Chocolate Finance 17+

Make life richer

Chocolate Pte. Ltd.

Designed for iPhone

    • Free

iPhone Screenshots


Chocolate Finance is a new place for your spare cash where you can enjoy 4.2% p.a. return on your first S$20k and a target 3.5% 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, if the portfolio doesn't make the target 4.2% p.a. for your first S$20k, the difference will be topped up so you enjoy the target return during the Qualifying Period.

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 31st December 2024, if we don't make the target 4.2% p.a. for your first S$20k, the difference will be topped up so you enjoy the target return. Does it get any better than that?

7. 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 (UEN 202347190R). Chocfin Pte Ltd is licensed by the Monetary Authority of Singapore to perform fund management activities. All investments involve risk. The 4.2% return is 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. Terms and conditions apply. All investments involve risk. Past performance is not indicative of future performance.

This advertisement was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Monetary Authority of Singapore.

For more information visit 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 Friday, between 9 am and 6 pm. Alternatively, WhatsApp or call +65 94797979.

What’s New

Version 0.0.78

• Performance enhancements and bug fixes.

Ratings and Reviews

4.9 out of 5
191 Ratings

191 Ratings

GreasedAgent ,

Better than leaving money in a traditional bank account

Simple product, but works exactly as intended with its promise of 4.5% per annum interest. Withdrawals of under 20K SGD from your Chocolate account into your external bank account is instant via FAST transfer as well.

Developer Response ,

Unlike traditional finance options, with Chocolate Finance, you can see your returns daily in the app. Withdraw anytime you like! Glad you are enjoying Chocolate!

fumo_fumo ,

Smooth and easy to use experience

Just signed up easy smooth and just topped up the max amount to enjoy current 4.2%
Looking forward to more features and usage

Developer Response ,

Lots more to come!! More smooth features and benefits! Happy money, happy you!

Nulgnim ,

Returns as promised and insanely quick transfers

Thus far, Chocolate has maintained the 4.5% promise.

The speed of transfers is also very impressive. In fact, it is just as quick as banks.

Overall very simple and intuitive app to use

Developer Response ,

Thank you Nulgnim for this! Speed is our middle name 😉 Enjoy using Chocolate!

App Privacy

The developer, Chocolate Pte. Ltd., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

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 on, for example, the features you use or your age. Learn More

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