Mox Bank Savings Account

Mox (a virtual bank backed by Standard Chartered, HKT, and PCCW) offers a high-yield savings account with no minimum balance and no lock-in period — a rare combination in HK banking. The base savings rate of 3.6% p.a. (HKD) in 2026 is among the highest available on a demand deposit basis, meaning funds remain fully liquid. Mox's round-up savings feature automatically transfers cents rounded up from each debit card transaction into a savings pot, accelerating balance accumulation for disciplined savers.