During a period of unusually high withdrawal requests, Chocolate Finance has temporarily paused its instant withdrawal services. We want to reassure our customers that Chocolate Finance remains a strong and stable place for your spare cash, and we are here for the long run.  Read our press statement
Say hello to USD.
Enjoy 4.6% p.a. on your first US$20k, 4.2% p.a. on your next US$30k, and a target 4.2% p.a. for balances above S$50k. Learn more here
Home
1
Boost with USD
2
How it works
3
The Chocolate Card
4
Who we are
5
FAQs
6
Contact us
7

Imagine
‍3.3%p.a. returns, without hoops or lock-ins!

With Chocolate Finance, you get happy returns. Enjoy 3.3% p.a. on your first S$20k, 3% p.a. on your next S$30k and a target 3% p.a. on any amount above that. Are you smiling yet?
Let's go
3.3%
% p.a. on your first S$20k. Earn 3.3% p.a. on your first S$20k. Earn 3.3
A photo of a woman holding her wallet and smiling due to the daily interest on her savings.Earn daily interest on your savings
% p.a. on your first S$20k. Earn 3.3% p.a. on your first S$20k. Earn 3.3
3.3%
Regulated by
Founded by the founder of
Backed by
Investment Manager

Make Life Richer

 SGD
3.3%
p.a. on your first S$20k, 3% p.a. on the next S$30k and a target 3% p.a. on any amount above that
Scroll to learn more
 USD
4.6%
p.a. on your first US$20k, 4.2% p.a. on the next US$30k and a target 4.2% p.a. on any amount above that
Check out USD benefits

The irresistible benefits of Chocolate

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
Daily returns.

No hoops.

No complex criteria. Just put your money in and start seeing daily returns on your first S$50k the very next day.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Withdraw anytime.

No lock-ins.
No limits.

Take your money out anytime. No restrictions. No penalties.

An icon of a magnifying glass highlighting S$0 illustrating a savings account with no minimum deposits and no fees.
No minimums.

No fees.

Chocolate makes money only after you've made money.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.
Security is top priority.

Safe and secure.

We safeguard your account with cutting edge technology, Singpass MyInfo, real time alerts, 
ring-fenced custody and relentless fraud protection.

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
Daily returns.

No hoops.

No complex criteria. Just put your money in and start seeing daily returns on your first S$50k the very next day.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Withdraw anytime.

No lock-ins.
No limits.

Take your money out anytime. No restrictions. No penalties.

An icon of a magnifying glass highlighting S$0 illustrating a savings account with no minimum deposits and no fees.
No minimums.

No fees.

Chocolate makes money only after you've made money.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.
Security is top priority.

Safe and secure.

We safeguard your account with cutting edge technology, Singpass MyInfo, real time alerts, 
ring-fenced custody and relentless fraud protection.

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
Daily returns.

No hoops.

No complex criteria. Just put your money in and start seeing daily returns on your first S$50k the very next day.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Withdraw anytime.

No lock-ins.
No limits.

Take your money out anytime. No restrictions. No penalties.

An icon of a magnifying glass highlighting S$0 illustrating a savings account with no minimum deposits and no fees.
No minimums.

No fees.

Chocolate makes money only after you've made money.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.
Security is top priority.

Safe and secure.

We safeguard your account with cutting edge technology, Singpass MyInfo, real time alerts, 
ring-fenced custody and relentless fraud protection.

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
Daily returns.

No hoops.

No complex criteria. Just put your money in and start seeing daily returns on your first S$50k the very next day.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Withdraw anytime.

No lock-ins.
No limits.

Take your money out anytime. No restrictions. No penalties.

An icon of a magnifying glass highlighting S$0 illustrating a savings account with no minimum deposits and no fees.
No minimums.

No fees.

Chocolate makes money only after you've made money.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.
Security is top priority.

Safe and secure.

We safeguard your account with cutting edge technology, Singpass MyInfo, real time alerts, 
ring-fenced custody and relentless fraud protection.

Oh, and when we say 3.3% p.a., we mean it.

If we don't make the target returns for your first S$50k (3.3% p.a. on your first S$20k and 3% p.a. on your next S$30k), the difference will be topped up during the qualifying period. Does it get any better than that? Learn more

Download the app

Download the Chocolate app today and sign up in minutes!

Download the app
Scan to download
Or get a download link via SMS instead
+65
Please enter your phone number
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
A 3D icon of a coin with a currency symbol illustrating the best interest rate for savings accounts.
A 3D icon of a coin with a currency symbol illustrating the best interest rate for savings accounts.
On your first S$50k,

Enjoy these returns with Chocolate

How it works

Note: The projected returns in the illustration above are based on a S$50k balance earning 3.3% p.a. return on the first S$20k and 3% p.a. on the next S$30k. Illustrated returns are rounded for presentation purposes. This return is currently supported by a promotional 'Top-Up Programme', valid during the qualifying period and subject to terms and conditions. Learn more. Please note that these returns are not guaranteed and the principal sum is exposed to market risks.

Past performance or forecasts are not indicative of future results. Read our terms and conditions and FAQs before opening an account.

Calculate returns on your savings

Security you can trust

Get started
Get started
Reviews

Don’t take our word for it,
take theirs

Happy reviews from the App store, Google Play store and Google.

