From 1st November 2024, our returns will be updated to reflect market shifts. Show more
Enjoy 3.6% p.a. on your first S$20k, 3.2% p.a. on your next S$30k, and a target 3.2% p.a. for balances above S$50k. Plus extended Top-Up Programme support for the first S$50k!

Imagine
4.2%p.a. returns, without hoops or lock-ins!

With Chocolate Finance, you get happy returns. Enjoy 4.2% p.a. on your first S$20k and a target 3.5% p.a. on any amount above that. Are you smiling yet?
Let's go
4%
% p.a. on your first S$20k. Earn 4.5% p.a. on your first S$20k. Earn 4.5
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 4.5% p.a. on your first S$20k. Earn 4.5
4%
Regulated by
Founded by the founder of
Backed by
Investment Manager

Make Life Richer

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$20k 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$20k 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 4.2% p.a., we mean it.

If we don't make the target 4.2% p.a. return for your first S$20k, the difference will be topped up during the qualifying period. Does it get any better than that? Learn more

Download the app
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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$20k,

Enjoy these returns with Chocolate

How it works
1 day
S$
2.30
1 month
S$
70
3 months
S$
210
6 months
S$
420
1 year
S$
840

Note: The projected returns in the illustration above are based on a 4.2% p.a. return on a S$20k balance. 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
31Kusers
Downloads
33K
5 Star reviews
500
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Zakariya Cisneros
12.6.2022
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Aiza Pierce
12.6.2022
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Lawrence Jones
12.6.2022
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Khadijah Klein
12.6.2022
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Elle Estrada
12.6.2022
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Mariyah Pena
12.6.2022
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Martin Rosser
12.6.2022
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Jordyn Arcand
12.6.2022
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Zakariya Cisneros
12.6.2022
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Aiza Pierce
12.6.2022
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Lawrence Jones
12.6.2022
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Khadijah Klein
12.6.2022
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Elle Estrada
12.6.2022
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Mariyah Pena
12.6.2022
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Martin Rosser
12.6.2022
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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

What is Chocolate Finance?

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Download the app and sign up now.

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Verify your identity using Singpass
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Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
4.2% return
On your first S$20,000.
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!