add money via link
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Withdraw anytime
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.
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 October automatically start with US$0, so all USD added qualifies for the +1% p.a. October booster.
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. Returns start from the very next day. Your S$10 referral reward is credited to your Chocolate balance automatically — no manual claim needed.
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 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
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 — ~90% processed within 30 hours. 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. USD account now covers up to US$100k at tiered rates.
Open in minutes via Singpass MyInfo. Fund via PayNow QR, FAST, or eGIRO. Returns start from the very next day.