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Adding money to your Chocolate account is simple and convenient. You can transfer money from your bank directly to your Chocolate account. Alternatively, you can use the PayNow QR for ease.

From the homepage of your Chocolate Finance app, tap on 'Add Money', choose your preferred method, and follow the on-screen instructions to complete the transaction. Singapore FAST and PayNow transfers are typically instant. If your transfer isn't immediate, allow a few minutes for processing.

For easy and convenient future top-ups, consider linking your bank account to your Chocolate account.

Please make sure to transfer money from your own account, as we can only accept payments from accounts in your name.

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 30th September 2025, or until the assets under management for the Chocolate Managed Account reach S$1 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.

The short answer is the money you put into your Chocolate Finance account is not safe from capital losses. However, for the long answer, you need to understand these 3 things:

1. Investment strategy: Any money you put into your account (capital) is then invested into a portfolio of fixed-income funds designed to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency.

2. Market fluctuations and how we deal with them: Markets do go up and down and so will the portfolio value. For balances below S$50k, if the value of your portfolio is lower than your capital at any given point in time, the shortfall will be topped up (on both losses incurred on capital and target returns) so you earn the 3% p.a. returns on your first S$20k and 2.7% p.a. on your next S$30k. I.e: This means, while the Qualifying Period is live, your capital sum for balances below S$50k won't go down. Read more about the Top-Up Programme here or dive into the details for the Top-Up terms and conditions.

3. Segregated funds: All funds invested with Chocolate Finance are segregated and held separately by third-party licensed custodians. This means if anything happens to us – your money is still safe. Only the balancing item (i.e. any top-up that we may have provided) is not protected (and this is why we can't say your capital is guaranteed).

For balances above S$50k, the target return is 2.7% p.a., but the actual return may fluctuate due to market volatility. This means that the return on your balance above S$50k may be positive, neutral or may fall below 2.7% p.a. from time to time. Remember that we only make money if you make money, so we are very incentivised to achieve the 2.7% target. We advise that 2.7% p.a. is not guaranteed and there is a potential for capital losses. Past performance is not necessarily an indication of future performance.

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