confirmed | 17 |
| Audience | Expats, Travelers | Not confirmed |
| Features | Free ATM, Joint account, Digital onlyCovers more | Digital only |
| Local account details | IBAN | Not confirmed |
| Transfer fee | Free SEPA transfers (0 EUR) | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 |
Money transfer
| Fact | Imagin | 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 | Imagin | Mox Bank | Median |
|---|---|---|---|
| Headline rate | 0%lowest quarter | 0.001%lowest quarter | 3.25% |
| Minimum deposit | €20above the median | Not confirmed | €1 |
Median across 658 listed accounts.
Pros and cons
Imagin
Pros
- Monthly fee of €0 on the savings account, matching a site median of €0
- Free SEPA transfers (0 EUR) and a currency conversion fee of 0% on the travel card
- EU DGS up to EUR 100,000 under the EU scheme
Cons
- A 0% headline rate that ranks 458 of 473
- variable rate, so the return on savings can move
- Support runs on chat and help centre only
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
Imagin
Who it suits
- Expats and travelers holding euros in Spain
- Anyone who wants a no-fee current account with a small savings pot
- People who want the free-atm, joint-account, digital-only feature set
Who should look elsewhere
- Savings hunters who want a competitive return, where AXI Card Tarjeta y Credito and Plazo ES pay more
- People who need phone support, since help runs on chat and help centre
- Anyone wanting a standalone savings account, as an open imaginBank account is required
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
Imagin
Current offer
Bonus
Get up to EUR 750 for joining imagin (salary domiciliation): Up to EUR 250: EUR 250 if salary from EUR 1,500 or more; EUR 150 if salary between EUR 900 and EUR 1,499.99
Salary must be direct-debited within the first 4 months of becoming a customer and the account kept open for at least 48 months; not valid if the customer already used a salary/pension/sole-trader domiciliation offer since 1 January 2022 or if the salary comes from another CaixaBank account; valid throughout the Spanish territory
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 | Imagin | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
| Spain | Yes | No |
Questions about each
Imagin
What interest does the Imagin savings account pay?+
The headline rate is 0% and the rate type is variable. That places it 458 across 473 brands ranked on headline rate, so the balance is there for convenience rather than growth.
Is my money protected at Imagin?+
Deposits are covered under EU DGS up to EUR 100,000, the EU guarantee scheme. The provider is listed with Banco de España under licence 2100, so the balance sits inside a supervised scheme in Spain.
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
Other matchups
Related by the facts
Imagin
Mox Bank