The link to download the app is on its way to you.
Check your SMS inbox and sign up now!
From 1st December 2025, our returns will be updated to reflect market shifts. Enjoy 2% p.a. on your first S$20k, 1.8% p.a. on your next S$30k, and up to 1.8% p.a. for balances above S$50k, with extended Top-Up Programme support for the first S$50k! Show more

Joanne Poh

Joanne Poh is a seasoned financial writer with over 10 years of experience covering insurance, personal finance, real estate, fintech, and travel. Her mission is to empower everyday individuals with clear, actionable financial insights that improve their long-term financial well-being.

Joanne's work has appeared on leading platforms including MoneySmart, Yahoo!, MSN, AsiaOne, and HerWorldPLUS, reaching audiences across Southeast Asia. She has also been featured in numerous financial webinars and expert panels, discussing topics from savings strategies to passive income generation.

With a proven track record of demystifying complex financial concepts, Joanne translates topics like regular savings plans, high-interest savings accounts, and investment basics into reader-friendly, practical content. Her unique blend of first-hand experience, rigorous research, and a deep understanding of Singapore’s financial landscape has earned her a reputation as a trusted voice in personal finance.

In addition to her published writing, Joanne frequently contributes to financial literacy initiatives, speaks at community outreach events, and maintains an active presence on LinkedIn. Her commitment to ethical writing, accuracy, and user-first content ensures that readers not only stay informed – but also inspired – to take control of their financial futures.

Follow Author name on

The importance of emergency funds: How to build and maintain a safety net

September 26, 2024
At Chocolate Finance, we understand the critical role of emergency funds in securing your financial future. To provide you with expert insights on this topic, we interviewed Joanne Poh, a renowned finance writer and expert. In this interview, she shares invaluable tips and strategies for building and maintaining an emergency fund. Whether you're just starting to save or looking to strengthen your existing financial safety net.
Read more

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.
3% p.a. return
On your first S$20k.
2.7% p.a. return
On your next S$30k.
Up to 2.7% p.a.
On amounts thereafter.
Full-on security
Security is our top priority.
Our website is having a moment...

This is one of those annoying times where technology decides to have some unplanned fun.  We’re working on it and our site should be back to normal very soon. Thank you for your patience.

If you need anything urgent, or have questions about Chocolate Finance, check out our socials or reach out to us at: