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Note: The projected returns in the illustration above are based on a US$50k balance earning 4.3% p.a. return on the first US$20k and 4% p.a. on the next US$30k. 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.
Alongside your SGD account, you can now boost your savings in USD with the new Chocolate Finance USD Account.
Here’s why you’ll love it:
🤑 4.3% p.a. on your first US$20k
🤑 4% p.a. on the next US$30k
🤑 and up to 4% p.a. on balances above US$50k
🥰 All with the same benefits of SGD
👌 Add or withdraw USD directly, or convert between SGD and USD instantly - effortlessly and without hassle
The best part:
The Chocolate Top-Up Programme will support both US$50k and S$50k – that’s roughly a combined S$117k+ equivalent in total support.
Daily returns, no lock-ins and no hoops or complicated steps – just the simplicity and flexibility you love about your SGD account.
The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your first S$50k (currently 3% p.a. on your first S$20k and 2.7% p.a. on your next S$30k) and your first US$50k (currently 4.3% p.a. on your first US$20k and 4% p.a. on your next US$30k) during the Qualifying Period. This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the current rate.
The Qualifying Period runs from now until 31 December 2025, or until the assets under management for the Chocolate Managed Account reach S$1.5 billion—whichever comes first. Chocolate may, at its discretion, choose to extend or remove the Top-Up Programme.
Chocolate reserves the right to make changes to the Qualifying Period or adjust its rates at any time without prior notice. The Top-Up Programme will apply to the revised rate as long as it's within the Qualifying Period. For more details, please refer to the liquidity and top-up terms and conditions.
Risk disclosure 🤓: This programme does not guarantee capital or returns. Chocolate reserves the right to pause or stop the programme at any time due to market disruptions, over-utilisation, excessive withdrawals, exchange restrictions, or other force majeure events.
There are many benefits to opening a USD account in Singapore.
Here’s why you’ll love it:
Does it get any better than that? Happy money, happy you!
Chocolate Finance is not covered by the Singapore Deposit Insurance Corporation (SDIC) because we are not a bank. Banks have SDIC protection because if the bank fails, your money is at risk. Chocolate operates differently. Your funds with Chocolate Finance are held separately by trusted custodians, HSBC, State Street, BNP Paribas, and Citibank under the management of our fund managers, and are ringfenced in the event that anything happens to Chocolate. Read more about SDIC here.
With the Chocolate USD account, enjoy 4.3% p.a. on your first US$20k, 4% p.a. on your next US$30k and up to 4% p.a. on any amount thereafter. No lock-ins. No complex criteria or hoops to jump through.
See your returns daily in the app. Chocolate takes no fee and only makes money once we deliver your returns. What's more, if we don't make the 4.3% p.a. for your first US$20k and 4% on your next US$30k, the difference will be topped up during the Qualifying Period so you enjoy the return. Does it get any better than that?
Note: Balances above US$50k are not supported by the Chocolate Top-Up Programme. Chocolate reserves the right to change the return from time to time in line with market conditions.
You have two easy ways to add money to your USD account: convert between SGD and USD in the app instantly, or transfer USD directly to/from your bank account.
Convert between SGD and USD instantly in the app
• Simply tap ‘Convert’ from your home screen, enter the amount you’d like to convert, and swipe to confirm. You can also tap the rate display to toggle between exchange formats (1 SGD = XX USD or 1 USD = XX SGD).
• Your money starts earning returns quickly. Balances below US$50k – You'll see returns in your app the next day. Balances above S$50k – Depending on when we receive your money, it takes 3-5 business days to start seeing returns.
• To convert USD back to SGD, simply tap ‘Convert to SGD’ and follow the same steps. Conversions are processed instantly both ways.
💡 We use the mid-market exchange rate (like what you see on Google), plus a small, transparent Chocolate Guarantee FX fee to keep things fair and predictable.
Transfer USD directly to/from your bank account
You can now add or withdraw USD directly from your own bank account. This is perfect if you already hold USD elsewhere.
1. Here’s how adding USD directly works:
• Transfers from DBS bank: free, usually instant but may take up to 3 business days to reach your Chocolate account.
• Other banks: bank charges may apply, up to 6 business days to reach your Chocolate account.
• Make sure you're transferring from a bank account in your name, in USD currency only. Do not use e-wallets, credit cards, ATMs, or third-party services—these will be rejected and returned, with a US$50 handling fee deducted.
2. Here’s how withdrawing USD directly works:
• Withdrawals to DBS bank: free, usually 3 business days to reach your account.
• Withdrawals to other banks: US$20 handling fee, up to 6 business days to reach your account.
Note: In some instances – like if you’ve recently added money, converted to/from USD, or made multiple transactions - your withdrawal might take a little longer.
3. 🚨 Important information to keep things smooth
1. Transfers must come from a bank account in your name and in USD only.
2. Money sent from a bank not in your name will be returned will incur a US$50 fee (refunds will be reduced accordingly).
3. E-wallets, credit cards, ATMs, or third-party services are not accepted and will be returned with US$50 handling fee reduced.
4. USD Telegraphic transfers are different from SGD FAST transfers and take longer to go through the bank systems. Chocolate will reflect your USD direct deposit as soon as we receive it. If it is not reflected, please check with your sending bank on the expected time since it is different for each bank
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