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

Chocolate Finance is a new place for your spare cash!  🌟 Enjoy 3% p.a. return on your first S$20k, 2.7% p.a. on your next S$30k and a target 2.7% p.a. on any amount thereafter.

• 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 the target return.

The best part? Returns on your first S$50k are supported by the Chocolate Top-Up Programme, which means if we don't meet the target returns during the Qualifying Period, we'll top up the difference. Smiling yet? 😊

Chocolate Visa debit Card: Every Chocolate Finance account comes with a free Visa debit card, with probably the best FX rates in town. Because making life richer starts with spending smarter!

Boost your savings with USD

Enjoy higher returns with the Chocolate USD Account – 4.3% p.a. on your first US$20k, 4% p.a. on your next US$30k, and a target 4% p.a. on balances above US$50k. All the same benefits as SGD, just in USD.

Start making life richer today!

‍

Chocolate Finance is a brand proudly founded in Singapore. Registered under the name Chocfin Pte Ltd, we are a private company founded in Singapore, with our head office located in Singapore.

‍

Chocolate Finance is a new place for your spare cash.

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. With Chocolate Finance, you can see your returns every single day in the app. You can withdraw your money anytime – hello, happy money.

We invest your funds in a carefully curated portfolio, which can include a mix of conservative short-duration fixed income funds and money market funds. The portfolio is currently targeting a return of 3% p.a. on your first S$20k and 2.7% p.a. on amounts above that. And if we don’t meet that target return for your first S$50,000 during the Qualifying Period (3% p.a. on your first S$20k and 2.7% p.a. on your next S$30k), we’ll top up the difference to ensure you enjoy the full return. What’s more, Chocolate Finance only makes money once we achieve your target return. It doesn’t get better than that, does it? Learn more about our Top-Up Programme here.

To understand more about which underlying funds we are currently investing in, see our FAQ: 👉 What are the underlying funds?

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 using Singpass MyInfo.
• Step 3: Once verified, add money to your account using bank FAST transfer or PayNow QR.

And voila! See your returns daily in the app.

Share your ideas and win - you can help make Chocolate Finance better for everyone. However small or big – tell us what you think, and stand a chance to win up to S$100! From now until 30th September 2025, share feedback, suggestions, or report a bug and the top 3 reporters will be rewarded – 1st place: S$100, 2nd place: S$50, 3rd place: S$25. Rewards will be credited to winners' accounts in April. We can't wait to hear from you.

To get started, simply shake your phone, take a screenshot or tap on the ‘Share your ideas and win’ banner under the 'More with Chocolate' section on your app homepage and follow the instructions on the pop-up!

Whilst imitation is the sincerest form of flattery, we take things like this seriously. Please help us to control impersonations by reporting this to our team immediately. The fastest way is to open the Chocolate Finance app and tap on the pink WhatsApp icon in the top right corner of your homepage and we'll get chatting! Alternatively, you can call us on +65 9479 7979 or email support@chocolatefinance.com. We thank you in advance.