Mox Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mox Bank suits people who spend and travel abroad and want no conversion fee on overseas purchases, plus cashback on what they already buy. The debit card is the main offering, the cashback rate is 1% Unlimited CashBack, 2% with Mox+, and the card runs on mastercard, with the account based in Hong Kong.
Key facts
- Best for
- Anyone who wants no foreign transaction fee and cashback on everyday spending.
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 9 (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Founded
- 2020 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Official website
- mox.com
Credit cards
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% Unlimited CashBack, 2% with Mox+ (Source, checked September 26, 2026)
- Perks
- 0% FX fees on overseas purchases (Source, checked September 26, 2026)
- Cashback rate
- 1% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Founded
- 2020 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
Pros and cons
Pros
- Currency conversion costs 0%, well below the 1% typical across the market
- Cashback is paid on spending, with a rate of 1% Unlimited CashBack, 2% with Mox+
- The account holds multiple currencies, with 9 available
- Support runs through phone, email and help centre
Cons
- The higher cashback rate of 1% Unlimited CashBack, 2% with Mox+ needs the paid membership tier
- The offer score is only 5.4, below the mark most rival cards reach
- The main product is a credit card rather than a plain spend card, so the money sits with the bank
Who it suits
- People who pay in foreign currencies often and want conversion fees at 0%
- Cashback seekers who do not mind the paid tier for the top rate
- Holders of several currencies who want one account to hold 9 of them
Who should look elsewhere
- People who want a prepaid card with funds they hold directly, since Mox offers a credit card
- Shoppers who want points or miles rather than cashback
- Card users who rely on a large free cash withdrawal allowance, as the median here is €0
The company behind it
Mox Bank sits in HK and was founded in 2020, so it is a young operation rather than an old high street name. Its main card is a debit card, which means spending draws on money held with the bank. Anyone who wants a card issued by a long-established bank may want to weigh that carefully. Getting hold is straightforward, and help runs through phone, email and help centre.
How Mox Bank compares
9.0 vs 9.4
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 9.2
9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
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9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 9.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.2
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
- 9.0 vs 8.8
9.0 vs 8.8- 9.0 vs 8.8
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.5
9.0 vs 8.3
9.0 vs 8.2
9.0 vs 8.0
9.0 vs 8.0
Where Mox Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Mox Bank charge to convert currency?+
Overseas purchases carry 0% in currency conversion fees, which is the level that makes travel spending cheaper. The account also supports multiple currencies, with 9 of them available to hold, so you can keep balances in the currency you use without converting back each time.
Does the Mox card pay cashback?+
Yes. The rewards are paid as cashback at a rate of 1% Unlimited CashBack, 2% with Mox+. Cashback sits above the market norm for fee-free cards, though the top rate applies only on the paid membership tier, so read the tiers before choosing one.
What kind of card is the Mox card?+
The card is a debit card and the main product is a credit card, so your money sits with the bank and spending draws on that balance. It is not a prepaid card you top up and hold yourself. It runs on the mastercard network, so acceptance abroad is broad.
Which features come with the Mox card?+
The card is built around multi currency, virtual card and travel, which covers multi-currency accounts, a virtual card and travel use. The headline perk is 0% FX fees on overseas purchases, the reason many people open the account. A virtual card is useful for online spending where you would rather not use your main card details.
Is Mox Bank regulated?+
Yes. The account is based in Hong Kong and supervised there by the Hong Kong Monetary Authority. The company was founded in 2020, so it is a recent entrant, and the regulation that matters is the local one rather than a scheme in another market.
How do I get help from Mox Bank?+
Support runs through phone, email and help centre, which covers phone, email and a help centre. That is a wider spread of channels than most cards in this part of the market offer, where the norm is often email alone. Phone and written contact are both listed.
Is Mox Bank a good fit for a frequent traveller?+
It is aimed at people who spend abroad, since conversion fees are 0% and travel is one of the features the card is built around. Free cash withdrawals are not the strong point, as the median allowance in this ranking is €0.
Where is Mox Bank based and who runs it?+
Mox Bank is headquartered in Hong Kong and was founded in 2020. It is a young bank rather than a century-old institution, and its product range centres on the Mox card, multi-currency balances and cashback. Day to day contact comes through phone, email and help centre.
Sources
- mox.com checked September 26, 2026
Backs: Support channels
“Please contact our Customer Care Team at +852 2888 8228”
- mox.com/about-us checked September 26, 2026
Backs: Founded, Headquarters, Licences
“Launched in Hong Kong in September 2020, Mox is a digital bank”
- mox.com/faqs/faq-mox-card checked September 26, 2026
Backs: Card type
“Currently all transactions using the Mox Card will deduct from your Mox account balance”
- mox.com/faqs/mgm checked September 26, 2026
Backs: Card network
“the transaction must have been processed through the Mastercard network”
- mox.com/features/mox-credit checked September 26, 2026
Backs: Card kind, Cashback rate, Currency conversion fee, Perks, Rewards rate, Rewards type
“Meet the Mox Credit Card”
- mox.com/features/mox-fx checked September 26, 2026
Backs: Currencies, Features
“Exchange up to 9 major currencies all in one the Mox app”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Free ATM withdrawals, Protection.
Related by the facts
Mox Bank
Anyone who wants no foreign transaction fee and cashback on everyday spending.