
Stupidly easy, stupidly rewarding. That's daily returns with Chocolate Finance too.
Loved how easy it was to win miles? With Chocolate Finance, it gets even better. See happy returns of 2% p.a. on your first S$20K and 1.8% p.a. on the next S$80K. No hoops, no lock-ins. Did we say stupidly easy, stupidly rewarding?
Let's go
Licensed by
Monetary Authority of Singapore
Trusted by
100K+ users
5-star reviews
1,000+

Download the Chocolate app

Spare cash doing nothing? Let's make it happy.

SGD
2%
p.a. on your first S$20k and 1.8% p.a. on your next S$80k and up to 1.8% p.a. any amount above that. Your money is already smiling.
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On your first S$100k, enjoy these SGD returns
1 day
S$
4
1 month
S$
120
3 months
S$
365
6 months
S$
730
1 year
S$
1,465

USD
4.1%
p.a. on your first US$20k, 3.8% p.a. on the next US$80k and up to 3.8% p.a. on any amount above that. US dollars' turn to smile.
Check out USD benefits
On your first US$100k, enjoy these USD returns
1 day
S$
8.30
1 month
S$
249
3 months
S$
757
6 months
S$
1,515
1 year
S$
3,039
Oh, and when we say 2% p.a. and 4.1% p.a., we mean it.
If we don't make the returns for your first S$100k (2% p.a. on your first S$20k and 1.8% p.a. on your next S$80k) and your first first US$100k (4.1% p.a. on your first US$20k and 3.8% p.a. on your next US$80k) , the difference will be topped up during the qualifying period. Does it get any better than that? Learn more
Sign up now
Note: The projected returns in the illustration above are based on a S$100k balance earning 2% p.a. return on the first S$20k and 1.8% p.a. on the next S$80k, and US$100k balance earning 4.1% p.a. return on the first US$20k and 3.8% p.a. on the next US$80k. Actual returns may differ depending on the number of days in each month. Illustrated returns are rounded for presentation purposes. This return is currently supported by a promotional 'Top-Up Programme', valid during the qualifying period and subject to terms and conditions. Learn more. Please note that these returns are not guaranteed and the principal sum is exposed to market risks.
Past performance or forecasts are not indicative of future results. Read our terms and conditions and FAQs before opening an account.
Past performance or forecasts are not indicative of future results. Read our terms and conditions and FAQs before opening an account.
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In just two years, our Chocolate family has enjoyed
Over S$45 million in happy returns!
Not bad for doing almost nothing. That's a looooot of happy people. Could've been more if you'd signed up sooner. Just saying.
Trusted by
100K+users
Downloads
134K+
5 Star reviews
1000+
The stated S$45.1 million return is the total of all interest earned across all funds and currencies by customers from January 2024 to April 2026.
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The stated S$45.1 million return is the total of all interest earned across all funds and currencies by customers from January 2024 to April 2026.
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Got questions? We saw that coming.
Answers here.
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Top up to enjoy happy returns
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3% p.a. return
On your first S$20k.
2.7% p.a. return
On your next S$80k.
Up to 2.7% p.a.
On amounts thereafter.
Full-on security
Security is our top priority.

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