Updated September 29, 2026 · VaultCue Editorial Team
Mox Bank vs Vivid Money
Mox Bank
Vivid Money
Higher score in this comparison
Mox Bank vs Vivid Money: the differences
| Compare | Mox BankReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | 3%Higher |
| Rate type | Variable | Fixed |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | Instant access |
| Monthly fee | HK$0 | €0 |
| Minimum deposit | Not confirmed | €0.010 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Same on both: Account kind (Easy access).
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Key differences
- Vivid Money scores higher overall: 8.8 vs 8.6.
- Founded is lower at Vivid Money: 2019 vs 2020.
- Vivid Money is licensed in 1 more country.
- Headline rate is higher at Vivid Money: 3% vs 0.001%.
- Support channels: only Mox Bank offers Email, Phone, Community.
- Support channels: only Vivid Money 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%.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | Mox Bank | Vivid Money |
|---|---|---|
| Cost | 9.1 | 9.2HigherConversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 9.1HigherInterest pocket pays 3% on instant access balances with low entry threshold |
| Trust | 8.1 | 8.3HigherEligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
Where they rank in our lists
| Ranking | Mox Bank | Vivid Money |
|---|---|---|
| Savings accounts | 559 of 1420 | 496 of 1420 |
| Online banks | 190 of 402 | 155 of 402 |
A third option
eToro has headline rate at 3.8%, against 0.001% for Mox Bank and 3% for Vivid Money.
eToro reviewEvery fact side by side
| Fact | Mox Bank | Vivid Money |
|---|---|---|
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Legal entity | Mox Bank Limited | Vivid Money B.V. |
| Headquarters | Hong Kong | Netherlands |
| Founded | 2020 | 2019Lower |
| Support channels | Email, Phone, Help centre, Community | Chat, Help centre |
Everyday accounts
| Fact | Mox Bank | Vivid Money |
|---|---|---|
| Currency conversion fee | Not confirmed | 0.25% |
| Currencies | 17 | 22Higher |
| Features | Digital only | Digital only |
| Local account details | Not confirmed | IBAN |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | Free |
Money transfer
| Fact | Mox Bank | Vivid Money |
|---|---|---|
| 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 | Vivid Money | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | 3%below the median | 3.25% |
| Minimum deposit | Not confirmed | €0.010below 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.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
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.
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
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 | Vivid Money |
|---|---|---|
| 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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
Other options to compare
Other matchups
Related by the facts
Mox Bank
Vivid Money