Chocolate Business is a new place for businesses in Singapore to grow their idle cash—designed to help your company’s money work harder, without the usual hoops.

Earn more from your business cash with daily returns, no lock-ins, and the confidence of the Chocolate Top-Up Programme.

Chocolate business is not a corporate bank account or fixed deposit, it is a Cash Managed Account, where your corporate funds are invested in a carefully managed portfolio, which can include short-duration fixed income and money market funds, so you can earn returns while keeping your money accessible.

• 1.5% p.a. on your first S$300k
• Up to 1.5% p.a. on amounts above that
• No lock-ins or hoops
• Daily returns you can track in-app
• Withdraw anytime

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No fees – we only make money once we deliver your returns.

Your first S$300k is supported by the Chocolate Top-Up Programme, so if we don’t meet the target during the Qualifying Period, we’ll top up the difference.

Simple, flexible, and designed to help your business cash do more.

Your company’s money is invested in a carefully selected portfolio of funds designed to deliver risk-adjusted returns. These can include short-duration fixed income funds and money market funds, optimised based on factors such as duration, yield to maturity, credit quality, and currency.

The Chocolate Managed Account for Business will be made up of:

• LionGlobal SGD Liquidity Fund Class (I)
• LionGlobal SGD Liquid Plus Fund Chocolate Class

These allocations may change at the discretion of the portfolio manager. You can always view the latest fund composition and allocation breakdown directly in your app. The portfolio does not invest in equities, helping to keep risk levels aligned with a cash management strategy.

You can also refer to Chocolate Business fund documents for past performance. Please note: past performance is not necessarily indicative of future results.

The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your company's first S$300k (currently 1.5% p.a.) during the Qualifying Period (until 30th September 2026). This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the current rate.

Chocolate Business reserves the right to make changes to the Qualifying Period or adjust its rates at any time without prior notice.

Risk disclosure: This programme does not guarantee capital or returns. Chocolate Business 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.

Step 1: Download the Chocolate Business app from the App Store or Google Play.

Step 2: If you’re an existing Chocolate Finance customer, simply log in using the same phone number linked to your personal account. If you’re new to Chocolate Finance, you’ll first need to verify your identity using Singpass.

Step 3: Complete your business verification.

You must be a director or authorised representative of the business. You'll need to confirm your company name and UEN, verify your identity, and provide any supporting information or documents required for verification. We will retrieve your company's BizFile and Constitution directly from ACRA, where available, reducing the amount of information and documentation you'll need to provide.

If any shareholders or stakeholders hold 25% or more ownership of the business, they will be required to verify their identity as part of the onboarding process. We may also contact other associated parties where required.

Supporting documents

(Depending on your business type):

• Private Limited Company (Pte Ltd): No additional document upload required
• Partnership: Partnership Agreement
• LLP: LLP Agreement
• Sole Proprietorship: No additional document upload required
• Charity: Charity Registration Certificate (if not reflected in ACRA records), List of Trustees, Directors, or Management Committee Members, Latest Audited Financial Statements or Annual Report

Documents can be uploaded in JPG, PNG, HEIC, WEBP or PDF format (maximum file size: 50MB).

Please note that the documents listed above are the most commonly required. Depending on your business structure and circumstances, we may request additional information or supporting documents to complete our review.

Step 4: Once all required parties have completed verification, you're all set! Use the Chocolate Business app to add and manage your business funds and track your returns daily.

You can also add additional users to your account at this stage. Account verification can take up to 2 business days, although it is often completed much sooner when all required information and documentation are provided.

If we require any further information to complete our review, we'll reach out directly to you or the relevant stakeholder via email with details of what is needed.

Adding money to your Chocolate Business account is simple and convenient. From the homepage of your Chocolate Business app, tap on 'Add Money' and choose from these options:

• One-time bank transfer: Make a one-time FAST bank transfer quickly and securely. Log in to your company's corporate bank account and use your Chocolate Business account details to make a transfer.
• PayNow Corporate: Save or screenshot the QR code and use your company's bank app to make a PayNow Corporate transfer.

Please note: Ensure you are transferring money from your company's corporate bank account, as we can only accept payments from accounts registered in your company's name.

Timeframes for transfers:

• Singapore FAST and PayNow Transfers are typically instant. If your transfer isn't immediate, allow a few minutes for processing.

There are no minimum or maximum requirements for the Chocolate Business account. You can add as much or as little as you like! However, it's worth noting that the returns you earn on amounts less than S$246 are below 1 cent, so perhaps add more than that to start seeing your returns daily!

Your company's money starts earning returns quickly with Chocolate Business:

• Balances below S$300k: You'll see returns in your app the next day.
• Balances above S$300k: Depending on when we receive your money, it takes 3-5 business days to start seeing returns on your latest top-up.

To make sure your company's money is safer than ever, all withdrawal accounts must be verified to protect you against scams and fraud.

To securely add a verified withdrawal account, simply top up your Chocolate Business account from your company's corporate bank account (any amount will do). We'll verify the account name and number through this deposit automatically and save it for future withdrawals.

You can withdraw your company's money anytime from your Chocolate Business account:

• Tap "Withdraw" on the Chocolate Business app homepage.
• Enter the amount you want to withdraw and swipe to confirm.
• Your withdrawal will take 1-2 business days to reach your bank account.

There are no charges or penalties to withdraw your company's money. Take money out anytime, no restrictions.

Chocolate Business is designed to be smooth, simple and safe. You can request a withdrawal anytime in your app. At Chocolate Business, your company's money is invested in a portfolio of funds to optimise returns. When you request a withdrawal, it typically takes 1-2 business days to process.

For withdrawals:

• Up to S$50k per day (or multiple withdrawals adding up to S$50k) Usually 1 business day
• Above S$50k per day Usually 2 business daysYou will be able to see in the app if you have already withdrawn over S$50k today.

Try withdrawing tomorrow after 8am when the limit resets.In some instances – like if you've recently added money or made multiple transactions — your withdrawal might take a little longer to reach your account.