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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.
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 up to 2.7% p.a. on any amount thereafter.
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 returns we’re working towards 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 up to 4% p.a. on balances above US$50k. All the same benefits as SGD, just in USD.
Start making life richer today!
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.
Easily! You can open a Chocolate Finance account in minutes.
And voila! See your returns daily in the app.
Good returns are like good friends! Life is better with them. So in addition to great returns, you can earn S$5 for every friend you successfully invite to join. It's a win-win!
To refer a friend, simply go to the 'More with Chocolate' section on the app homepage and tap on 'invite and get rewarded'. From there, you can easily share your unique referral link via your preferred communication app or copy the link to share manually.
Once your friend successfully signs up and adds money to their Chocolate account using your unique referral link, you will receive a notification, and S$5 will be credited to your Chocolate balance.
You can also give Chocolate access to your contacts for ease or manually enter their number into the search bar within the app to invite them directly. Once sent, your friends will receive an SMS with a unique link to download the app and sign up. This method allows you to track your referrals from the day you send the invite so you can keep track of who you've invited!
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 3% p.a. for the first S$20k, 2.7% p.a. on your next S$30k and up to 2.7% 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 3% p.a. for your first S$20k and 2.7% p.a. on your next S$30k, the difference will be topped up 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?
Chocolate Finance offers a return of 3% p.a. 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. 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. This means, if we don't make the target returns for your first S$50k or US$50k, 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.
With the Chocolate USD account, enjoy 4.3% p.a. on your first US$20k, 4% on your next US$30k, and a target 4% p.a. on balances above US$50k.
Chocolate reserves the right to change the target 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 a target return.
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. Learn why this happens
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.
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