Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs Mox Bank
Kaspi.kz
Mox Bank
Higher score in this comparison
What sets them apart
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | Mox BankReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | HK$0 |
| Transfer fee | Free to other Kaspi clients | 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 Kaspi.kz: 2002 vs 2020.
- Support channels: only Kaspi.kz offers Chat.
- Support channels: only Mox Bank offers Email, Community.
- Pricing model: only Mox Bank offers Low FX.
- Features: only Kaspi.kz offers Free ATM.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
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 | Kaspi.kz | 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 | 9.0Higher | 8.1 |
How they place
| Ranking | Kaspi.kz | Mox Bank |
|---|---|---|
| Savings accounts | 1032 of 1420 | 559 of 1420 |
| Money transfer services | 943 of 1564 | 425 of 1564 |
| Online banks | 283 of 402 | 190 of 402 |
Every fact side by side
| Fact | Kaspi.kz | Mox Bank |
|---|---|---|
| Audience | Teen, Business | Not confirmed |
| Pricing model | No monthly fee | No monthly fee, Low FXCovers more |
| Features | Free ATM, Digital onlyCovers more | Digital only |
| Legal entity | Kaspi Bank JSC | Mox Bank Limited |
| Headquarters | Kazakhstan | Hong Kong |
| Founded | 2002Lower | 2020 |
| Support channels | Phone, Chat, Help centre | Email, Phone, Help centre, Community |
Savings
| Fact | Kaspi.kz | Mox Bank |
|---|---|---|
| Headline rate | 15%Higher | 0.001% |
| Rate type | Variable | Variable |
| Minimum deposit | KZT 1,000 | Not confirmed |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Interest credited daily to the Mox Account; savings balance usable for daily purchases |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | Mox Bank |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | 20 seconds to 1 week |
| Payout methods | Bank, Card, WalletCovers more | Bank, Wallet |
| Fee to send 1,000 | KZT 0 | HK$0 |
Where each stands against the rest
| Fact | Kaspi.kz | Mox Bank | Median |
|---|---|---|---|
| Currencies | Not confirmed | 17highest quarter | 5 |
Median across 536 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
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
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz | Mox Bank |
|---|---|---|
| Hong Kong | No | Yes |
| Kazakhstan | Yes | No |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
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
Kaspi.kz
Mox Bank