Chocolate Finance

Chocolate Finance is a new place for your spare cash where you can enjoy
- SGD: 3% p.a. return 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.
- USD: 4.3% return 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 hoops to jump through. We take no fees and make no money until we deliver the target return. See your returns in the app every, single, day.
What's more, from now until 30th September 2025, if we don't make the target returns for your first S$50k and your first US$50k, the difference will be topped up. Does it get any better than that?
Chocolate Finance is a brand of Chocfin Pte. Ltd. (UEN 202347190R). Chocfin Pte. Ltd. is licensed by the Monetary Authority of Singapore (CMS101452) to perform fund management activities.
Note: This app is currently only available for users with Singpass MyInfo. (I.e. Singapore residents or non-residents of Singapore with Singpass.)
What to expect:
It's completely free to open an account. Download the Chocolate Finance app to get started.
1. No hoops
We don’t expect you to jump through hoops to get the returns. There are no minimum or maximum balance requirements and no lock-in periods.
2. See your returns daily
in your app every, single, day.
3. No lock-ins
Take your money out whenever you like. Withdraw via FAST bank transfer - any amount, anytime you like. No charges or penalties.
4. Easy sign-up
Getting started is quick and easy. Sign up easily and securely with Singpass MyInfo in a few quick steps. Then, add money in.
5. No fees
We take zero fees until you achieve the target returns. We only make money once you’ve made money. So naturally, it’s our number one priority to make the returns we’ve targeted for you.
6. We walk the talk
From now until 30th September 2025, if we don't make the target returns for your first S$50k and your first US$50k, the difference will be topped up. Does it get any better than that?
7. Spend smarter with the Chocolate Visa Card
No FX fees. Earn 1 HeyMax Max Mile per S$1 on your first S$1,000 spent each month, and 0.4 Max Miles per S$1 after that — with no cap. Bill payments earn miles too (up to 100 miles/month).
+ Miles Multiplier — the higher your average monthly balance (SGD + USD), the more miles you earn on every dollar you spend.
8. Security is our top priority
We take several measures to keep your account safe and we’re licensed by the Monetary Authority of Singapore (CMS101452).
*Licences and disclosures:
Chocolate Finance is a brand of Chocfin Pte Ltd and is regulated by the Monetary Authority of Singapore. Chocolate’s returns are currently supported by a promotional Top-Up Programme', valid during the Qualifying Period and subject to terms and conditions and does not constitute a guarantee of return or capital. Past performance is not indicative of future results. All investments involve risk, including the risk of losing all of the invested amount and may not be suitable for everyone. This advertisement has not been reviewed by the Monetary Authority of Singapore.
For more information visit https://www.chocolatefinance.com. Privacy policy, terms, and conditions are available within the app.
Get in touch:
Contact our customer support team via WhatsApp in the app. Customer service is available Monday to Saturday, between 9 am and 8 pm. Alternatively, WhatsApp or call +65 9479 7979.