We turned one! 🥳
and we’re feeling all kinds of grateful our #chocfam and your incredible support. 
As a small celebration, we’re doubling referral rewards from 22nd July to 31st August 2025, get $10 for every successful referral  - double the usual S$5 reward!
#chocfam stories

Imagine
3%p.a. returns, without hoops or lock-ins!

With Chocolate Finance, you get happy returns. Enjoy 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k and a target 2.7% p.a. on any amount above that. Are you smiling yet?
Let's go
3%
% p.a. on your first S$20k. Earn 3% p.a. on your first S$20k. Earn 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% p.a. on your first S$20k. Earn 3
3%
Licensed by
Chocolate Finance is not a bank. We’re an asset manager built to target a happier return on your spare cash.
Founded by
Investment Partners
Backed by

Make Life Richer

 SGD
3%
p.a. on your first S$20k, 2.7% p.a. on the next S$30k and a target 2.7% p.a. on any amount above that
 USD
4.3%
p.a. on your first US$20k, 4% p.a. on the next US$30k and a target 4% p.a. on any amount above that

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. For information on withdrawals, learn more here.

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% p.a., we mean it.

If we don't make the target returns for your first S$50k (3% p.a. on your first S$20k and 2.7% 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
Please enter your phone number
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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
1 day
S$
3.70
1 month
S$
114
3 months
S$
346
6 months
S$
694
1 year
S$
1,389

Note: The projected returns in the illustration above are based on a S$50k balance earning 3% p.a. return on the first S$20k and 2.7% 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
Reviews

