Imagine
‍3.8% returnsp.a., without hoops or lock-ins!

With Chocolate Finance, you get happy returns. Enjoy 3.8% p.a. on your first HK$100k, 3.5% p.a. on your next HK$200k and up to 3.5% p.a. on any amount above that. Are you smiling yet?

Join the waitlist

3.8%

% p.a. on your first HK$100k. Earn 3.8% p.a. on your first HK$100k. Earn 3.8

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 3% p.a. on your first S$20k. Earn 3

License no. BSF252

Chocolate Finance is not a bank. We’re an asset management company designed to deliver a happier return on your spare cash.

Trusted by

100K+ users

5 Stars reviews

1,000+

Make

life

richer

Chocolate Advantage Programme supported

3.8% p.a.

On your first HK$100k

Chocolate Advantage Programme supported

3.5% p.a.

On your next HK$200k

Up to

3.5% p.a.

On any amount thereafter

Add money

Oh, and when we say 3.8% p.a., we mean it.

If we don't make the returns for your first HK$300k (3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k), the difference will be made up during the qualifying period. Does it get any better than that? Learn more

The irresistible benefits of Chocolate

No hoops.

Daily returns.

No complex criteria. Just put your money in and start seeing daily returns on your first HK$100k 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.

No lock-ins. No limits.

Instant withdrawal.

Take your money out anytime. No restrictions. No penalties. For information on withdrawals, learn more here.

No minimums.

No fees.

Chocolate makes money only after you've made money. Our success is directly tied to yours, that’s why we don’t charge any fees upfront.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.

Security is our top priority.

Safe and secure.

We safeguard your account with cutting edge technology, HKID verification, real time alerts,  ring-fenced custody and relentless fraud protection.

Join the waitlist

Get exclusive early access

Be among the first to experience our happy returns.

Join the waitlist

A 3D icon of a coin with a currency symbol illustrating the best interest rate for savings accounts.

On your first HK$300k,

Enjoy  these returns with Chocolate

Join the waitlist

1 day

HK$

1 month

HK$

871

3 months

HK$

2,613

6 months

HK$

5,226

1 year

HK$

10,603

Note: The projected returns in the illustration above are based on a HK$300k balance earning 3.8% p.a. return on the first HK$100k and 3.5% p.a. on the next HK$200k. Illustrated returns are rounded for presentation purposes. This return is currently supported by a promotional 'Chocolate Advantage Programme', valid during the qualifying period and subject to terms and conditions. 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.

Join the waitlist

To bring you the best returns

We work with the best

Peace of mind

Security
you can trust

Join the waitlist

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 HKID 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 a segregated custody accounts with SFC-licensed institutions. This ensures your money is safe no matter what happens to Chocolate.

Reviews

Don’t take our word for it,
take theirs

Happy reviews from the App store, Google Play store and Google.

Trusted by

100K+users

Downloads

134K+

5 Star reviews

1,000+

it's so easy, clean and smooth with just about everything. I love this app

Ash Win

September 19, 2025

Super fast response and helpful in their customer service watapps process not like dbs take 3 days to respond and before got the issue where mass ppl remove money even myself when it take days for money to be withdrawn but after that saga now im back with them again for their wonderful services and high interest rate

Jun Wei Ong

September 25, 2025

Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!

coppertaneSG

July 24, 2025

after using like more than half a year, have to say this is a decent product : daily interest and decent rate, simple and straight forward UI for navigating, nice card design, easy to transfer in and out and responsive customer service. all of these have enabled cf to offer a good alternate option for money parking.

Wenle Zhang

January 7, 2026

Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.

Shaanjeet Kaur

July 28, 2025

Simple to use app, takes a day or two to withdraw funds. great experience overall.

King Kong Macrov

August 28, 2025

easy to use and good int rates for your spare money

fiojoy

August 29, 2025

Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.

Gam (gamov)

September 16, 2025

Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!

Spinokio8

July 25, 2025

it's so easy, clean and smooth with just about everything. I love this app

Ash Win

September 19, 2025

Jun Wei Ong

September 25, 2025

Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!

coppertaneSG

July 24, 2025

Wenle Zhang

January 7, 2026

Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.

Shaanjeet Kaur

July 28, 2025

Simple to use app, takes a day or two to withdraw funds. great experience overall.

King Kong Macrov

August 28, 2025

easy to use and good int rates for your spare money

fiojoy

August 29, 2025

Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.

