From 1st November 2024, our returns will be updated to reflect market shifts. Show more
Enjoy 3.6% p.a. on your first S$20k, 3.2% p.a. on your next S$30k, and a target 3.2% p.a. for balances above S$50k. Plus extended Top-Up Programme support for the first S$50k!
A photo of a man smiling due to Chocolate Finance making higher returns on his savings account.

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.
No Description Required
What we do

We make your money work harder for you.

Start seeing returns in less than 24 hours, on your first S$20k.
The moment you put money into your Chocolate Finance account, you’ll see your 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.
See 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?

Download the app
Scan to download
Or get a download link via SMS instead
Please enter your phone number
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

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 31st 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.

What are the risks?

There are no guarantees in life. So, although you currently enjoy a 4.2% 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. Scroll to read more about what to expect from amounts above S$20k and whether your money in Chocolate Finance Account is safe from capital losses.
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 but takes a little longer to reflect in the app.

Note: Amounts below S$20k will see returns the very next day!
Show more
Show less
Your daily returns may go up and down in the short term
📈 As markets fluctuate 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% p.a. 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.
Show more
Show less
Withdrawals take 3 - 10 business days
Withdrawing amounts more than S$20k in any 1 given day will take anywhere from 3 - 10 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.
Show more
Show less
To bring you the best returns

We work with the best

Dimensional Logo
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.
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.
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.
Visa Logo
Lion Global Investors
Lion Global Investors is one of Singapore’s leading asset management companies, providing tailored investment solutions. They manage over S$69.2 billion in assets.
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?

This is some text inside a div block.

Is Chocolate Finance a good way to make money?

This is some text inside a div block.

What is the Chocolate Finance waitlist?

This is some text inside a div block.

Is Chocolate Finance a bank?

This is some text inside a div block.

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up
Verify your identity using Singpass
Top up to enjoy happy returns
Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
4.2% return
On your first S$20,000.
Full-on security
Security is our top priority.
The link to download the app is on its way to you.
Check your SMS inbox and sign up now!