Chocolate Finance · Happy money, daily returns

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

Sign up via invite link and get S$10 credited to your Chocolate account. Start earning 2% p.a. on your first S$20k from the very next day — no lock-in, withdraw anytime.

2% p.a. · first S$20k
1.8% p.a. · next S$30k
Daily returns · visible
in-app every day

Your invite link

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

No referral code needed — the invite link does everything · T&Cs apply

💰
S$10
Free when you
add money via link
📈
2%
p.a. on first S$20k
seen daily in-app
🔓
$0
Fees · No lock-in
Withdraw anytime
Step by step

How to claim your S$10

Three steps. There is no referral code — you must sign up via the invite link for the S$10 to be credited.

1
Click the invite link and download the app

Tap the sign-up button or link above. You'll be directed to download the Chocolate Finance app 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 Chocolate Finance app directly from the App Store or Google Play without using this invite link, your S$10 reward will not be tracked and you will not receive it.
2
Sign up and verify your identity via Singpass MyInfo

Create your Chocolate Finance account in the app. Identity verification is required using Singpass MyInfo — this is fast and typically completed in minutes. You must be a Singapore resident eligible to invest.

ℹ️ Chocolate Finance supports both SGD and USD accounts. You can open both in the same app. Singpass MyInfo verification is mandatory for Singapore users.
3
Add money — your S$10 is credited automatically

Fund your Chocolate account via FAST transfer, PayNow QR, or eGIRO from any Singapore bank. Once your funds land, you start earning returns from the very next day. Your S$10 referral reward is credited to your Chocolate balance automatically — no manual claim needed.

✅ You'll receive a notification when your S$10 is credited. Track your referrals and returns under the 'More with Chocolate' section in the app homepage.
💡 Chocolate Finance also offers a Visa debit card with zero FX fees and a Miles Multiplier for everyday spend. Apply for it within the app after your account is set up.
Current rates

What you earn, every day

Returns are calculated daily on your balance and visible in the app every single day. No lock-ins, no hoops, no complex tier criteria.

Singapore Dollar (SGD)
SGD Account
First S$20,000 2.00%
Next S$30,000 1.80%
Above S$50,000 1.80%
US Dollar (USD)
USD Account
First US$20,000 4.10%
Next US$30,000 3.80%
Above US$50,000 3.80%
⚠️ Returns are supported by the Chocolate Top-Up Programme, which runs until 30 June 2026 or until S$1.5 billion AUM is reached, whichever is first. Rates are not guaranteed and subject to change without notice. This is an investment product — capital is not guaranteed.
What you get

Why Chocolate Finance
is worth it

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

📊
See returns every single day

Watch your money grow in real time. Returns are calculated daily and displayed in the app — no waiting for month-end statements.

🔓
No lock-in, withdraw anytime

There are no penalties for withdrawing. Withdrawals take up to 3 business days — 88% are processed within 24 hours. Note: instant withdrawals are not currently available.

💳
Chocolate Visa Card

Zero FX fees on overseas spend. Miles Multiplier earns more miles per dollar the more you keep invested. No annual fee.

🏦
Funds held by global custodians

Your money is held by HSBC, State Street, BNP Paribas, and Citibank as custodians — ringfenced from Chocolate's operations. MAS-licensed fund manager.

💵
SGD and USD accounts

Earn competitive returns in both SGD and USD. USD account offers up to 4.1% p.a. on your first US$20k. Both accounts in one app.

⚡
Fast, simple onboarding

Open an account in minutes via Singpass MyInfo. Fund via PayNow QR, FAST, or eGIRO. Start earning returns 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 your identity verification.
2
Add money to your Chocolate account and make your first top-up.
3
Send an email to dlcuration@gmail.com using the exact subject line format below — include the name used for sign-up and the date of your first top-up.
4
We verify your entry against Chocolate Finance's referral records. You're in for the monthly draw and automatically enrolled in the annual grand draw. Winners contacted within 7 days of draw date.

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. Winning a monthly draw does not remove you from the annual grand draw — both prizes are independent.
  • Winners contacted by email within 7 days of draw date. Must respond within 14 days or prize is forfeited.
  • E-vouchers and gift cards delivered electronically to winner's email address.
  • DLCuration reserves the right to modify or terminate this campaign at any time. Any changes posted on this page.
FAQ

Common questions

Based on official Chocolate Finance documentation and the app FAQ, current as of June 2026.

You receive S$10 credited to your Chocolate Finance account once you successfully sign up using the referral link and add money to your account. You also immediately start earning 2% p.a. on your first S$20k and 1.8% p.a. on the next S$30k, with returns calculated daily. No minimum top-up amount is required to trigger the S$10 referral reward.
Click the invite link on this page. Download the Chocolate Finance app 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.
No specific minimum top-up amount is stated for the S$10 referral reward. You simply need to sign up via the referral link and add any amount of money to your Chocolate account. The reward is released once the top-up is confirmed.
Current SGD returns: 2% p.a. on your first S$20k and 1.8% p.a. on the next S$30k. USD returns: 4.1% p.a. on your first US$20k and 3.8% p.a. on the next US$30k. Returns are calculated daily and visible in the app. The Top-Up Programme supports these rates until 30 June 2026 or until S$1.5 billion AUM is reached. Returns 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, though 88% are processed within 24 hours. Note: instant withdrawals are no longer available in Singapore following the suspension in March 2025, and are unlikely to return based on 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, not a fixed deposit. 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 date of first top-up 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 and a Miles Multiplier system where higher average balances earn more miles per dollar spent. The card can be applied for within the app after account setup. Note: Chocolate Finance has adjusted its miles earning rates — the card now earns 1 mpd on the first S$1,000 and 0.4 mpd thereafter for most users, with higher rates for users maintaining larger balances.
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 Chocolate Top-Up Programme is a promotional incentive and does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. 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 in your account automatically — and returns start the very next day.

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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