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

% 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.

% p.a. on your first S$20k. Earn 4.5% p.a. on your first S$20k. Earn 4.5

Regulated by

Founded by the founder of

Backed by

Investment Manager

Make Life Richer

The irresistible benefits of Chocolate

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.

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.

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.

Withdraw anytime.

No lock-ins.
No limits.

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

No minimums.

No fees.

Chocolate makes money only after you've made money.

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

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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

2.30

1 month

3 months

210

6 months

420

1 year

840

How it works

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.

A 3D icon in red and the letter 'i' illustrating savings account security with Singpass identity verification.

Your account is kept secure in multiple ways.

We use Singpass identity verification, 2FA for large transactions, real-time transaction alerts, vigilant monitoring, and regular audits to ensure the safety of your account. It doesn’t get any safer than that.

A 3D icon of a safe deposit box illustrating customers savings held safe in custody accounts.

Your money is always safe.

With Chocolate Finance, your funds are held in segregated custody accounts with MAS-licensed institutions. This ensures your money is safe no matter what happens to Chocolate.

Security you can trust

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Reviews

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

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31Kusers

Downloads

33K

5 Star reviews

500