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

Download the app

Scan to download

Or get a download link via SMS instead

Thank you! Your submission has been received!

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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

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

31Kusers

Downloads

33K

5 Star reviews

500

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Zakariya Cisneros

12.6.2022

The company did very good with my order. Though their supplier was closed on that specific 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.

Aiza Pierce

12.6.2022

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

Elle Estrada

12.6.2022

Mariyah Pena

12.6.2022

Martin Rosser

12.6.2022

Jordyn Arcand

12.6.2022

Zakariya Cisneros

12.6.2022

Aiza Pierce

12.6.2022

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

Elle Estrada

12.6.2022

Mariyah Pena

12.6.2022

Martin Rosser

12.6.2022

Jordyn Arcand

12.6.2022

Zakariya Cisneros

12.6.2022

Aiza Pierce

12.6.2022

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

Elle Estrada

12.6.2022

Mariyah Pena

12.6.2022

Martin Rosser

12.6.2022

Jordyn Arcand

12.6.2022

Coming soon

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?

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

How does Chocolate Finance generate these great returns?

Is Chocolate Finance legitimate and regulated by the MAS?

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

Is Chocolate Finance a good way to make money?

What is the Chocolate Finance waitlist?

Is Chocolate Finance a bank?

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.

4.2% return

On your first S$20,000.

Full-on security

Security is our top priority.

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 4.2% p.a. return is subject to change based on market conditions, with Chocolate top-up support 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.

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

Make Life Richer

The irresistible benefits of Chocolate

No hoops.

No lock-ins. No limits.

No fees.

Safe and secure.

No hoops.

No lock-ins. No limits.

No fees.

Safe and secure.

Oh, and when we say 4.2% p.a., we mean it.

Enjoy these returns with Chocolate

Your account is kept secure in multiple ways.

Your money is always safe.

Security you can trust

Don’t take our word for it, take theirs

You asked, we answered

Download the app and sign up now.

It only takes a few minutes.

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

No lock-ins.
No limits.

No lock-ins.
No limits.

Don’t take our word for it,
take theirs