---
title: "Chocolate Finance - Reviews, Revenue and Downloads in Singapore | Apple App Store"
description: "Chocolate Finance  Happy money, happy you. Say hello to a new place for your spare cash. Enjoy happy returns, daily - with no lock-ins, no fees, and no hoops or complex criteria.  See your returns in "
---

# Chocolate Finance — Singapore
> Make life richer

![Chocolate Finance App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/18/75/c6/1875c69d-9bf7-d364-7d1c-9d91c4ecd861/AppIcon-0-0-1x_U007emarketing-0-7-0-85-220.png/434x0w.png)

**Developer:** [Chocolate Pte](https://apptail.io/developer/chocolate-pte-TsFb)
**Category:** Finance
**Rating:** 4.7/5 (1,607 ratings)
**Price:** Free
**Bundle ID:** com.chocolatefinance.app
**Store:** Apple App Store
**Country:** Singapore
**Version:** 0.0.297 (released 2026-09-22)
**Original Release:** 2024-08-22
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/sg/app/app/id1614234026)
**AppTail Page:** [https://apptail.io/app/chocolate-finance-Junm/singapore](https://apptail.io/app/chocolate-finance-Junm/singapore)

## Chocolate Finance Description
Chocolate Finance

Happy money, happy you. Say hello to a new place for your spare cash.
Enjoy happy returns, daily - with no lock-ins, no fees, and no hoops or complex criteria.

See your returns in the app every single day.

Available in Singapore and Hong Kong.

Singapore
Earn daily returns on your SGD and USD

SGD
- 2% p.a. on your first S$20k
- 1.8% p.a. on your next S$80k
- Up to 1.8% p.a. thereafter

USD
- 4.1% p.a. on your first US$20k
- 3.8% p.a. on your next US$80k
- Up to 3.8% p.a. thereafter

From now until 31 December 2026, if we don’t achieve the above returns on your first S$100k and US$100k, we’ll make up the difference - does it get any better than that?

Verification via Singpass MyInfo is required.

Hong Kong
Earn daily returns on your HKD
- 3.8% p.a. on your first HK$100k
- 3.5% p.a. on your next HK$200k
- Any amount above HK$300k, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards.

Withdraw anytime:
- Up to HK$50k per day: instant
- Above HK$50k per day: usually 3 business days

From now until 31 December 2026, if we don’t achieve the above returns on your first HK$300k, we’ll make up the difference - are you smiling yet? 

Verification via iAM Smart or HKID is required.

What to expect - happy money!

No lock-ins
Withdraw when you need it - no penalties.

See returns daily
See your returns roll in like clockwork in the app, every single day.

No fees
We only make money when you make money. So naturally it's our number 1 priority. 

Easy sign up and user experience 
Secure digital verification and a simple onboarding flow

Spend smarter with the Chocolate Visa Card (Singapore only)
- Enjoy zero FX fees on all overseas spend.
- Earn Max Miles on everyday spend, including bill payments
- Miles Multiplier: higher average balances earn more miles per dollar spent

Security and trust 

Security is our top priority. We’re licensed and regulated by:
- The Monetary Authority of Singapore (CMS101452)
- The Securities and Futures Commission of Hong Kong (BSF252)

Get in touch

Singapore: WhatsApp in-app or +65 9479 7979 (Mon–Sat, 9am–8pm)
Hong Kong: WhatsApp in-app or +852 9298 0464 (Mon–Fri, 9am–6pm)

Licences and disclosures

Chocolate Finance returns are currently supported by a promotional Chocolate Advantage Programme, valid during the qualifying period and subject to terms and conditions. This 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 loss.

Singapore: Chocolate Finance is a brand of Chocfin Pte Ltd and is regulated by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore.

Hong Kong: Chocolate Finance is a brand of Chocolate Finance HK Limited and is regulated by the Securities and Futures Commission. This advertisement has not been reviewed by the Securities and Futures Commission.

For more information, visit chocolatefinance.com. Privacy policy, terms and conditions are available in the app.

## Chocolate Finance Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/be/c7/14/bec71448-b9af-7618-8d39-537dca65bfb7/6.5-1.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f0/50/85/f0508591-4f90-c454-41b5-cfcae8fd21bc/6.5-2.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/10/c2/b5/10c2b5b5-b66f-8b67-b707-6c6e5f61051d/6.5-3.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/98/ab/2a/98ab2ac5-800d-be1d-74b9-92e94d8a0713/6.5-4.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/d0/83/78/d0837864-9fed-e245-29c3-9765890cf5da/6.5-5.png/1284x2778.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/aa/4b/91/aa4b9131-c180-430d-1aac-1098b8062e91/6.5-6.png/1284x2778.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/05/bd/da/05bdda72-5db9-abcb-821c-b610d87f0eec/6.5-7.png/1284x2778.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1c/76/7d/1c767d31-21d6-f0f4-9432-121e1d754f97/6.5-8.png/1284x2778.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/00/e8/f1/00e8f1c3-d2f8-5d89-0700-ed936906f9d0/6.5-9.png/1284x2778.png)

## Chocolate Finance Rating Breakdown in Singapore
- 5 stars: 1,429 (89%)
- 4 stars: 37 (2%)
- 3 stars: 18 (1%)
- 2 stars: 7 (0%)
- 1 stars: 116 (7%)

## Chocolate Finance Reviews in Singapore

### ***** "Simple & good interest rate"
New and read lots of good review online. Will continue to monitor the outcomes.
-- Benyue77, 2024-12-30

### ***** "Good interest rate"
Highest rate on the market now
-- andylovesgreens, 2024-12-30

### ***** "Good"
Nice
-- Vi7998, 2024-12-27

### **--- "Reload page"
I have downloaded the app three times now. It worked for once or twice and next time i open the app. It ask to reload page. I cant see my account. Only error page. So i deleted the app and downloaded again with same problem. Using iphone. Please help.
-- Khiem75, 2024-12-26

### ***** "My life is richer!"
Delivers on its promises. Well done
-- faye111177, 2024-12-26

### ***** "Unable to enter the app"
There’s an error whenever I try to enter the app
-- Haiuuokie, 2024-12-24

### ***** "Great Return Bank"
Its a great return bank for untouch savings! 💪
-- MimiSanchez369, 2024-12-24

### ***** "great finance app!!"
amazing and easy to use
-- nztasj, 2024-12-21

### ***** "Good"
Reliable
-- Lancerdan, 2024-12-21

### **--- "App not loading"
Hi, I have been trying to open the app since ytd but it kept failing and requested to “Reload Page”. I have done it and still failed. Also checked it umpteen times and it’s getting frustrating. Check on App Store to see if I need to update the app but noted that I don’t have to. Can you fix it?
-- CCKW07, 2024-12-18

[View all Chocolate Finance reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Chocolate Finance Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Singapore | Finance | #102 |


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## Chocolate Finance Available In
- [Singapore](https://apptail.io/app/chocolate-finance-Junm/singapore)
- [Hong Kong SAR China](https://apptail.io/app/chocolate-finance-Junm/hong-kong)
- [Malaysia](https://apptail.io/app/chocolate-finance-Junm/malaysia)
- [India](https://apptail.io/app/chocolate-finance-Junm/india)
- [United Kingdom](https://apptail.io/app/chocolate-finance-Junm/united-kingdom)
- [New Zealand](https://apptail.io/app/chocolate-finance-Junm/new-zealand)
- [South Korea](https://apptail.io/app/chocolate-finance-Junm/south-korea)
- [Australia](https://apptail.io/app/chocolate-finance-Junm/australia)

---

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