Updated October 14, 2026 · VaultCue Editorial Team
Mox Bank vs ubank
Mox Bank
Higher score in this comparison
ubank
Mox Bank vs ubank: the differences
| Compare | Mox BankReviewSee alternativesSee alternatives | ubankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | Not confirmed |
| Monthly fee | HK$0 | Not confirmed |
Same on both: Account kind (Easy access).
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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%.
ubank
Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
Score breakdown
| Area | Mox Bank | ubank |
|---|---|---|
| Cost | 9.1 | Not confirmed |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | Not confirmed |
| Trust | 8.1 | Not confirmed |
How they place
| Ranking | Mox Bank | ubank |
|---|---|---|
| Savings accounts | 559 of 1420 | 1317 of 1420 |
Every fact side by side
| Fact | Mox Bank | ubank |
|---|---|---|
| Pricing model | No monthly fee, Low FX | Not confirmed |
| Legal entity | Mox Bank Limited | National Australia Bank |
| Headquarters | Hong Kong | Australia |
| Founded | 2020 | 2008Lower |
| Support channels | Email, Phone, Help centre, Community | Not confirmed |
Everyday accounts
| Fact | Mox Bank | ubank |
|---|---|---|
| Currencies | 17 | Not confirmed |
| Features | Digital only | Not confirmed |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | Not confirmed |
Money transfer
| Fact | Mox Bank | ubank |
|---|---|---|
| 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 | ubank | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | Not confirmed | 3.25% |
| Monthly fee | HK$0at the median | Not confirmed | HK$0 |
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.
ubank
Pros
- Ubank lists goal-oriented savings, Autosave, savings accounts and Shared Save accounts.
- The captured overview does not provide rates.
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.
ubank
Who it suits
- Australia Ubank customers choosing goal-based, automatic or shared savings tools
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 | Mox Bank | ubank |
|---|---|---|
| Australia | 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.
Who regulates Mox Bank, and is my money protected?+
Mox Bank Limited is listed in the Hong Kong licence record with the Securities and Futures Commission under CE number: BNO808, alongside a Hong Kong Monetary Authority licence. The brand is based in Hong Kong and was founded in 2020. Read those licence terms to see what applies to a savings balance.
How fast is an international transfer?+
Delivery time is 20 seconds to 1 week, so the quickest transfers land almost at once while the slowest run about a week. Transfers run through Express Remit, and 17 currencies are covered. Which end of that range applies depends on the destination and the payout route.
Other options to compare
Related by the facts
Mox Bank
ubank