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 30 September 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 30 June 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.

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