Trusted by
50Kusers
Downloads
58K
5 Star reviews
850
This is some text inside of a div block.
Zakariya Cisneros
12.6.2022
This is some text inside of a div block.
Aiza Pierce
12.6.2022
This is some text inside of a div block.
Lawrence Jones
12.6.2022
This is some text inside of a div block.
Khadijah Klein
12.6.2022
This is some text inside of a div block.
Elle Estrada
12.6.2022
This is some text inside of a div block.
Mariyah Pena
12.6.2022
This is some text inside of a div block.
Martin Rosser
12.6.2022
This is some text inside of a div block.
Jordyn Arcand
12.6.2022
This is some text inside of a div block.
Zakariya Cisneros
12.6.2022
This is some text inside of a div block.
Aiza Pierce
12.6.2022
This is some text inside of a div block.
Lawrence Jones
12.6.2022
This is some text inside of a div block.
Khadijah Klein
12.6.2022
This is some text inside of a div block.
Elle Estrada
12.6.2022
This is some text inside of a div block.
Mariyah Pena
12.6.2022
This is some text inside of a div block.
Martin Rosser
12.6.2022
This is some text inside of a div block.
Jordyn Arcand
12.6.2022
Their customer service team was extremely helpful throughout the entire process. Although they faced some unexpected challenges with their supplier, they managed to find alternative solutions quickly. The quality of the products was excellent, and the delivery arrived right on schedule. I'm very impressed with how they handled the situation professionally and efficiently.
Zakariya Cisneros
12.6.2022
Their customer service team was extremely helpful throughout the entire process. Although they faced some unexpected challenges with their supplier, they managed to find alternative solutions quickly. The quality of the products was excellent, and the delivery arrived right on schedule. I'm very impressed with how they handled the situation professionally and efficiently.
Aiza Pierce
12.6.2022
The company did very good with my order. Though their supplier was closed on that specific
Lawrence Jones
12.6.2022
The company did very good with my order. Though their supplier was closed on that specific day for whatever reasons, the company called me from overseas explain...
Khadijah Klein
12.6.2022
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed condimentum netus at et facilisis lacus, id. Mi faucibus metus, pulvinar sed lectus enim in suspendisse. Orci blandit eu pharetra, cursus nunc molestie. Tempor egestas erat pellentesque justo, orci, justo accumsan, elementum.
Elle Estrada
12.6.2022
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed condimentum netus at et facilisis lacus, id. Mi faucibus metus, pulvinar sed lectus enim in suspendisse. Orci blandit eu pharetra, cursus nunc molestie. Tempor egestas erat pellentesque justo, orci, justo accumsan, elementum.
Mariyah Pena
12.6.2022
Their customer service team was extremely helpful throughout the entire process. Although they faced some unexpected challenges with their supplier, they managed to find alternative solutions quickly. The quality of the products was excellent, and the delivery arrived right on schedule. I'm very impressed with how they handled the situation professionally and efficiently.
Martin Rosser
12.6.2022
Their customer service team was extremely helpful throughout the entire process. Although they faced some unexpected challenges with their supplier, they managed to find alternative solutions quickly. The quality of the products was excellent, and the delivery arrived right on schedule. I'm very impressed with how they handled the situation professionally and efficiently.
Jordyn Arcand
12.6.2022
Probably the best FX rates in town
The Chocolate Visa debit card
Spend with ease using our Chocolate Visa Platinum debit card. Order and activate your card for free on the app.

You asked, we answered

Can't find your question?
View all our FAQ’s, chat with us on WhatsApp, or email us via: hello@chocolatefinance.com
What is Chocolate Finance?

This is some text inside a div block.

Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$75,000?

This is some text inside a div block.

How does Chocolate Finance generate these great returns?

This is some text inside a div block.

Is Chocolate Finance legitimate and regulated by the MAS?

This is some text inside a div block.

As there are no fees, how does Chocolate finance make money?

This is some text inside a div block.

Is Chocolate Finance a good way to make money?

This is some text inside a div block.

What is the Chocolate Finance waitlist?

This is some text inside a div block.

Is Chocolate Finance a bank?

This is some text inside a div block.

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up
Verify your identity using Singpass
Top up to enjoy happy returns
Download the app
Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3.3% p.a. return
On your first S$20k.
3% p.a. return
On your next S$30k.
Target 3% p.a.
On amounts thereafter.
Full-on security
Security is our top priority.
Chocolate Finance Logo
Make life richer.
Make life richer.
Make life richer.
Make life richer.
Make life richer.
Product
BenefitsBoost with USDHow it worksThe Chocolate CardSecurity
Company
About usOur teamPressIn the mediaBlog
Get help
FAQsContact us
Legal stuff
T&CsPrivacy policy
Copyright © 2025 Chocfin Pte. Ltd. All rights reserved.
Follow us
Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. The 3.3% p.a. return on the first S$20k and 3% p.a. return on the next S$30k are subject to change based on market conditions, with Chocolate top-up support and Liquidity Programme offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.
‍
All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
Get the Chocolate Finance app and sign up now!
Scan the QR code with your
phone to download the app

Sign up in minutes, easily verify your identity using Singpass, top up and enjoy happy returns!

Or get a download link via SMS instead

+65
Please enter your phone number
Download link is on its way.
We've just sent a download link for the Chocolate Finance app via SMS to +65*****999. Check your SMS, download the app, sign up and dive into a world of Chocolate.
Back to homepage

Scan QR code instead

Oops! Something went wrong while submitting the form.
The link to download the app is on its way to you.
Check your SMS inbox and sign up now!