You asked, we answered

Chocolate Finance is a new place for your spare cash!  🌟 Enjoy 4.3% p.a. return on your first HK$100k, 4% p.a. on your next HK$200k and up to 4% 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 Top-Up Programme, which means if we don't meet the returns we’re working towards during the Qualifying Period, we'll top up the difference. Smiling yet? 😊

Start making life richer today!

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Chocolate Finance offers a return of 4.3% p.a. on your first HK$100k, 4% p.a. on your next HK$200k, and up to 4% 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 once we deliver the return. This means, if we don't make the returns for your first HK$300k, the difference will be topped up during the Qualifying Period 🥳. Does it get any better than that? Learn more about the Top-Up 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.

Your money is invested into a portfolio of 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 4.3% p.a. for the first HK$100k, 4% p.a. on your next HK$200k and up to 4% p.a. 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 4.3% p.a. for your first HK$100k and 4% p.a. on your next HK$200k, the difference will be topped up so you enjoy the stated return during the Qualifying Period. Does it get any better than that?

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The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your first HK$300k (currently 4.3% p.a. on your first HK$100k and 4% p.a. on your next HK$200k) 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 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 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.

Chocolate is designed to be smooth, simple and safe. You can request a withdrawal anytime in your app.

At Chocolate, your money is invested in a portfolio of fixed-income funds to optimise returns. When you request a withdrawal, it typically takes up to 3 business days to process the withdrawal of invested funds – that’s how long it takes to sell your investments and transfer the money back to you.

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 to reach your account. That’s because those transactions may not have fully processed by our daily 1pm cut-off. In such cases, it can take up to 7 business days.

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 using and start!

And voila! See your returns daily in the app.

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 on business in Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities.

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

• Your money is safeguarded with SFC licensed institutions.
• 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, flagging any suspicious activity, and ensuring 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).

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

Only once 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 4.3% p.a. returns on your first HK$100k or amounts thereafter for performance below 4% p.a.

The balancing item helps show how we account for market movement so you can have a clear understanding of what's happening with your money. It displays the difference between your account balance and the assets backing your money. Since asset values go up and down, we balance this fluctuation for you so that you get the 4.3% p.a. return on your first HK$100k and 4% p.a. return on your next HK$200k. There are 2 kinds of balancing items reflected in your live account statement:
1. The Top-Up Programme – If your returns are lower than 4.3% p.a on your first HK$100k and 4% p.a. on your next HK$200k – the difference is topped up during the Qualifying Period. This difference is reflected as a positive balancing item.
2. An outperformance fee - We make our money when the fund outperforms the stated returns (we've got to make money somewhere :money_mouth_face:). If your returns are higher than 4.3% p.a on your first HK$100k or 4% p.a. on amounts above HK$100k, we take the excess as an outperformance fee (between 0-2%, depending on how much the portfolio outperforms). This is reflected as a negative balancing item. Rest assured, we only make money after you have made your returns.
In some circumstances, you may see a combination of both kinds of balancing items. For example, If you have a balance over HK$300k and the portfolio is delivering 4.1% p.a. your balancing item would contain both a:
0.2% top-up for the returns on your first HK$100k, taking you to the 4.3% p.a.
and a 0.1% outperformance fee for the balance above HK$300k, giving you the 4% p.a.