Chocolate Finance: Save & Earn

Real returns, real happiness.
Happy money, now in the UAE. Chocolate Finance is a new place for your spare cash. Enjoy 4.6% p.a. on your first AED 100k and US$25k, and up to 4.6% p.a. on any amount above that. No lock-ins, no hoops and no hidden fees.
Real returns
• The rate you see is the return you get, no hidden fees.
• Your returns land in the app every day, weekends and holidays included
• Your money starts working the day you add it, and your first returns show the next day
• Returns are added to your balance automatically, so your returns earn returns too
• Same rate for everyone. No salary transfer, no tiers, nothing to qualify for
Always yours
• Withdraw any time, with no lock-ins
• Start with any amount. No minimum, no maximum
• Hold AED, US$ or both, and switch between them in the app
• No hidden fees and no monthly subscription fees
Built for you
Sign up in minutes, in English or Arabic. Chocolate Finance is for everyone with spare cash, whether you live in the UAE or not. Then sit back and watch your returns land a little every day.
Share the happiness
Earn AED 50 for every friend who signs up and adds money.
How it works
When you add money, it goes into the Chocolate Global Income Fund, a conservative, globally diversified mix of short-dated, investment-grade bonds. There's nothing for you to manage, and you can see your returns in the app whenever you like.
Security is our top priority
• Licensed and regulated by the Capital Market Authority
• Your funds are held in a segregated custody account with a licensed financial institution
• The fund is independently audited
• Two-factor authentication, encryption and sign-in with your face or fingerprint
Questions? Message us on WhatsApp in the app or email support.ae@chocolatefinance.com.
Capital at risk. Past performance is not indicative of future results. T&Cs apply.
In the United Arab Emirates, Chocolate Finance is operated by Chocolate Finance for Managing Investments of Investment Funds - L.L.C - S.P.C, licensed and regulated by the Capital Market Authority: Category Two: Dealing in Investment, for the activity of Investment Fund Management, under licence number 20200000382, and Category Five: Arrangement and Advice, for the activities of Financial Consultations, Introduction, and Promotion, under licence number 20200000381. Commercial registration number CN-5711927. Registered Address: Al Ma’Mourah, Khalifa Industrial Zone, Area 8, Abu Dhabi, United Arab Emirates. Views expressed are opinions of Chocolate Finance, subject to change without notice, and do not constitute a forecast, guarantee, investment advice, or a recommendation to buy or sell units in any fund. Statistics from third-party sources are believed reliable but are not guaranteed. All investments involve risk, including possible loss of the full amount invested, and may not be suitable for everyone. Past performance is not indicative of future results. Before subscribing, read the Prospectus and consider whether the product is right for you.
App terms and conditions: https://www.chocolatefinance.com/ae-en/app-terms-and-conditions
Privacy policy: https://www.chocolatefinance.com/ae-en/privacy