Don’t take our word for it,
take theirs

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

Trusted by
100K+users
Downloads
134K+
5 Star reviews
1000+
User friendly app. Happy to see daily returns. Due to the cute design app, even kids love to take a look at it. My hubby even set up one account under his name to put below $20k for my daughter to show her how money can grow thru saving or investments.
Marilyn Chan
August 26, 2024
I have been using Chocolate Finance for over a year now. It's a secure, simple, straightforward, and flexible product. If you have an amount of cash lying unnecessarily around in your main bank account, well, this is a great alternative investment product. I also started to use their Chocolate Visa debit card over the last 3 weeks. Works smoothly/secure with immediate transparency on the phone app. Well done and please continue!!
Patrick Aeschbacher
August 30, 2024
Great app, quick and easy to sign up... and now I get to share the love with friends and family and watch my money grow more than with any bank!
Adrian Hill
October 31, 2024
Tasty app with tasty reward. I am a conservative person that don’t take on new ideas. What makes me join chocolate is simply because of the daily returns and secure interface. Allowing me to access my account anytime anywhere.
Cocowrech
September 4, 2024
Great investment app for newbies. Love that the app is straightforward and easy to use! This really helps to simplify investment for the layman!
Debbielovespizza
July 19, 2024
One of the best apps I've used! Amazing user interface, fast and efficient. Amounts are updated very quickly on a daily basis. Easy to keep track
Mahathir Md Hassan
August 23, 2023
Instant withdrawal, hassle-free, and smooth app experience so far. Very transparent in the numbers are calculated on a daily basis and there's no fees thus far.
Jer Jian Siow
July 1, 2024
Downloaded the app as soon as I got a referral code from a friend (who recommended it). Super smooth onboarding and really nice to see my cash increasing day-by-day! Also did a small withdrawal yesterday, as a test, and the money showed up on my bank account instantly. Awesome app!
Nima Karimi
October 28, 2023
Much smoother fintech experience compared to many other SG based operations. I hope Chocolate remain Sweet for us in the coming years :)
ES Lim
May 21, 2024
Returns are REAL! Withdrawals were INSTANT. Have been an investment professional for more than 20 years. This product is simply mind blowing. App was Easy to navigate. Statement us easy to understand. Truly transparent and trusted app.
Aiyo Sian
February 24, 2024
User friendly app. Happy to see daily returns. Due to the cute design app, even kids love to take a look at it. My hubby even set up one account under his name to put below $20k for my daughter to show her how money can grow thru saving or investments.
Marilyn Chan
August 26, 2024
I have been using Chocolate Finance for over a year now. It's a secure, simple, straightforward, and flexible product. If you have an amount of cash lying unnecessarily around in your main bank account, well, this is a great alternative investment product. I also started to use their Chocolate Visa debit card over the last 3 weeks. Works smoothly/secure with immediate transparency on the phone app. Well done and please continue!!
Patrick Aeschbacher
August 30, 2024
Great app, quick and easy to sign up... and now I get to share the love with friends and family and watch my money grow more than with any bank!
Adrian Hill
October 31, 2024
Tasty app with tasty reward. I am a conservative person that don’t take on new ideas. What makes me join chocolate is simply because of the daily returns and secure interface. Allowing me to access my account anytime anywhere.
Cocowrech
September 4, 2024
Great investment app for newbies. Love that the app is straightforward and easy to use! This really helps to simplify investment for the layman!
Debbielovespizza
July 19, 2024
One of the best apps I've used! Amazing user interface, fast and efficient. Amounts are updated very quickly on a daily basis. Easy to keep track
Mahathir Md Hassan
August 23, 2023
Instant withdrawal, hassle-free, and smooth app experience so far. Very transparent in the numbers are calculated on a daily basis and there's no fees thus far.
Jer Jian Siow
July 1, 2024
Downloaded the app as soon as I got a referral code from a friend (who recommended it). Super smooth onboarding and really nice to see my cash increasing day-by-day! Also did a small withdrawal yesterday, as a test, and the money showed up on my bank account instantly. Awesome app!
Nima Karimi
October 28, 2023
Much smoother fintech experience compared to many other SG based operations. I hope Chocolate remain Sweet for us in the coming years :)
ES Lim
May 21, 2024
Returns are REAL! Withdrawals were INSTANT. Have been an investment professional for more than 20 years. This product is simply mind blowing. App was Easy to navigate. Statement us easy to understand. Truly transparent and trusted app.
Aiyo Sian
February 24, 2024
User friendly app. Happy to see daily returns. Due to the cute design app, even kids love to take a look at it. My hubby even set up one account under his name to put below $20k for my daughter to show her how money can grow thru saving or investments.
Marilyn Chan
August 26, 2024
Tasty app with tasty reward. I am a conservative person that don’t take on new ideas. What makes me join chocolate is simply because of the daily returns and secure interface. Allowing me to access my account anytime anywhere.
Cocowrech
September 4, 2024
Great investment app for newbies. Love that the app is straightforward and easy to use! This really helps to simplify investment for the layman!
Debbielovespizza
July 19, 2024
One of the best apps I've used! Amazing user interface, fast and efficient. Amounts are updated very quickly on a daily basis. Easy to keep track
Mahathir Md Hassan
August 23, 2023
Downloaded the app as soon as I got a referral code from a friend (who recommended it). Super smooth onboarding and really nice to see my cash increasing day-by-day! Also did a small withdrawal yesterday, as a test, and the money showed up on my bank account instantly. Awesome app!
Nima Karimi
October 28, 2023
Instant withdrawal, hassle-free, and smooth app experience so far. Very transparent in the numbers are calculated on a daily basis and there's no fees thus far.
Jer Jian Siow
July 1, 2024
Much smoother fintech experience compared to many other SG based operations. I hope Chocolate remain Sweet for us in the coming years :)
ES Lim
May 21, 2024
Great app, quick and easy to sign up... and now I get to share the love with friends and family and watch my money grow more than with any bank!
Adrian Hill
October 31, 2024
Returns are REAL! Withdrawals were INSTANT. Have been an investment professional for more than 20 years. This product is simply mind blowing. App was Easy to navigate. Statement us easy to understand. Truly transparent and trusted app.
Aiyo Sian
February 24, 2024
I have been using Chocolate Finance for over a year now. It's a secure, simple, straightforward, and flexible product. If you have an amount of cash lying unnecessarily around in your main bank account, well, this is a great alternative investment product. I also started to use their Chocolate Visa debit card over the last 3 weeks. Works smoothly/secure with immediate transparency on the phone app. Well done and please continue!!
Patrick Aeschbacher
August 30, 2024
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

What is Chocolate Finance?

Chocolate Finance is a new place for your spare cash!  🌟 Enjoy 3% p.a. return on your first S$20k, 2.7% p.a. on your next S$30k and a target 2.7% p.a. on any amount thereafter.

  • Daily returns: See your returns every single day.
  • No lock-ins, withdraw anytime.
  • No complex criteria or hoops to jump through.
  • What's more, we take no fees and make no money until we deliver the target return.

The best part? Returns on your first S$50k are supported by the Chocolate Top-Up Programme, which means if we don't meet the target returns during the Qualifying Period, we'll top up the difference. Smiling yet? 😊

Chocolate Visa debit Card: Every Chocolate Finance account comes with a free Visa debit card, with probably the best FX rates in town. Because making life richer starts with spending smarter!

Boost your savings with USD

Enjoy higher returns with the Chocolate USD Account – 4.3% p.a. on your first US$20k, 4% p.a. on your next US$30k, and a target 4% p.a. on balances above US$50k. All the same benefits as SGD, just in USD.

Start making life richer today!

What rate is Chocolate Finance offering?

Chocolate Finance offers a return of 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k, and a target 2.7% p.a. on any amount thereafter. Daily returns. No lock-ins. No complex criteria or hoops to jump through.

