Mox Bank review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Mox Bank suits people in Hong Kong who want home, landlord or travel cover handled by a broker and paid monthly. It scores 7.8 overall, and its cover starts at HKD 20. Treat the price as a starting point, since the exact premium depends on the property and the trip.
Key facts
- Best for
- Hong Kong residents wanting home, landlord or travel cover paid monthly through a broker
- Premium from
- HK$20 (Source, checked September 26, 2026)
- Insurance types
- Home, Landlord, Travel (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- HKD2,000,000 (Source, checked September 26, 2026)
- Claims channels
- Mobile-app, Email, Phone (Source, checked September 26, 2026)
- Age range
- 18-70 (Source, checked September 26, 2026)
- Legal entity
- Mox Bank Limited (Source, checked September 26, 2026)
- Headquarters
- Hong Kong (Source, checked September 26, 2026)
- Founded
- 2020 (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- mox.com
Pros and cons
Pros
- Cover starts at HKD 20 and monthly payments are available, so the outlay can be spread across the year.
- Mox Bank is a broker, so the policy is placed on the market rather than underwritten in house.
- The range of cover listed is home, landlord and travel, which covers a home owner, a landlord and a traveller in the same place.
- Support runs on chat, phone and email, so help is reachable by phone as well as in writing.
- Cover limits reach HKD2,000,000 on personal accident cover.
Cons
- Cover is limited to home, landlord and travel, so a driver or a pet owner finds nothing here.
- Mox Bank is a broker, so the contract sits with an insurer it places you with rather than with the name on the page.
- Only adults up to 18-70 can be covered, which narrows who can be insured.
- The premium shown is HKD 20, a starting point rather than a quote for your own home or trip.
Who it suits
- Hong Kong residents insuring a home or a rented flat they let out
- Travellers buying a short trip policy from Hong Kong
- Anyone who prefers paying monthly rather than settling in a single payment
Who should look elsewhere
- Drivers and pet owners, who need cover Mox Bank does not list in home, landlord and travel
- Shoppers who want the name on the policy to be the brand they researched, since Mox Bank is a broker
- Anyone outside 18-70, who falls outside the age band that can be covered
Safety and regulation
Money safety starts with who stands behind the policy. Mox Bank is a broker, so it places cover with an insurer rather than carrying the risk itself, and it holds a licence recorded by the Insurance Authority of Hong Kong under GA1073. A further Hong Kong regulator, the Hong Kong Monetary Authority, also appears against this brand, which points to a regulated base in the same market. Claims can be started by mobile app, email and phone, so a claim does not depend on office hours or a single route. A person buying here should still read who the insurer is on the quote, because as a broker Mox Bank is the intermediary rather than the risk carrier.
What the policy covers
The home, landlord and travel lines are the whole menu: home contents, landlord cover and travel cover. That mix suits a renter, a landlord and a holidaymaker, and it means the same brand can follow you across all of them. Personal accident cover runs to a limit of HKD2,000,000, which is a meaningful payout if you are injured abroad or at home. Eligibility is limited to 18-70, so the policy is written for adults rather than for children or for older applicants beyond that band. Anything outside the listed lines, such as motor, health, life or pet cover, is not part of the home, landlord and travel offered here.
What cover costs
The entry point is HKD 20, and that figure is a starting premium rather than a settled price. The home, landlord and travel policies all sit under the same published starting point, so the starting price applies to whichever of the lines you actually need. Payment is monthly: monthly payments are available and the pricing model is monthly, so there is no annual lump sum to save up. Against the wider market, €8.37 is the median starting premium across the brands tracked, with a lower quartile of €2.92 and an upper quartile of €29.72. Mox Bank sits inside that middle band rather than at either end of it. On the home ranking specifically, the median is €8.50, and for landlord cover it is €11.33, so expect a landlord policy to cost more than a home policy. Your own premium moves with the property, the location and the trip, so treat HKD 20 as an entry price only.
Regulation
Mox Bank operates as a broker under Hong Kong regulation. The licence it holds is recorded by the Insurance Authority of Hong Kong under GA1073, which is the body that authorises insurance business in the market. The Hong Kong Monetary Authority also sits in the record for this brand, so more than a single Hong Kong authority is attached to its operations. Because the entity is a broker and not the insurer itself, the contract you sign names the insurer Mox Bank selects, and that insurer is the party that carries the risk and pays the claim. Checking the insurer named on your quote is the useful step for anyone focused on safety of the money.
