after 30 days
no opt-in needed
Withdraw anytime
How to claim your S$15
Five steps. There is no referral code — you must sign up via the invite link for the S$15 to be tracked. The reward is paid into your Chocolate SGD account once you have kept S$1,000 for 30 continuous days.
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 →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.
Fund your Chocolate account via FAST transfer, PayNow QR, or eGIRO. The S$1,000 can be one deposit or several top-ups added together. Returns start from the very next day.
Maintain a cumulative balance of at least S$1,000 for 30 days in a row. Once the 30 days are up, you receive S$15 in your Chocolate SGD account.
In October 2026, any USD you add above your starting balance automatically earns an extra 1% p.a. — no opt-in required. As a new user, your starting balance is US$0, so all USD you add earns the bonus. Convert SGD→USD in the app, or transfer USD directly. Promotional returns are credited within 7–10 business days after 31 October.
What you get
A S$15 sign-up reward, plus daily returns from the day after your first top-up.
Credited to your Chocolate SGD account after you top up at least S$1,000 and keep it for 30 continuous days.
1–31 Oct 2026: an extra 1% p.a. on new USD you add, up to 5.3% p.a. effective on your first US$20k. No opt-in needed.
What you earn, every day
Returns are calculated daily on your balance and visible in the app. No lock-ins, no complex tier criteria. Rates reflect current Top-Up Programme terms as of October 2026.
Oct Booster: +1% p.a. on new USD above starting balance · 1–31 Oct 2026 · no opt-in needed · new users start at US$0
Who qualifies for the S$15
The reward depends on using the invite link and meeting the top-up and balance conditions.
Why Chocolate Finance
is worth it
More than just returns — a complete suite for your idle cash, with zero fees and daily visibility.
Returns are calculated daily and displayed in the app — no waiting for month-end statements.
No penalties for withdrawing. Withdrawals take up to 3 business days. Instant withdrawals not currently available in Singapore.
Zero FX fees on overseas spend. Earn HeyMax miles on everyday spend including bill payments. Miles Multiplier: higher balances earn more per dollar.
Money held by HSBC, State Street, BNP Paribas, and Citibank — ringfenced from Chocolate's operations. MAS-licensed (CMS101452) fund manager.
Earn competitive returns in both SGD and USD in one app, with tiered rates on each currency.
Open in minutes via Singpass MyInfo. Fund via PayNow QR, FAST, or eGIRO. Returns start from the very next day.