Updated September 29, 2026 · VaultCue Editorial Team
Mox Bank vs Salt Bank
Mox Bank
Salt Bank
Higher score in this comparison
Where Mox Bank and Salt Bank differ
| Compare | Mox BankReviewSee alternativesSee alternatives | Salt BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | 5.3% to 5.9%Higher |
| Rate type | Variable | Fixed |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | 3, 6 or 12 month terms in RON, EUR or USD; interest paid at maturity to the current account; deposits guaranteed up to EUR 100,000 per depositor by FGDB |
| Monthly fee | HK$0 | RON 0 |
| Account kind | Easy access | Fixed |
| Term | Not confirmed | 3 to 12 months |
| Minimum deposit | Not confirmed | RON 500 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
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Key differences
- Salt Bank scores higher overall: 9.5 vs 8.6.
- Salt Bank is available in 9 more countries.
- Headline rate is higher at Salt Bank: 5.3% to 5.9% vs 0.001%.
- Support channels: only Mox Bank offers Community.
- Support channels: only Salt Bank offers Chat.
Our verdict on each
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%.
Salt Bank
Salt Bank is built for expats and travellers who bank across Romania and further afield: 19 currencies sit on the same account, local receiving details are iban, and Banca Nationala a Romaniei supervises the bank, with a savings option alongside that pays out at maturity. It scores 7.7 in the comparison.
Score breakdown
| Area | Mox Bank | Salt Bank |
|---|---|---|
| Cost | 9.1 | 9.4HigherMonthly charge of RON 0, conversion of 0% and 0 commission for incoming and outgoing payments in Romania in Romania. |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 9.5HigherA fixed deposit at 5.3% to 5.9% over 3 to 12, under EU DGS up to EUR 100,000. |
| Trust | 8.1 | Not confirmed |
Where they rank in our lists
| Ranking | Mox Bank | Salt Bank |
|---|---|---|
| Savings accounts | 559 of 1420 | 73 of 1420 |
| Online banks | 190 of 402 | 17 of 402 |
Every fact side by side
| Fact | Mox Bank | Salt Bank |
|---|---|---|
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Legal entity | Mox Bank Limited | Salt Bank S.A. |
| Headquarters | Hong Kong | Romania |
| Founded | 2020 | Not confirmed |
| Support channels | Email, Phone, Help centre, Community | Email, Chat, Phone, Help centre |
Everyday accounts
| Fact | Mox Bank | Salt Bank |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 17 | 19Higher |
| Audience | Not confirmed | Expats, Travelers |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | RON 900 |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | 0 commission for incoming and outgoing payments in Romania |
Money transfer
| Fact | Mox Bank | Salt Bank |
|---|---|---|
| Delivery time | 20 seconds to 1 week | Not confirmed |
| Payout methods | Bank, Wallet | Not confirmed |
| Fee to send 1,000 | HK$0 | Not confirmed |
Where each stands against the rest
| Fact | Mox Bank | Salt Bank | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | 5.3% to 5.9%highest quarter | 3.25% |
| Term | Not confirmed | 3 to 12 monthsbelow the median | 24 |
Median across 658 listed accounts.
Pros and cons
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.
Salt Bank
Pros
- Help is available by email, chat and phone.
- Cash withdrawals come with a free allowance of RON 900.
- Term deposits run in RON, EUR or USD and the interest lands in the current account at maturity.
Cons
- The service is digital only, per free atm and digital only, so there is no branch counter for cash or paperwork.
- Local receiving details are iban only, which limits how money can be received from other markets.
- The fixed deposit needs a minimum of RON 500 and ties the money up for the whole term.
Who each suits
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.
Salt Bank
Who it suits
- Expats and travellers named under expats and travelers, who want local and overseas money in the same account.
- Anyone paid in and out in Romania, since 0 commission for incoming and outgoing payments in Romania there.
- Savers who can wait for interest at maturity and collect it in the current account.
Who should look elsewhere
- Not a fee-based decision: Skrill charges €0 a month and eToro £0, so price alone does not separate them.
- Not for people who need UK sort code or US routing numbers for incoming pay, since local details are iban only, the gap to weigh against PayPal Colombia.
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
Salt Bank
Current offer
First period offer
Prima luna este gratuit (first month free): First month of any Salt plan free
Applies to the Salt, Salt Everyday and Salt Premium plans on opening
Source, checked September 26, 2026
Bonus
13-lea salariu (13th salary campaign): An extra salary when you bring your salary to Salt
Source, checked September 26, 2026
Country by country
| Country | Mox Bank | Salt Bank |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Hong Kong | Yes | No |
| Ireland | No | Yes |
| Italy | No | Yes |
| Netherlands | No | Yes |
8 of 11 countries where either is available.
Questions about each
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.
Salt Bank
What does a Salt Bank account cost?+
The monthly fee is RON 0 and the currency conversion fee is 0%, so there is no monthly or conversion charge to budget for. Payments in and out in Romania run at 0 commission for incoming and outgoing payments in Romania, and cash withdrawals include a free allowance of RON 900. The conversion fee sits at rank 1 among the brands compared.
Is my money protected at Salt Bank?+
Deposits are covered by EU DGS up to EUR 100,000, so a balance up to that limit is repaid by the scheme if the bank fails. The Romanian guarantee fund FGDB guarantees deposits per depositor as well, and the bank answers to Banca Nationala a Romaniei under licence P.J.R. 40-043.
Other options to compare
Other matchups
Related by the facts
Mox Bank
Salt Bank