Updated August 2026 · SG61 Birthday Booster Now Live
🎂 SG61 Booster: 3% p.a. effective on fresh SGD · 1 Aug – 30 Sep 2026

Daily returns.
S$10 free when
you add money.

Sign up via invite link and get S$10 credited. Earn 2% p.a. on your first S$20k from day one — plus unlock 3% p.a. with the SG61 Birthday Booster until 30 Sep 2026. No lock-in, withdraw anytime.

2% p.a. · first S$20k SGD
3% p.a. · SG61 Booster
Aug–Sep 2026
4.1% p.a. · first US$20k
Daily returns · visible
in-app every day

Your invite link

https://share.chocolate.app/nxW9/su3w13ht
Sign up now

No referral code needed · Invite link tracks everything · T&Cs apply

💰
S$10
Free when you
add money via link
🎂
3%
p.a. SG61 Booster
Aug–Sep 2026
🔓
$0
Fees · No lock-in
Withdraw anytime
🎂 August 2026 Exclusive

SG61 Birthday Booster:
+1% p.a. on fresh SGD

Celebrating Singapore's 61st birthday, Chocolate Finance is adding an extra 1% p.a. on top of the standard 2% rate — bringing your effective yield to 3% p.a. on up to S$20,000 of newly added SGD for 61 days.

📱 Opt in via app
💵 Min S$5,000 fresh funds
⏰ Hold until 30 Sep 2026
🆕 New users eligible
Promotion window
1 Aug –
30 Sep
2026
💡 New users: download the app → verify with Singpass → opt in to SG61 Booster → top up at least S$5,000 above your starting balance → maintain until 30 Sep 2026. The incremental value at the S$20k cap is approximately S$33 over 61 days — on top of your standard S$10 referral reward.
August 2026 overview

Everything at a glance

Save or share this infographic for a quick summary of the current Chocolate Finance offer, rates, and how to sign up.

Chocolate Finance Singapore referral guide August 2026 — S$10 referral reward, SG61 Birthday Booster 3% p.a. effective rate on fresh SGD, current SGD and USD return rates, how to sign up via invite link. Infographic by DLCuration.
Step by step

How to claim your S$10

Four steps. There is no referral code — you must sign up via the invite link for the S$10 to be credited. New users in August can also opt in to the SG61 Birthday Booster for an extra 1% p.a.

1
Click the invite link and download the app

Tap the sign-up button or link on this page. You'll be directed to download Chocolate Finance from the App Store (iOS) or Google Play (Android). You must use this link — there is no referral code to enter manually.

Open invite link →
⚠️ If you download the app directly from the store without this invite link, your S$10 will not be tracked. The link must be used at sign-up.
2
Sign up and verify via Singpass MyInfo

Create your Chocolate Finance account in the app. Identity verification uses Singpass MyInfo — fast, typically done in minutes. You must be a Singapore resident eligible to invest.

ℹ️ SGD and USD accounts are both available and opened in the same app. Singpass MyInfo is mandatory for Singapore users.
3
Add money — S$10 is credited automatically

Fund your Chocolate account via FAST transfer, PayNow QR, or eGIRO. Returns start from the very next day. Your S$10 referral reward is credited to your Chocolate balance automatically — no manual claim needed.

✅ You'll get a notification when your S$10 is credited. Track referrals and returns under 'More with Chocolate' on the app homepage.
4
Opt in to the SG61 Booster (Aug–Sep 2026 only)

To earn 3% p.a. effective: after account setup, opt in to the SG61 Birthday Booster in the app. Top up at least S$5,000 in fresh funds above your starting balance and maintain it until 30 September 2026. Applies to up to S$20,000 of new SGD for 61 days.

💡 Your "starting balance" is locked at the time you opt in — top up after opting in, not before, to maximise the qualifying fresh funds amount.
Current rates · August 2026

What you earn, every day

Returns are calculated daily on your balance and visible in the app. No lock-ins, no complex tier criteria. SGD rates updated to reflect the current Top-Up Programme terms.

Singapore Dollar (SGD)
SGD Account
First S$20,000 2.00%
Next S$80,000 1.80%
Above S$100,000 1.80%
🎂 SG61 Booster (first S$20k fresh) 3.00%

SG61 Booster: +1% p.a. on up to S$20k fresh SGD · 1 Aug–30 Sep 2026 · opt-in + min S$5k top-up required

US Dollar (USD)
USD Account
First US$20,000 4.10%
Next US$80,000 3.80%
Above US$100,000 3.80%
⚠️ Returns are supported by the Chocolate Top-Up Programme. Rates are not guaranteed and subject to change. This is an investment product — capital is not guaranteed. Not covered by SDIC.
What you get

Why Chocolate Finance
is worth it

More than just returns — a complete suite for your idle cash, with zero fees and daily visibility.

📊
See returns every single day

Returns are calculated daily and displayed in the app — no waiting for month-end statements.

🔓
No lock-in, withdraw anytime

No penalties for withdrawing. Withdrawals take up to 3 business days — ~90% processed within 30 hours. Instant withdrawals not currently available in Singapore.

💳
Chocolate Visa Card

Zero FX fees on overseas spend. Earn HeyMax miles on everyday spend including bill payments. Miles Multiplier: higher balances earn more per dollar.

🏦
Funds held by global custodians

Money held by HSBC, State Street, BNP Paribas, and Citibank — ringfenced from Chocolate's operations. MAS-licensed (CMS101452) fund manager.

💵
SGD and USD accounts

Earn competitive returns in both SGD and USD in one app. USD account now covers up to US$100k at tiered rates.

