Updated September 29, 2026 · VaultCue Editorial Team
Mox Bank vs Satispay
Mox Bank
Satispay
Higher score in this comparison
Where Mox Bank and Satispay differ
| Compare | Mox BankReviewSee alternativesSee alternatives | SatispayReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | 2.61%Higher |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | Immediate availability, no lock-in, no withdrawal limits; savings moved instantly to Disponibilita |
| Monthly fee | HK$0 | €0 |
| Minimum deposit | Not confirmed | €0 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Same on both: Rate type (Variable), Account kind (Easy access).
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Key differences
- Satispay scores higher overall: 8.9 vs 8.6.
- Founded is lower at Satispay: 2014 vs 2020.
- Satispay is available in 29 more countries.
- Headline rate is higher at Satispay: 2.61% vs 0.001%.
- Support channels: only Mox Bank offers Community.
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%.
Satispay
Satispay suits everyday spenders and travellers who want no monthly charge, cheap currency conversion and instant transfers between users. The monthly fee is €0, the conversion fee is 0.5%, and the trade off is the savings yield, which sits at 2.61% against a site median of 3%.
Score breakdown
| Area | Mox Bank | Satispay |
|---|---|---|
| Cost | 9.1 | 9.2HigherMonthly fee of €0, currency conversion fee of 0.5% and free transfers to contacts sit well against the site median of 0.5%. |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 9.3HigherSavings pay 2.61% at a variable rate with a €0 minimum, plus €200 of free ATM use. |
| Trust | 8.1 | 8.5Higher |
How they place
| Ranking | Mox Bank | Satispay |
|---|---|---|
| Savings accounts | 559 of 1420 | 435 of 1420 |
| Money transfer services | 425 of 1564 | 322 of 1564 |
| Online banks | 190 of 402 | 133 of 402 |
Every fact side by side
| Fact | Mox Bank | Satispay |
|---|---|---|
| Pricing model | No monthly fee, Low FX | No monthly fee, Low FX |
| Legal entity | Mox Bank Limited | Satispay Europe SA |
| Headquarters | Hong Kong | Luxembourg |
| Founded | 2020 | 2014Lower |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Phone, Help centre |
Everyday accounts
| Fact | Mox Bank | Satispay |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.5% |
| Currencies | 17 | Not confirmed |
| Audience | Not confirmed | Travelers, Business |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €200 |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | Free to send and receive money to contacts and for SEPA transfers (0 EUR); instant availability top-up 1.00 EUR |
Money transfer
| Fact | Mox Bank | Satispay |
|---|---|---|
| Exchange rate markup | Not confirmed | 0.5% to 1% |
| Delivery time | 20 seconds to 1 week | Real time, instant between Satispay users |
| Payout methods | Bank, Wallet | Bank, Wallet, CardCovers more |
| Fee to send 1,000 | HK$0 | €0 |
Where each stands against the rest
| Fact | Mox Bank | Satispay | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | 2.61%below the median | 3.25% |
| Minimum deposit | Not confirmed | €0below the median | €1 |
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.
Satispay
Pros
- A monthly fee of €0, and Satispay ranks 1 of 500 on cost
- Transfers between Satispay users are Real time, instant between Satispay users, and the transfer fee to contacts is €0
- Savings pay 2.61% at a variable rate from a €0 minimum, with immediate availability
Cons
- The savings yield of 2.61% trails the 3% site median
- Cash pickup is not among its payout methods (bank, wallet and card), which cover a bank, a wallet or a card
- The currency conversion margin runs 0.5% to 1%, above the 0.9% site median
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.
Satispay
Who it suits
- Everyday spenders who want an account with no monthly charge and free transfers
- Travellers paying in several currencies who weigh the conversion fee before the rate
- People holding a savings balance they can draw on immediately, with no lock in
Who should look elsewhere
- Skrill or bunq if you want a different provider altogether, since their conversion fees of 3.99% and 3% mean switching does not cut your cost
- PayPal Colombia if you want a wallet for international shopping rather than an everyday euro account
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
Satispay
Current offer
Bonus
Welcome Bonus 5 EUR with code WEB: 5 EUR
Sign up by downloading the app and use code WEB
Source, checked September 26, 2026
Country by country
| Country | Mox Bank | Satispay |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 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.
Satispay
What does Satispay cost to keep?+
The monthly fee is €0, and no monthly charge is the model listed. Sending and receiving money to contacts and SEPA transfers costs €0. The one extra charge to know is the instant availability top up.
What does it cost to convert currency?+
Conversion costs 0.5%, and the applied margin runs 0.5% to 1%. That sits at the 0.5% site median, while the highest conversion fees on the site reach 7%. Travellers can weigh it against the bank rate.
Other options to compare
Other matchups
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Mox Bank
Satispay