Who runs it
The company behind the brand is Mox Bank Limited, listed as Mox Bank Limited, and it is based in Hong Kong. It was founded in 2020, so it is a young operation by the standards of the insurers it places cover with. Day to day, support runs on chat, phone and email, which puts a phone line, live chat, email and a help centre behind both new policies and claims. The brand's status as a broker shapes who you deal with: Mox Bank handles the search and the service, while the insurer named on the policy handles the risk. Its Hong Kong base and its licence under GA1073 keep the whole arrangement inside a single market's ruleset.
How Mox Bank compares
9.0 vs 8.6
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 9.4
9.0 vs 8.8
9.0 vs 8.7
9.0 vs 9.0
9.0 vs 9.4
9.0 vs 9.3
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 9.3- 9.0 vs 9.3
9.0 vs 9.3Max Life Insurance
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2
9.0 vs 9.2- 9.0 vs 9.1
9.0 vs 9.1
9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.6
9.0 vs 8.6- 9.0 vs 8.4
- 9.0 vs 8.2
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Where Mox Bank is available
- Available
- Hong Kong
- Licence in Hong Kong
- Insurance Authority of Hong Kong (GA1073), checked September 26, 2026
- Licence in Hong Kong
- Hong Kong Monetary Authority, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does cover cost?+
Cover starts at HKD 20, and that is a starting premium rather than a quote. The final price depends on the property, the location and the trip. For context, the median starting premium across the brands tracked is €8.37.
Can I pay monthly instead of in a single payment?+
Yes. Monthly payments are available, and the pricing model is monthly, so home, landlord and travel cover can all be paid month by month. That suits anyone who would rather not commit a year's premium at once.
Who is Mox Bank, and is it an insurer?+
Mox Bank is a broker. That means it finds an insurer for your cover and services the policy, while the insurer named on your quote carries the risk. If you want the brand on the policy to be the insurer itself, a broker arrangement will not suit you.
Which regulator licenses Mox Bank?+
Mox Bank holds a licence recorded by the Insurance Authority of Hong Kong under GA1073. The Hong Kong Monetary Authority also appears against this brand, so more than a single Hong Kong authority is attached to its operations.
What kinds of insurance does Mox Bank sell?+
The lines listed are home, landlord and travel, which means home, landlord and travel cover. Motor, health, life and pet cover are not among them, so anyone with a car or a pet will need a different brand.
How much do I get if I am injured?+
Personal accident cover runs to a limit of HKD2,000,000. The overall cap depends on the policy you choose, so the quote will show the limit that applies to your own line of cover.
How do I make a claim or get help?+
Claims can be started by mobile app, email and phone, which covers the mobile app, email and phone. Support more generally runs on chat, phone and email, adding live chat and a help centre for questions before and during a policy.
Who can be insured?+
Eligibility runs from 18-70, so the policies are written for adults within that band. A child, or an applicant beyond that age range, would not meet the criteria as published.
Sources
- mox.com/about-us checked September 26, 2026
Backs: Founded, Headquarters
“Launched in Hong Kong in September 2020, Mox is a digital bank backed by Standard Chartered, in partnership with HKT, PCCW and Trip.com.”
- mox.com/faqs/mox-insure checked September 26, 2026
Backs: Age range, Claims channels, Provider type, Legal entity, Monthly payments, Premium from, Support channels, Licences
“be between 18 and 70 years of age during the policy period”
- mox.com/features/insurance checked September 26, 2026
Backs: Insurance types
“Travel Pick & Go ... Home Cushion ... (Mox Insure products; Home Cushion offers Tenant, Owner Occupier or Landlord cover)”
- mox.com/personal-accident-insurance checked September 26, 2026
Backs: Cover limit, Pricing model
“Up to HKD2,000,000 cover - Personal Accident Cushion, in case of accidental death or permanent disablement”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Mox Bank
Hong Kong residents wanting home, landlord or travel cover paid monthly through a broker