See your returns daily in the app. Chocolate takes no fee and only makes money once we deliver the target return. This means, if we don't make the target returns for your first S$50k or US$50k, the difference will be topped up during the Qualifying Period 🥳. Does it get any better than that? Learn more about the Top-Up Programme here.

With the Chocolate USD account, enjoy 4.3% p.a. on your first US$20k, 4% on your next US$30k, and a target 4% p.a. on balances above US$50k.

Chocolate reserves the right to change the target return from time to time in line with market conditions.

Note: Chocolate Finance is not a bank and doesn't 'offer interest'. Instead, your money earns a 'return' based on the performance of the Chocolate Managed Account portfolio designed to deliver a target return.

How does Chocolate Finance generate these great returns?

Your money is invested into a portfolio of fixed-income funds carefully selected to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency. This allows the portfolio to target a return of 3% p.a. for the first S$20k and 2.7% p.a. on any amount thereafter. We take no fee and make no money until we deliver the target returns. What's more, if the portfolio doesn't make 3% p.a. for your first S$20k and 2.7% p.a. on your next S$30k, the difference will be topped up so you enjoy the target return during the Qualifying Period. Does it get any better than that?

What is the Chocolate Top-Up Programme and its Qualifying Period?

The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your first S$50k (currently 3% p.a. on your first S$20k and 2.7% p.a. on your next S$30k)  and your first US$50k (currently 4.3% p.a. on your first US$20k and 4% p.a. on your next US$30k) during the Qualifying Period. This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the current rate.

The Qualifying Period runs from now until 30th September 2025, or until the assets under management for the Chocolate Managed Account reach S$1 billion—whichever comes first. Chocolate may, at its discretion, choose to extend or remove the Top-Up Programme.

Chocolate reserves the right to make changes to the Qualifying Period or adjust its rates at any time without prior notice. The Top-Up Programme will apply to the revised rate as long as it's within the Qualifying Period. For more details, please refer to the liquidity and top-up terms and conditions.

Risk disclosure 🤓: This programme does not guarantee capital or returns. Chocolate reserves the right to pause or stop the programme at any time due to market disruptions, over-utilisation, excessive withdrawals, exchange restrictions, or other force majeure events.

How long do withdrawals take to reach my account?

Chocolate is designed to be smooth, simple and safe. You can request a withdrawal anytime in your app.

At Chocolate, your money is invested in a portfolio of fixed-income funds to optimise returns. When you request a withdrawal, it typically takes up to 3 business days to process the withdrawal of invested funds – that’s how long it takes to sell your investments and transfer the money back to you.

In some instances – like if you’ve recently added money, converted to/from USD, or made multiple transactions — your withdrawal might take a little longer to reach your account. That’s because those transactions may not have fully processed by our daily 1pm cut-off. In such cases, it can take up to 7 business days. Learn why this happens

Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$100,000?

Chocolate Finance is not covered by the Singapore Deposit Insurance Corporation (SDIC) because we are not a bank. Banks have SDIC protection because if the bank fails, your money is at risk. Chocolate operates differently. Your funds with Chocolate Finance are held separately by trusted custodians, HSBC and State Street, under the management of our fund managers, and are ringfenced in the event that anything happens to Chocolate.

What is the Chocolate Finance referral programme and how do I refer a friend to join?

Good returns are like good friends! Life is better with them. So in addition to great returns, you can earn S$5 for every friend you successfully invite to join. It's a win-win!

To refer a friend, simply go to the 'More with Chocolate' section on the app homepage and tap on 'invite and get rewarded'. From there, you can easily share your unique referral link via your preferred communication app or copy the link to share manually.

Once your friend successfully signs up and adds money to their Chocolate account using your unique referral link, you will receive a notification, and S$5 will be credited to your Chocolate balance.

You can also give Chocolate access to your contacts for ease or manually enter their number into the search bar within the app to invite them directly. Once sent, your friends will receive an SMS with a unique link to download the app and sign up. This method allows you to track your referrals from the day you send the invite so you can keep track of who you've invited!

How do I open a Chocolate Finance account?

Easily! You can open a Chocolate Finance account in minutes.

  • Step 1: Download the Chocolate Finance app from the App Store or Google Play.
  • Step 2: Sign up and verify your identity using Singpass MyInfo.
  • Step 3: Once verified, add money to your account using bank FAST transfer or PayNow QR.

And voila! See your returns daily in the app.

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
Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3% p.a. return
On your first S$20k.
2.7% p.a. return
On your next S$30k.
Target 2.7% p.a.
On amounts thereafter.
Full-on security
Security is our top priority.
The link to download the app is on its way to you.
Check your SMS inbox and sign up now!