Gam (gamov)

September 16, 2025

Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!

Spinokio8

July 25, 2025

it's so easy, clean and smooth with just about everything. I love this app

Ash Win

September 19, 2025

Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!

coppertaneSG

July 24, 2025

Wenle Zhang

January 7, 2026

Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.

Shaanjeet Kaur

July 28, 2025

easy to use and good int rates for your spare money

fiojoy

August 29, 2025

Simple to use app, takes a day or two to withdraw funds. great experience overall.

King Kong Macrov

August 28, 2025

Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.

Gam (gamov)

September 16, 2025

Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!

Spinokio8

July 25, 2025

Jun Wei Ong

September 25, 2025

You asked, we answered

Can't find your question? View all our FAQ’s, chat with us on WhatsApp, or email us via: hello.hk@chocolatefinance.com

What is Chocolate Finance?

Chocolate Finance is a new place for your spare cash! 🌟 Enjoy 3.8% p.a. return on your first HK$100k, 3.5% p.a. on your next HK$200k and up to 3.5% p.a. on any amount thereafter.

We are not a bank or a fixed deposit – we don’t require you to lock in your money for long periods, jump through hoops, or deal with confusing tiered rates.

Daily returns: See your returns every single day.
No lock-ins, withdraw anytime.
No complex criteria or hoops to jump through.
What's more, we take no fees and make no money until we deliver your returns.

The best part? Returns on your first HK$300k are supported by the Chocolate Advantage Programme, which means if we don't meet the returns we’re working towards during the Qualifying Period, we'll make up the difference to you. Smiling yet? 😊

Start making life richer today!

What rate is Chocolate Finance offering?

Chocolate Finance offers a return of 3.8% p.a. on your first HK$100k, 3.5% p.a. on your next HK$200k, and up to 3.5% p.a. on any amount thereafter. Daily returns. 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 after we deliver the return. This means, if we don't make the returns for your first HK$300k, we will make up the difference to you during the Qualifying Period so you enjoy the stated return 🥳. Does it get any better than that? Learn more about the Chocolate Advantage Programme here.

Chocolate reserves the right to change the return from time to time in line with market conditions.

Note: Chocolate Finance is not a bank and doesn't 'offer interest'. Instead, your money earns a 'return' based on the performance of the Chocolate Managed Account portfolio designed to deliver the return.

How does Chocolate Finance generate these great returns?

Your money is invested into a portfolio of SFC authorised funds carefully selected to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency. This allows the portfolio to deliver a return of 3.8% p.a. for the first HK$100k, 3.5% p.a. on your next HK$200k and up to 3.5% p.a. on any amount thereafter. We take no fee and make no money until we deliver your returns. What's more, if the portfolio doesn't make 3.8% p.a. for your first HK$100k and 3.5% p.a. on your next HK$200k, the difference will be made up to you by Chocolate so you enjoy the stated return during the Qualifying Period. Does it get any better than that?

To learn more about what the underlying funds invest in, see our FAQ: 👉 What are the underlying funds?

What is the Chocolate Advantage Programme and its Qualifying Period?

The Chocolate Advantage Programme is a promotional programme. It's been put in place to support the returns on your first HK$300k (currently 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k) during the Qualifying Period. This means, if for some reason, the portfolio underperforms, the difference will be made up to you by Chocolate so you enjoy the current rate.

The Qualifying Period runs from now until 30th June 2026, or until the assets under management for the Chocolate Managed Account reach HK$1 billion—whichever comes first. Chocolate may, at its discretion, choose to extend or remove the Chocolate Advantage Programme.

Chocolate reserves the right to make changes to the Qualifying Period or adjust its rates at any time without prior notice. The Chocolate Advantage Programme will apply to the revised rate as long as it's within the Qualifying Period. For more details, please refer to the Chocolate Instant Withdrawal Programme and Chocolate Advantage Programme terms and conditions.

Risk disclosure: Chocolate Finance is licensed by the SFC (Securities & Futures Commission of Hong Kong) and cannot guarantee returns. We never want to pause the Chocolate Advantage Programme, but we reserve 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, in order to protect our customers' interest in the long run.

How do I open a Chocolate Finance account?

Easily! You can open a Chocolate Finance account in minutes.

- Step 1: Download the Chocolate Finance app from the App Store or Google Play.
- Step 2: Sign up and verify your identity.
- Step 3: Once verified, add money to your account and start using!

