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.

% 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

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

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. Your money will arrive into your account in 3-6 business days.

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$50k 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 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

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.

On your first S$50k,

Enjoy these returns with Chocolate

How it works

1 day

4.10

1 month

124

3 months

372

6 months

767

1 year

1,535

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.

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

50Kusers

Downloads

58K

5 Star reviews

850