Chocolate Finance

Name: Chocolate Finance
Rating: 4.6 (1167 reviews)
Author: Chocolate Pte. Ltd.

Make life richer

Only for iPhone

Free

1.2K Ratings
Ages

4+
In-App Controls
Category

Finance
Developer

Chocolate Pte. Ltd.
Language

EN
English
Size

202.2
MB

iPhone

Chocolate Finance is a new place for your spare cash where you can enjoy - SGD: 2.5% p.a. return on your first S$20k, 2.2% p.a. on your next S$30k and up to 2.2% p.a. on any amount thereafter. - USD: 4.3% return on your first US$20k, 4% p.a. On your next US$30k and up to 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 returns. See your returns in the app every, single, day. What's more, from now until 31st December 2025, if we don't make the 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 returns we’re working towards. 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 31st December 2025, if we don't make the 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.

Ratings & Reviews

4.6

out of 5

1.2K Ratings

Chocolate finance transparency
31 Mar

Labenzo
Due to 2 finfluencers providing inaccurate reviews, I withdrew 60% of my funds. Although, there was a delay, I did receive my money back.This was a move I regretted because after the ceo spoke about this saga and clarified how our money is managed, I am now certain I should have kept my money with cf.500m withdrawal and reduced from net aum due to this saga is no joke. But the ability to survive just shows how poorly our judgement has been clouded by these two finfluencer. I will start placing my money back to cf.

Developer Response
Thanks so much for sharing this, Labenzo. We really appreciate your honesty—and your trust.The March saga was tough for everyone, and we completely understand why people felt uncertain. We're grateful you gave us the chance to clarify things and are heartened to hear that transparency helped restore your confidence. It's customers like you who keep us focused on building something strong, steady, and worthy of your trust.We’re here for the long haul, and we’re glad to have you with us.
Chocolate finance transparency
31 Mar

Labenzo

Due to 2 finfluencers providing inaccurate reviews, I withdrew 60% of my funds. Although, there was a delay, I did receive my money back.This was a move I regretted because after the ceo spoke about this saga and clarified how our money is managed, I am now certain I should have kept my money with cf.500m withdrawal and reduced from net aum due to this saga is no joke. But the ability to survive just shows how poorly our judgement has been clouded by these two finfluencer. I will start placing my money back to cf.
Developer Response 24 Apr
Thanks so much for sharing this, Labenzo. We really appreciate your honesty—and your trust.The March saga was tough for everyone, and we completely understand why people felt uncertain. We're grateful you gave us the chance to clarify things and are heartened to hear that transparency helped restore your confidence. It's customers like you who keep us focused on building something strong, steady, and worthy of your trust.We’re here for the long haul, and we’re glad to have you with us.
A 0 wouldve been more reasonable despite the easy use.
05/12/2024

KylianFred
Ive been a “user” of chocolate finance & although the app have been a good source of “vault” for me, i cant help but to ask why is every single transaction made in & out the account we created have to be sent A LETTER PER TRANSACTION. Just last month itself, i received over 40+ letters for for all 40+ transactions i made. I tried calling DBS & they literally have no clue either or how to stop this. I tried high & low searching for the option to opt out the physical letters & be sent an e statement instead but to no avail!Even if an e statement were to come into effect, id really honestly wld prefer a monthly e statement rather than being sent 1 email per transaction i make. Ridiculous. The amount of paper being used is insane. Literally a transaction of less than a dollar will be sent to me seperated from a another transaction about what the same amount. This have to be rectified. Not only it is wasting papers & killing the trees, imagine the reaction i got from my family members thinking i got some kind of debt! Very unfortunate heated misunderstanding argument i had with my family. Please get back!