And voila! See your returns daily in the app.

How long do withdrawals take to reach my account?

For withdrawals up to HK$50k, or multiple withdrawals adding up to HK$50k within any 1 given day – You will receive your money instantly! ⚠️ In exceptional circumstances, such as an unusually high volume of withdrawal requests where we have reached our total daily withdrawal cap, you can still withdraw your money – it will just take a little longer to reach you – usually 3 business days, or you can wait until the next day. Read the full terms here.

For withdrawals over HK$50k (or multiple withdrawals adding up to more than HK$50k within any 1 given day) – You should usually receive your money in 3 business days (or a bit longer if you are withdrawing money you recently added). For example, if you withdraw HK$40k instantly and in the same day request another HK$20k, the second withdrawal should usually take 3 business days to reach your account since the total for the day exceeds HK$50k (HK$40k + HK$20k = HK$60k).

In some instances – like if you’ve recently added money, or made multiple transactions or during portfolio rebalancing — your withdrawal might take a little longer to reach your account. That’s because those transactions may not have fully processed by our daily 12:30pm cut-off. In such cases, it can take up to 7 business days.

Is Chocolate Finance Legitimate?

Yes, Chocolate Finance is absolutely legitimate! Chocolate Finance is a brand of Chocolate Finance HK Ltd, which is licensed (CE No. BSF252) under the Securities and Futures Ordinance (Cap 571) to carry out business in Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities.

How secure is Chocolate Finance?

Security is our top priority. Here's how we keep your account, money, and data secure:

Your money is safeguarded within a separated trust account in a bank.
We implement two-factor authentication (2FA) and a pin for high value transactions and withdrawals, adding an extra layer of protection to your account.
We provide real-time alerts to keep you informed of any account activity.
Our transaction monitoring system keeps a close eye on all transactions and would flag any suspicious activity to ensure your peace of mind.
We regularly scan for vulnerabilities and hire independent auditors to conduct internal and external security tests.

Rest assured, Chocolate Finance is operated by Chocolate Finance HK Ltd, licensed by the Securities and Futures Commission of Hong Kong (CE No. BSF252).

As there are no fees, how does Chocolate Finance make money?

There are no monthly charges or subscriptions for using Chocolate Finance. We invest your money in a portfolio of fixed-income funds and no fees are charged until you achieve the stated returns. We only make money after you’ve made money. So naturally, it’s our number one priority to deliver on your returns.

Only if the return has been achieved and the fund outperforms the returns, we will take a fee of between 0-2%, depending on how much the portfolio outperforms (we've got to make our money somewhere 🤑). We will never take any money from your 3.8% p.a. returns on your first HK$100k or amounts thereafter for performance below 3.5% p.a.

What underlying funds does my money go to?

The Chocolate Finance managed account is a portfolio of funds currently made up of:

Amundi Funds US Short Term Bond Fund
Invesco USD Ultra-Short Term Debt Fund
Taikang Kaitai Overseas Short Tenor Bond Fund
abrdn Short Dated Enhanced Income Fund

Portfolio composition may change at the sole discretion of the portfolio manager from time to time. In your app, you will be able to see the information on each fund and the percentage of money allocated to them.

Join the waitlist

Get exclusive early access

Be among the first to experience our happy returns

Join the waitlist

Chocolate Finance is a brand of Chocolate Finance HK Ltd, which is licensed (CE No. BSF252) under the Securities and Futures Ordinance (Cap 571) to carry on business in Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities. Chocolate Finance’s returns are subject to change based on market conditions, with Chocolate Advantage Programme offered as a promotional activity during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Securities & Futures Commission of Hong Kong (SFC).

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a solicitation or recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.

Imagine ‍3.8% returnsp.a., without hoops or lock-ins!

Make

life

richer

The irresistible benefits of Chocolate

Daily returns.

Instant withdrawal.

No fees.

Safe and secure.

Get exclusive early access

Enjoy these returns with Chocolate

We work with the best

Security you can trust

Your account is kept secure in multiple ways.

Your money is always safe.

Don’t take our word for it, take theirs

You asked, we answered

Get exclusive early access

Imagine
‍3.8% returnsp.a., without hoops or lock-ins!

Enjoy  these returns with Chocolate

Security
you can trust

Don’t take our word for it,
take theirs