Updated September 29, 2026 · VaultCue Editorial Team
Mox Bank vs ZA Bank
Mox Bank
ZA Bank
Higher score in this comparison
What sets them apart
| Compare | Mox BankReviewSee alternativesSee alternatives | ZA BankReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.001% | 0.01%Higher |
| Access terms | Interest credited daily to the Mox Account; savings balance usable for daily purchases | Deposit and withdraw money as you wish, 24 x 7 in the ZA Bank app |
| Minimum deposit | Not confirmed | HK$0 |
Same on both: Rate type (Variable), Monthly fee (HK$0), Account kind (Easy access).
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Key differences
- ZA Bank scores higher overall: 8.7 vs 8.6.
- Headline rate is higher at ZA Bank: 0.01% vs 0.001%.
- Support channels: only Mox Bank offers Community.
- Support channels: only ZA Bank 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%.
ZA Bank
ZA Bank is an app-only easy-access account for travelers and businesses that need to hold and move money in several currencies. It suits users who put access first and interest second, since a headline rate of 0.01% sits well below the savings account median of 3%.
Score breakdown
| Area | Mox Bank | ZA Bank |
|---|---|---|
| Cost | 9.1 | 9.3HigherMonthly fee of HKD 0 against a site median of €0, with a minimum deposit of HKD 0. |
| Offer | 8.9A variable savings rate of 0.001% and delivery in 20 seconds to 1 week keep the offer modest. | 8.9An easy access account on a variable rate, holding 11 currencies with no term attached. |
| Trust | 8.1 | 8.1 |
How they place
| Ranking | Mox Bank | ZA Bank |
|---|---|---|
| Savings accounts | 559 of 1420 | 542 of 1420 |
| Online banks | 190 of 402 | 181 of 402 |
Every fact side by side
| Fact | Mox Bank | ZA Bank |
|---|---|---|
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Legal entity | Mox Bank Limited | ZA Bank Limited |
| Headquarters | Hong Kong | Hong Kong |
| Founded | 2020 | 2020 |
| Support channels | Email, Phone, Help centre, Community | Email, Phone, Chat, Help centre |
Everyday accounts
| Fact | Mox Bank | ZA Bank |
|---|---|---|
| Currencies | 17Higher | 11 |
| Audience | Not confirmed | Travelers, Business |
| Features | Digital only | Free ATM, Digital onlyCovers more |
| Free ATM withdrawals | Not confirmed | HK$0 |
| Transfer fee | 0 remit fees on all global money transfers (Express Remit) from 2 July 2024 | FPS instant transfers free; SWIFT to 140+ countries and regions with zero ZA Bank fee |
Money transfer
| Fact | Mox Bank | ZA 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 | ZA Bank | Median |
|---|---|---|---|
| Headline rate | 0.001%lowest quarter | 0.01%lowest quarter | 3.25% |
| Minimum deposit | Not confirmed | HK$0at the median | HK$0 |
| Monthly fee | HK$0at the median | HK$0at the median | 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.
ZA Bank
Pros
- Instant FPS transfers cost nothing, and SWIFT transfers carry no ZA Bank fee.
- A minimum deposit of HKD 0, so a balance can start small and grow.
- Support runs on email, phone and chat, so help is not limited to the app.
Cons
- The headline rate of 0.01% ranks 447 of 473, so this is a place to keep money rather than grow it.
- A variable rate on an easy access account gives no term in which to lock a better rate for longer.
- Digital-only handling under free atm and digital only means no branch or counter service, so cash and paperwork happen in the app.
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.
ZA Bank
Who it suits
- Travelers and businesses, the audiences ZA Bank lists, who need easy-access money in 11 currencies.
- Holders who want a minimum deposit of HKD 0 rather than a barrier to opening.
- Users who need help beyond the app, since support runs on email, phone and chat.
Who should look elsewhere
- Readers shopping on listed rates, where Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%.
- Wallet-first readers, since PayPal Colombia at 3.3% fits balances held in a wallet rather than an easy-access bank balance.
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
ZA Bank
Current offer
Bonus
High-Rate Pot savings rate: Up to 5% p.a. total savings rate (up to 4.99% reward rate plus 0.01% HKD basic interest rate)
Campaign period; reward rate valid from the day the challenge is completed to the last day of that month; eligible deposit limit varies by user tier and is shown on the High-Rate Pot page; T&C apply
Source, checked September 26, 2026
Bonus
Chill Pot promotional rate: 0.5% p.a.
Applies to HKD 1,000,000 or below balance in Chill Pot under ZA Perks Lv1 User Level; balance above that at the basic interest rate; T&C apply
Source, checked September 26, 2026
Bonus
Rate-up Tuesday coupons: Rate-up Coupons up to 9% p.a.; unlock bonus rate up to 18% p.a.
Claim in ZA Bank App homepage > Deposit > Rate-up Tuesday on or before 31 October 2026; terms and conditions apply
Source, checked September 26, 2026
Bonus
Foreign Exchange Time Deposit promotional rates: 20% p.a. 7-day CNY time deposit rate; 17% p.a. 7-day USD time deposit rate
Placed via ZA Bank App homepage > Deposit > FX Time Deposit; applicable rate, currency and period as displayed in the app; FX involves risks; T&C apply
Source, checked September 26, 2026
Country by country
| Country | Mox Bank | ZA Bank |
|---|---|---|
| Hong Kong | Yes | Yes |
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.
ZA Bank
How much does a ZA Bank account cost to run?+
ZA Bank charges a monthly fee of HKD 0 and a minimum deposit of HKD 0 to open, so holding a balance costs nothing. Its pricing sits at the site median monthly fee of €0, and the account is listed under no monthly fee.
What rate do I get on a ZA Bank deposit?+
The deposit pays a headline rate of 0.01% and the rate type is variable, so the return moves rather than being locked in. The account kind is easy access, which suits people who need to take money out whenever they like more than people shopping for a term deal.
Other options to compare
Other matchups
Related by the facts
Mox Bank
ZA Bank