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Note: The projected returns in the illustration above are based on a US$50k balance earning 4.3% p.a. return on the first US$20k and 4% p.a. on the next US$30k. This return is currently supported by a promotional 'Top-Up Programme', valid during the qualifying period and subject to terms and conditions. Learn more. 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.
Alongside your SGD account, you can now boost your savings in USD with the new Chocolate Finance USD Account.
Here’s why you’ll love it:
🤑 4.3% p.a. on your first US$20k
🤑 4% p.a. on the next US$30k
🤑 and a target 4% p.a. on balances above US$50k
🥰 All with the same benefits of SGD.
The best part:
The Chocolate Top-Up Programme will support both US$50k and S$50k – that’s roughly a combined S$117k+ equivalent in total support.
Daily returns, no lock-ins and no hoops or complicated steps – just the simplicity and flexibility you love about your SGD account.
The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your first S$50k (currently 3% p.a. on your first S$20k and 2.7% p.a. on your next S$30k) and your first US$50k (currently 4.3% p.a. on your first US$20k and 4% p.a. on your next US$30k) 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 31 December 2025, or until the assets under management for the Chocolate Managed Account reach S$1.5 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.
There are many benefits to opening a USD account in Singapore.
Here’s why you’ll love it:
Does it get any better than that? Happy money, happy you!
Chocolate Finance is not covered by the Singapore Deposit Insurance Corporation (SDIC) because we are not a bank. Banks have SDIC protection because if the bank fails, your money is at risk. Chocolate operates differently. Your funds with Chocolate Finance are held separately by trusted custodians, HSBC, State Street, BNP Paribas, and Citibank under the management of our fund managers, and are ringfenced in the event that anything happens to Chocolate. Read more about SDIC here.
With the Chocolate USD account, enjoy 4.3% p.a. on your first US$20k, 4% p.a. on your next US$30k and a target 4% p.a. on any amount thereafter. 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 target return. What's more, if we don't make the target 4.3% p.a. for your first US$20k and 4% on your next US$30k, the difference will be topped up during the Qualifying Period so you enjoy the target return. Does it get any better than that?
Note: Balances above US$50k are not supported by the Chocolate Top-Up Programme. Chocolate reserves the right to change the target return from time to time in line with market conditions.
Yes, you’ll need a funded SGD account to open a USD account, as we currently can’t accept USD directly. Once you have topped up your SGD balance, you can easily convert between SGD and USD within the app. Simply:
There are no minimum or maximum requirements for the Chocolate Finance USD 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 US$87 are below 1 cent, so perhaps add more than that to start seeing your returns daily!
😎 Pro tip: Remember to top up your SGD account once you've converted some money over to USD to maximise daily returns across both accounts. Double returns = double happiness.
Converting money from SGD to USD is easy in the app. Simply:
• Tap on 'Convert' from the home page to move your SGD balance to USD.
• Enter the amount you want to convert. (In the app, you can tap the arrow to switch the exchange rate format between 1 SGD = XX USD or 1 USD = XX SGD.)
• Swipe to confirm and voila! Start enjoying USD returns as soon as the very next day – all while your SGD keeps earning too! Reminder that balances above US$50k will take 3-5 business days to start enjoying returns, just like in your SGD account.
💡 We use the mid-market exchange rate (like the one you see on Google), and apply a small Chocolate Guarantee FX fee to keep things transparent and predictable.
🤓 Pro tip: Remember to top up your SGD balance to maximise returns across both accounts.
To move money back to SGD, simply tap on 'Convert to SGD' to transfer USD back to your SGD balance and follow the same steps.
Transfers are processed instantly, so your money will be converted right away. It’s that simple!
Note: Direct USD deposits are not supported at this time.
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