Developer Response
We are sorry to hear this! The letters do come from DBS not us. We are trying to stop these! You can always withdraw to another bank and then you will no longer receive any more letters.
A 0 wouldve been more reasonable despite the easy use.
05/12/2024

KylianFred

Ive been a “user” of chocolate finance & although the app have been a good source of “vault” for me, i cant help but to ask why is every single transaction made in & out the account we created have to be sent A LETTER PER TRANSACTION. Just last month itself, i received over 40+ letters for for all 40+ transactions i made. I tried calling DBS & they literally have no clue either or how to stop this. I tried high & low searching for the option to opt out the physical letters & be sent an e statement instead but to no avail!Even if an e statement were to come into effect, id really honestly wld prefer a monthly e statement rather than being sent 1 email per transaction i make. Ridiculous. The amount of paper being used is insane. Literally a transaction of less than a dollar will be sent to me seperated from a another transaction about what the same amount. This have to be rectified. Not only it is wasting papers & killing the trees, imagine the reaction i got from my family members thinking i got some kind of debt! Very unfortunate heated misunderstanding argument i had with my family. Please get back!
Developer Response 11/12/2024
We are sorry to hear this! The letters do come from DBS not us. We are trying to stop these! You can always withdraw to another bank and then you will no longer receive any more letters.
Awesome app but minor bug to fix required
01/10/2024

Ahbengkoh
Hi there,This is with reference to the review posted by me on 14th Sept. I am able to login successfully after connecting to Wi-Fi. However, if i am on a local data network, i am not able to sign in. Not a big issue for me now, but perhaps your support team can look into it :)Cheers!

Developer Response
Thank you! We will investigate this ! Thanks for taking the time to leave us 5 stars!
Awesome app but minor bug to fix required
01/10/2024

Ahbengkoh

Hi there,This is with reference to the review posted by me on 14th Sept. I am able to login successfully after connecting to Wi-Fi. However, if i am on a local data network, i am not able to sign in. Not a big issue for me now, but perhaps your support team can look into it :)Cheers!
Developer Response 09/10/2024
Thank you! We will investigate this ! Thanks for taking the time to leave us 5 stars!
Dishonest Company That Holds Your Funds for 7 Days
18 Jun

wes___
This company has time and time again been less than upfront to its customers. They first advertised the partnership with heymax as a card value proposition. After gaining traction, the CEO decided to stealthily remove certain benefits and blaming on AXS. After getting caught, he then went to MSM and blamed customers for using the exact benefits he advertised.Despite that saga and removal of instant withdrawals, I was still a loyal customer and advocate for CF. However, I think the company has gone too far and is slowly becoming unsavoury.I withdrew my funds on Sunday and today (Wed) is the day that they should arrive according to CF “up to 3 working days”. Only at 11pm+ on Wednesday (1hour before funds should come), I got an email that my withdrawal was delayed for another 5 days. This means from the up to 3 working days I was promised, my funds were delayed and will take 8 days to come.Wouldn’t recommend anyone to put in money in CF or at least, keep the bare minimum

Developer Response
We are sorry to hear this. Withdrawals do typically take up to 3 business days. 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.
Dishonest Company That Holds Your Funds for 7 Days
18 Jun

wes___

This company has time and time again been less than upfront to its customers. They first advertised the partnership with heymax as a card value proposition. After gaining traction, the CEO decided to stealthily remove certain benefits and blaming on AXS. After getting caught, he then went to MSM and blamed customers for using the exact benefits he advertised.Despite that saga and removal of instant withdrawals, I was still a loyal customer and advocate for CF. However, I think the company has gone too far and is slowly becoming unsavoury.I withdrew my funds on Sunday and today (Wed) is the day that they should arrive according to CF “up to 3 working days”. Only at 11pm+ on Wednesday (1hour before funds should come), I got an email that my withdrawal was delayed for another 5 days. This means from the up to 3 working days I was promised, my funds were delayed and will take 8 days to come.Wouldn’t recommend anyone to put in money in CF or at least, keep the bare minimum
Developer Response 23 Jun
We are sorry to hear this. Withdrawals do typically take up to 3 business days. 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.

Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today!

Version 0.0.174

1 day ago

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:
- Usage Data
Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
- Other Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Location
- Contacts
- Diagnostics

Privacy practices may vary based, for example, on the features you use or your age. Learn More

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Chocolate Finance

Make life richer

Ratings & Reviews

What’s New

Version 0.0.174

App Privacy

Data Used to Track You

Data Linked to You

Data Not Linked to You

Accessibility

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