Justin W.
Serious issue with foreign currency payments
On two occasions, I used Mox’s currency exchange function to convert HKD into GBP and EUR before making payments. Despite having enough funds in the relevant currency, Mox still charged my HKD balance and applied a 1.95% FX markup—the very fee I had exchanged currencies in advance to avoid. What is the point of offering currency exchange if the card ignores those balances when paying? This makes the feature misleading and has left me paying unnecessary fees. I have requested a refund and a clear explanation of why this happened.



