Updated October 14, 2026 · VaultCue Editorial Team
Mox Bank vs Sumeria
Mox Bank
Sumeria
Higher score in this comparison
What sets them apart
| Compare | Mox BankReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | 1% to 2%Higher |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Monthly fee | HK$0 | €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
- Sumeria scores higher overall: 8.9 vs 8.6.
- Founded is lower at Sumeria: 2011 vs 2020.
- Sumeria is available in 1 more country.
- Headline rate is higher at Sumeria: 1% to 2% vs 0.001%.
- Support channels: only Mox Bank offers Community.
- Support channels: only Sumeria offers Chat.
- Pricing model: only Mox Bank offers Low FX.
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%.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | Mox Bank | Sumeria |
|---|---|---|
| Cost | 9.1 | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 9.0Higher |
| Trust | 8.1 | 8.8Higher |
How they place
| Ranking | Mox Bank | Sumeria |
|---|---|---|
| Savings accounts | 559 of 1420 | 442 of 1420 |
| Money transfer services | 425 of 1564 | 325 of 1564 |
Every fact side by side
| Fact | Mox Bank | Sumeria |
|---|---|---|
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Legal entity | Mox Bank Limited | Lydia Solutions |
| Headquarters | Hong Kong | France |
| Founded | 2020 | 2011Lower |
| Support channels | Email, Phone, Help centre, Community | Email, Help centre, Phone, Chat |
Everyday accounts
| Fact | Mox Bank | Sumeria |
|---|---|---|
| Currency conversion fee | Not confirmed | 0% |
| Currencies | 17 | Not confirmed |
| Audience | Not confirmed | Travelers |
| Features | Digital only | Free ATM |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | Not confirmed | €250 |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | 0 EUR (all transfers free on the free Carte Basique offer) |
Money transfer
| Fact | Mox Bank | Sumeria |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | 20 seconds to 1 week | Instant |
| Payout methods | Bank, Wallet | Bank, Card |
| Fee to send 1,000 | HK$0 | €0 |
Where each stands against the rest
| Fact | Mox Bank | Sumeria | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | 1% to 2%below the median | 3.25% |
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.
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
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.
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
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
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | Mox Bank | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Hong Kong | Yes | No |
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.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
Other options to compare
Other matchups
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Mox Bank
Sumeria