⚡
Fast, simple onboarding

Open in minutes via Singpass MyInfo. Fund via PayNow QR, FAST, or eGIRO. Returns start from the very next day.

✦ DLCuration
⭐ Exclusive Bonus

Win up to S$50
just for signing up

Fully funded by DLCuration — completely separate from Chocolate Finance's programme. Send one email after your top-up and you're in.

🗓️ Every Month 🎁
Monthly Lucky Draw
S$5

One winner drawn from verified monthly entrants. Draw closes 23:59 last day of each calendar month.

🏆 Annual Grand Draw 🎊
Annual Grand Prize
S$50

All monthly entrants auto-enrolled. Grand draw concludes 31 December at 23:59 SGT.

Winner's choice of reward

🛒 Amazon Gift Card
🛍️ NTUC FairPrice
🏪 Sheng Siong
🏬 CapitaLand Mall

📬 How to enter

1
Sign up for Chocolate Finance using the invite link on this page and complete identity verification.
2
Add money to your Chocolate account and make your first top-up.
3
Send an email to dlcuration@gmail.com with the exact subject line below — include your sign-up name and first top-up date.
4
We verify your entry. You're in for the monthly draw and automatically enrolled in the annual grand draw. Winners contacted within 7 days.

Campaign T&Cs

  • This bonus campaign is funded entirely by DLCuration and is not affiliated with, endorsed by, or administered by Chocolate Finance or Chocfin Pte Ltd.
  • Monthly draw period: 00:00 on the 1st to 23:59 on the last day of each calendar month (SGT).
  • Annual grand draw closes at 23:59 on 31 December each year (SGT).
  • Eligibility requires verified sign-up via the DLCuration invite link and confirmed first top-up, verifiable via Chocolate Finance's referral records.
  • One entry per person. Monthly prize and annual grand draw are independent — winning one does not exclude from the other.
  • Winners contacted by email within 7 days of draw date. Must respond within 14 days or prize is forfeited.
  • DLCuration reserves the right to modify or terminate this campaign at any time. Changes posted on this page.
FAQ

Common questions

Based on official Chocolate Finance documentation and app FAQ, updated August 2026.

You receive S$10 credited to your Chocolate Finance account once you sign up using the referral link and add money to your account. Returns start the next day: 2% p.a. on your first S$20k and 1.8% p.a. on the next S$80k, calculated daily. No minimum top-up is required to trigger the S$10 reward.
The SG61 Birthday Booster is a Chocolate Finance promotion for August–September 2026. It adds +1% p.a. on top of the standard 2% p.a., giving an effective 3% p.a. on up to S$20,000 of fresh SGD for 61 days. To qualify: opt in through the app between 1 August and 30 September 2026, top up at least S$5,000 in fresh funds above your balance at opt-in, and maintain it until 30 September 2026. New users who sign up during this period are also eligible.
Click the invite link on this page. Download Chocolate Finance from the App Store or Google Play. Sign up and verify your identity using Singpass MyInfo (required). Once verified, add money to your account via FAST transfer, PayNow QR, or eGIRO. The S$10 reward is credited automatically once your first top-up is confirmed. There is no code to enter — the invite link tracks everything.
As of August 2026: SGD returns of 2% p.a. on your first S$20,000 and 1.8% p.a. on the next S$80,000. USD returns: 4.1% p.a. on your first US$20,000 and 3.8% p.a. on the next US$80,000. During August–September 2026, the SG61 Birthday Booster adds +1% p.a. on fresh SGD (up to S$20k) for qualifying users, for an effective 3% p.a. Returns are supported by the Top-Up Programme and are not guaranteed.
Yes, you can request a withdrawal anytime with no penalties and no lock-in. Withdrawals take up to 3 business days to reach your bank account, with approximately 90% processed within 30 hours. Note: instant withdrawals are no longer available in Singapore following their suspension in March 2025, and are unlikely to return per MAS guidance.
Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R), licensed and regulated by MAS (CMS101452) for fund management. Your funds are held separately by custodians including HSBC, State Street, BNP Paribas, and Citibank — ringfenced from Chocolate's operations. However, Chocolate Finance is NOT a bank and is NOT covered by SDIC. Returns are not guaranteed. This is an investment product — capital is at risk.
The DLCuration bonus campaign is a separate, independently funded initiative — not affiliated with Chocolate Finance. After signing up via the invite link and making your first top-up, email dlcuration@gmail.com with your name and first top-up date to enter. Monthly winners receive up to S$5 in Amazon Gift Card, NTUC FairPrice, Sheng Siong, or CapitaLand Mall vouchers. All entrants are automatically enrolled in the annual grand draw for up to S$50.
Yes. The Chocolate Visa Card offers zero foreign exchange fees on overseas spend. It earns 1 HeyMax mile per S$1 on your first S$1,000 per month and 0.4 miles per dollar thereafter for most users. The Miles Multiplier system rewards higher average balances with better earn rates. Apply within the app after account setup.
Risk disclosure: Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R), licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. Chocolate Finance is not a bank and is not covered by SDIC. Your funds are invested in short-duration fixed income funds and returns are subject to market conditions. The SG61 Birthday Booster and the Chocolate Top-Up Programme are promotional incentives and do not constitute a guarantee of return or capital. This advertisement has not been reviewed by the Monetary Authority of Singapore. This is not financial advice.

Make your money happy.
Start earning daily.

Click the invite link, sign up, add money. Your S$10 lands automatically — and returns start the very next day. Opt in to the SG61 Booster before 30 Sep 2026 for 3% p.a.

share.chocolate.app/nxW9/su3w13ht


Sign up for Chocolate Finance

Invite link only · No code required · Returns not guaranteed · Capital at risk · T&Cs apply

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