Chocolate Finance is a new place for your spare cash!  🌟 Enjoy 3.8% p.a. return on your first HK$100k and 3.5% p.a. on your next HK$200k. Above that, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards.

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!

Chocolate Finance offers a return of 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k. Above that, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards. There’s no minimum or maximum limit - you can start with any amount. 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.

Your money is invested in a portfolio of SFC-authorised funds carefully selected to optimise risk-adjusted returns, based on factors such as duration, yield to maturity, credit quality, and currency. While the performance of the underlying investments may vary, Chocolate Finance offers clients a return of 3.8% p.a. on the first HK$100,000 and 3.5% p.a. on the next HK$200,000 under the Chocolate Advantage Program. Any amount above HK$300k, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards.

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?

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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 31 Dec 2026; or until the assets under management for the Chocolate Managed Account reach HK$1 billion—whichever comes first, unless extended, shortened, suspended, or otherwise varied by Chocolate Finance in its sole discretion. Any such variation shall be communicated to Customers through the Chocolate Mobile Application, the Website, or by email to You.

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.

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.

For withdrawals up to HK$50k, or multiple withdrawals adding up to HK$50k within any 1 given day – You should 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.

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.

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).

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.

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.