Mox Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Mox Bank lends to Hong Kong residents with no handling fee on the Instant Loan and an APR of 1.18% to 19.84%. It suits borrowers who want a credit line and a personal loan from the same bank, with money in the account quickly, though early repayment is not free.

Key facts

Best for
Hong Kong adults with an approved Mox Credit Card who want a personal loan and a credit line without an entry fee.
APR
1.18% to 19.84% (Source, checked September 26, 2026)
Loan amount
HK$400 to HK$2,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
HKD 0 (no handling fee) (Source, checked September 26, 2026)
Funding time
Cash credited to Mox Account in as fast as 1 second upon approval, available 24/7 (Source, checked September 26, 2026)
Representative example
Mox Instant Loan of HKD1,000,000 over 6 months: APR as low as 1.18%, total repayment HKD1,003,420 (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Hong Kong ID card holder (permanent or non-permanent resident), valid Hong Kong residential and mailing address, aged 18 or above; Instant Loan requires an approved Mox Credit Card (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Credit-line (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Mox Bank Limited (Company Number: 69746091) (Source, checked September 26, 2026)
Headquarters
Hong Kong (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
mox.com

Apps and profiles

Get the app
App Store
Elsewhere
WikidataLinkedInfacebook.com

Pros and cons

Pros

  • The Instant Loan carries an origination fee of HKD 0 (no handling fee).
  • Loan cash is credited to the Mox Account as soon as approval clears, and funding runs around the clock.
  • Lends in its own name as a direct lender across personal, debt consolidation and credit line loans (personal, debt consolidation and credit line).
  • Support runs on email, chat and phone, with phone and chat both listed.

Cons

  • Free early repayment: no, so clearing a balance ahead of schedule is not the cheapest route.
  • The Instant Loan requires an approved Mox Credit Card, which narrows who can qualify.
  • Rates are variable, so an outstanding balance can cost more or less as rates move.
Mox Bank

Ready to try Mox Bank?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers who can add a credit line to the same bank, with credit-line lending listed among the features (same day funding and credit line)
  • Debt consolidation and credit line borrowers, with home improvement the stated use case (home improvement)

Who should look elsewhere

  • Borrowers wanting a different market to Mox Bank's Hong Kong dollar loans: Monzo Flex quotes 10% to 23% on a personal loan.
  • Borrowers who plan to clear a loan early, since free early repayment is no at Mox Bank and Cashspace at PHP 12 to PHP 36 is the alternative to check first.

How Mox Bank compares

Where Mox Bank is available

Available
Hong Kong
Licence in Hong Kong
Hong Kong Monetary Authority, checked September 26, 2026
Licence in Hong Kong
Securities and Futures Commission (CE number: BNO808), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to take a Mox Bank loan?+

The Instant Loan carries an origination fee of HKD 0 (no handling fee), with an APR of 1.18% to 19.84% on a variable rate. A representative Instant Loan example shows total repayable only slightly above the amount borrowed, and terms run 3 to 60.

Is Mox Bank regulated in Hong Kong?+

Mox Bank is a direct lender based in Hong Kong, licensed in Hong Kong by the Securities and Futures Commission under CE number: BNO808, and also listed with the Hong Kong Monetary Authority. The bank was founded in 2020.

How quickly is money available after approval?+

Funding is credited to the Mox Account as soon as approval clears, and Mox Bank lists same day funding among its features at same day funding and credit line, including on the Instant Loan. Amounts run HKD 400 to HKD 2,000,000 and terms 3 to 60.

Can I repay a Mox Bank loan early without a charge?+

Free early repayment: no, so clearing a balance ahead of schedule is not the cheapest route and terms are worth checking before committing. That sits against the origination fee of HKD 0 (no handling fee) and an APR of 1.18% to 19.84% on the Instant Loan.

What can I use a Mox Bank loan for?+

Mox Bank covers personal, debt consolidation and credit line borrowing, with home improvement the stated use case at home improvement and a credit line among the features at same day funding and credit line. Loan cash is credited to a Mox Account once approval clears.

How do I get help from Mox Bank?+

Support runs on email, chat and phone, so email, chat, phone and a help centre are all listed. Enquiries about a loan, the account or the card can go through any of them, and the lender operates as a direct lender in Hong Kong.

How does the Mox Bank rate compare with other lenders?+

The APR of 1.18% to 19.84% is a variable rate, and the site median on the same measure is 12%, with 6.13% at the lower end and 24.92% at the upper. On loan amount Mox Bank ranks 614 of 685, and the listed alternatives quote PHP 12 to PHP 36 and 10% to 23%.

Sources

  • mox.com checked September 26, 2026

    Backs: Features, Loan types

    “Get extra cash with Instant Loan, money arrives in as fast as a second upon approval; Once your credit limit is approved, you'll unlock a realm of banking services with Mox”

  • mox.com/about-us checked September 26, 2026

    Backs: Founded, Licences

    “Launched in Hong Kong in September 2020, Mox is a digital bank backed by Standard Chartered”

  • mox.com/faqs/faq-general checked September 26, 2026

    Backs: Eligibility, Headquarters, Legal entity, Support channels

    “You can open a Mox Account if you: Have a Hong Kong Identity Card (either permanent and non-permanent resident); Have a valid Hong Kong residential and mailing address; Are 18 years old or above”

  • mox.com/features/smart-borrowing checked September 26, 2026

    Backs: Loan amount, Free early repayment, Rate type

    “Loan amount (HKD) ... HKD400 to HKD2,000,000, for our loans, ranging from Instant Loan, Split Purchase, Split Statement, Instant Clear and Personal Instalment Loan and Debt Consolidation Loan”

  • mox.com/promotions/instant-loan checked September 26, 2026

    Backs: APR, Funding time, Lender type, Arrangement fee, Representative example, Term, Use cases

    “The Annualised Percentage Rate ranges from 1.18% to 19.84%, with repayment period of 3 to 60 months.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Mox Bank

Mox Bank

Hong Kong adults with an approved Mox Credit Card who want a personal loan and a credit line without an entry fee.

8.8/10See alternatives

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