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Making higher returns, you can count on.
It’s nerdy business.

Our financial experts and selected partners have a long and proven track record. A reputation for delivering better returns with lower risk. It’s complicated magic. Let’s tell you how it’s possible.
What we do

We make your money work harder for you.

Start earning returns immediately on your first S$20k.
The moment you put money into your Chocolate Finance account, you’ll start earning returns the very next day on amounts below S$20k.
On any amount above S$20k: It will take between 3-5 business days to start seeing your return.
Get your returns - Every. Single. Day.
4.5% p.a. on your first S$20K and a target 3.5% p.a. on any amount above that.
No hoops to jump through, no penalties.
Even if you withdraw your cash after a week, you’ll get what you have earned up until that moment.
So, will you let your money be idle?

Or will you put it to work with Chocolate?

Join the waitlist for exclusive early access. Or, if you have a friend who has already has an account, ask them to refer you!
Or, if you have a friend who has already has an account, ask them to refer you!

This is how we
make your money grow

We invest in
bonds globally

Leaving no stone unturned, we seek out, thoroughly test, and select a diversified portfolio of high-performing, short-term investment grade bond funds, spanning across developed and emerging markets. Managing volatility using safe and real assets is key.

Managing duration for increased returns

We’re not limited to money-market, overnight or bank-like assets for our Chocolate Managed Account, which means we have more ways to generate returns. Adding duration to our portfolio and focusing on yield to maturity mean we can generally keep our target returns stable for longer. We continually strive to find the perfect balance between happy returns, low volatility and enhanced liquidity.

We put our money where our mouth is

We only make money when you make money. So naturally, it’s our number one priority to make the returns we’ve targeted for you.

Better still, if we don’t deliver the target returns on balances below S$20k, from now until 31 December 2024 or until we reach S$500 million AUM, the difference will be topped up on balances up to S$20k.

It’s not only a better way, it’s the right way. Who else does this? Nobody.

There are no guarantees in life. So, although you currently enjoy a 4.5% p.a. return on your first S$20k, we can’t guarantee it. During the qualifying period, any shortfall between the target return and the actual return will be topped up through the Top-Up Programme. That said, we will always set our target returns at rates we confidently believe are achievable based on the characteristics of the underlying asset portfolios.
What to expect from

Amounts above S$20k

It will take between 3-5 business days to start seeing your return
This is because your money gets invested in a portfolio of funds. It takes 1-2 days to confirm the trade, and another 3 or so business days for the transaction to complete. Don’t worry though - your money starts earning returns from trade confirmation though but takes a little longer to reflect in the app.

Note: Amounts below S$20k will see returns the very next day!
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Your daily returns may go up and down in the short term
📈 As markets fluctuates everyday, you may see positive, negative or no returns on a daily basis. Since we invest in short duration bonds, this fluctuation should be relatively low. Don’t worry about this movement, we expect to make the target 3.5% over time - so hang in there! Time in the market is more important than timing the market. Remember, we only make money after you make money.
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Withdrawals take 3 - 7 business days
Withdrawing amounts more than S$20k in any 1 given day will take anywhere from 3 - 7 business days to reach your account. This is because when you choose to withdraw a big amount, we place the order to sell the underlying funds. That order takes 1 to 2 business days to process depending on when you request it and another 3+ business days for the transaction to settle. The final amount you receive may differ from the amount withdrawn as you will be exposed to some market movement between the time you make the withdrawal and the time you get your funds. In other words, you still earn returns (positive/negative) between the withdrawal request date and the processing date, but not between the processing and settlement dates.

You can always choose to withdraw less than S$20k in a day if you need access to your money instantly.
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To bring you the best returns

We work with the best

Dimensional
Dimensional Fund Advisors
Dimensional Fund Advisors is one of the smartest fund managers in the market, applying academic rigour to practical investing within Global Bonds. They manage over $480 billion in assets.
Fullerton Fund Management Logo
Fullerton Fund Management
Fullerton is a Singapore-headquartered asset manager with capabilities in fixed income, equities, multi-asset and alternatives. It also manages the largest SGD cash fund in the market.
UOB Asset Management Logo
UOB Asset Management
UOB Asset Management has a proven track record of investing into Asian Short Duration Bonds, with an extensive Asian presence to match.
Visa Logo
Visa
As a trusted network, Visa facilitates digital payments across more than 200 countries and territories.

You asked, we answered

What is Chocolate Finance?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

Are you covered by the SDIC Singapore Deposit Insurance Corporation, for up to S$75,000?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

How does Chocolate Finance generate these great returns?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

Is Chocolate Finance legitimate and regulated by the MAS?

We use Citibank for safe custody for your funds and state-of-the-art technology to ensure your money is safe. And for further security, all transactions are secured with Singapass and 2 factor authentication.

As there are no fees, how does Chocolate finance make money?

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Is Chocolate Finance a good way to make money?

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What is the Chocolate Finance waitlist?

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Is Chocolate Finance a bank?

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Get exclusive early access

Join the waitlist
Have a friend who has already has an account? Ask them to refer you!
Download the app
Easy sign-up using Singpass
Top up and get started
Scan to download
See your daily returns on your savings in the Chocolate Finance app
3% p.a. return
On your first S$20,000.
Full-on security
Security is our top priority.