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!
Our belief is this: When your money is happy, you are happy too.

Our belief is this:
When your money is happy, you are happy too.

In 2014, our founder, Walter de Oude, had a vision to simplify life insurance.

So he started Singlife – the first new life insurance company in Singapore to be licensed in almost 50 years, which is now one of the largest insurance companies in Singapore. He changed the insurance industry forever. Now he wants to go one step further. He wants to simplify your savings too.

Which is why he has started Chocolate. Because he believes if your money is happy, you’re happy too.

A photo of a man with a t-shirt with Chocolate Finance's logo and smiling due to his savings being simplified.
Who we are

Meet
the team

At Chocolate Finance, we have brought together a team of experts who have a passion for changing the finance industry. We believe there’s a better way. For you and, as consumers, for ourselves.

We have people who make technology work for you. People who make your experience with Chocolate simple, frictionless and joyful. People who know where to invest your money to help you get the happy returns. We are people who care about making your life richer.

Chocolate's investors include well-known names like Peak XV (previously Sequoia), Prosus, partners of DST Global, Chocolate Ventures and other leading investors.

We’re one team with one dream. All working for you.
Walter de Oude - Founder and CEO for Chocolate Finance
Walter de Oude
Founder and CEO
A qualified actuary with over 25 years of experience in retail insurance, banking and asset management.
Benjamin Tan - Chief Investment Officer for Chocolate Finance
Benjamin Tan
Chief Investment Officer
Benjamin's got 20+ years rocking portfolio management, wealth setups, and capital market smarts!
Thomas Chia - Chief Technology Officer for Chocolate Finance
Thomas Chia
Chief Technology Officer
A decade of hands-on experience in technology and finance, ranging from early-stage startups to corporate enterprise.
Anushka Yadav - Chief Creative Officer for Chocolate Finance
Anushka Yadav
Chief Creative Officer
With a passion for all things creative, she's driven excellence for 12 years, shaping brands and user experiences across diverse business landscapes.
Anto Lawrence - Chief Product Officer for Chocolate Finance
Anto Lawrence
Chief Product Officer
Over 15 years of Product Management experience, skilled in launching digital products across diverse markets.
Artur Luhaäär - Operations & finance for Chocolate Finance
Artur Luhaäär
Operations & finance
Artur has cofounded two fintech startups, developed teams, products, crafted operations and successfully raised millions in funding.
Amelia Tan - Head of Compliance for Chocolate Finance
Amelia Tan
Head of Compliance
More than 15 years of investment and regulatory compliance experience in the financial industry.

Why the name Chocolate Finance?

Well why not? 😛 We’re building a happy place for your money so we thought of naming it something that evokes happiness too!
  • Everyone loves Chocolate.
  • Chocolate makes you happy.
  • We want you to be happy about your money.
Our vision

Redefine the meaning of wealth and help people make their lives richer.

We are a company that aims to create financial happiness for everyone, by creating simple and frictionless products that put a smile on your face when you think about finances.

We are growing with you.

The journey has just begun for us. We’re a company that is open to feedback and is growing steadily. Watch this space as we bring more services and product offerings in near time. Tell us what you’d like to see next in the Chocolate app.
Make a suggestion
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.

You asked, we answered

What is Chocolate Finance?

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Is Chocolate Finance a good way to make money?

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What is the Chocolate Finance waitlist?

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Is Chocolate Finance a bank?

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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.
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!