We turned one! 🥳
and we’re feeling all kinds of grateful our #chocfam and your incredible support. 
As a small celebration, we’re doubling referral rewards from 22nd July to 31st August 2025, get $10 for every successful referral  - double the usual S$5 reward!
#chocfam stories
Brown textured surface with subtle radiating lines from the right center.

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+
2%
% p.a. on your first S$20k. Earn 2% p.a. on your first S$20k. Earn 2
A photo of a woman holding her wallet and smiling due to the daily interest on her savings.Earn daily interest on your savings
Curved pink ribbon twisting against black background.
3%
% p.a. on your first S$20k. Earn 3% p.a. on your first S$20k. Earn 3
Stylized letter C in brown shades with a vertical pink stripe behind it.
Download the Chocolate app

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

Waving flag of Singapore with red upper half and white crescent and stars.
 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.
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
United States flag waving with 13 stripes and 50 white stars on blue canton.
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.
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.

Happy returns. Happy everything else too. It's kind of our thing.

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
No hoops.

Daily returns.

No complex criteria. Put S$100k in today. Happy returns tomorrow. Every morrow. We weren't kidding about stupidly easy.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Withdraw anytime.

No lock-ins.
No limits.

Take your money out anytime. No restrictions. No penalties. No hard feelings. Learn more here.

A 3D icon with a currency symbol with arrows around illustrating the daily returns of customers' savings accounts.
No minimums.

No fees.

Chocolate only makes money after you do. That's just how we roll.

A 3D icon of an open lock with an infinity symbol on it illustrating "no lock-ins". Customers can withdraw their saving at at any time.
Security is our top priority.

Safe and secure.

Okay, serious face on. Your account is protected with cutting-edge technology, SingPass MyInfo, real-time alerts, ring-fenced custody and relentless fraud protection. We don't play around with this one.

Download the Chocolate app today and sign up in minutes!

Download the app
Mobile screen showing Rachel's SGD balance $50,079.03 with $79.03 monthly returns and buttons to add, withdraw, convert.
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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.
it's so easy, clean and smooth with just about everything. I love this app
Google Play: Ash Win
19 Sep 2025
Super fast response and helpful in their customer service watapps process not like dbs take 3 days to respond and before got the issue where mass ppl remove money even myself when it take days for money to be withdrawn but after that saga now im back with them again for their wonderful services and high interest rate
Google: James Ong
25 Sep 2025
Been really happy using Chocolate Finance since 2024!! Love getting daily returns and the Choc Card is pretty useful too. Big props to the team for staying solid and transparent even during the whole “withdrawal worries” noise, came out stronger and kept users like me reassured. Keep it up! 👍
Google: bryan
16 Sep 2025
Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!
App store: coppertaneSG
24 Jul 2025
after using like more than half a year, have to say this is a decent product : daily interest and decent rate, simple and straight forward UI for navigating, nice card design, easy to transfer in and out and responsive customer service. all of these have enabled cf to offer a good alternate option for money parking.
Google Play: Wenle Zhang
07 Jan 2026
Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.
Google Play: Shaanjeet Kaur
28 Jul 2025
easy to use and good int rates for your spare money
App store: fiojoy
29 Aug 2025
Simple to use app, takes a day or two to withdraw funds. great experience overall.
Google Play: King Kong Macrov
28 Aug 2025
Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.
Google: Gam (gamov)
16 Sep 2025
Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!
App store: Spinokio8
25 Jul 2025
it's so easy, clean and smooth with just about everything. I love this app
Google Play: Ash Win
19 Sep 2025
Super fast response and helpful in their customer service watapps process not like dbs take 3 days to respond and before got the issue where mass ppl remove money even myself when it take days for money to be withdrawn but after that saga now im back with them again for their wonderful services and high interest rate
Google: James Ong
25 Sep 2025
Been really happy using Chocolate Finance since 2024!! Love getting daily returns and the Choc Card is pretty useful too. Big props to the team for staying solid and transparent even during the whole “withdrawal worries” noise, came out stronger and kept users like me reassured. Keep it up! 👍
Google: bryan
16 Sep 2025
Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!
App store: coppertaneSG
24 Jul 2025
after using like more than half a year, have to say this is a decent product : daily interest and decent rate, simple and straight forward UI for navigating, nice card design, easy to transfer in and out and responsive customer service. all of these have enabled cf to offer a good alternate option for money parking.
Google Play: Wenle Zhang
07 Jan 2026
Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.
Google Play: Shaanjeet Kaur
28 Jul 2025
easy to use and good int rates for your spare money
App store: fiojoy
29 Aug 2025
Simple to use app, takes a day or two to withdraw funds. great experience overall.
Google Play: King Kong Macrov
28 Aug 2025
Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.
Google: Gam (gamov)
16 Sep 2025
Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!
App store: Spinokio8
25 Jul 2025
Been really happy using Chocolate Finance since 2024!! Love getting daily returns and the Choc Card is pretty useful too. Big props to the team for staying solid and transparent even during the whole “withdrawal worries” noise, came out stronger and kept users like me reassured. Keep it up! 👍
Google: bryan
16 Sep 2025
Super fast response and helpful in their customer service watapps process not like dbs take 3 days to respond and before got the issue where mass ppl remove money even myself when it take days for money to be withdrawn but after that saga now im back with them again for their wonderful services and high interest rate
Google: James Ong
25 Sep 2025
Great app, great services. I love that we get great returns without the lock-in of traditional fixed deposit accounts. Transfers from DBS are free and super fast.
Google: Gam (gamov)
16 Sep 2025
after using like more than half a year, have to say this is a decent product : daily interest and decent rate, simple and straight forward UI for navigating, nice card design, easy to transfer in and out and responsive customer service. all of these have enabled cf to offer a good alternate option for money parking.
Google Play: Wenle Zhang
07 Jan 2026
Joined since Sep 2024. Easy to use, great interest for spare cash. No problems withdrawing.
Google Play: Shaanjeet Kaur
28 Jul 2025
Simple to use app, takes a day or two to withdraw funds. great experience overall.
Google Play: King Kong Macrov
28 Aug 2025
it's so easy, clean and smooth with just about everything. I love this app
Google Play: Ash Win
19 Sep 2025
easy to use and good int rates for your spare money
App store: fiojoy
29 Aug 2025
Chocolate, the positive disruption we need for Banking services!: Daily returns, above average returns and high liquidity. What more can we ask for?!
App store: coppertaneSG
24 Jul 2025
Good rate: I really enjoy the rate amidst the unstable world environment. I like Chocolate!
App store: Spinokio8
25 Jul 2025
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Round beige coin with a raised happy face smiling.
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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Circular white coin with a simple smiling face embossed on it against a black background.
Beige round token with a smiling face embossed on the surface.

Got questions? We saw that coming.

Answers here.

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up
Verify your identity using Singpass
Top up to enjoy happy returns
Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
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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Close-up view of textured brown leather surface with subtle radial lines.
Bold text saying The Chocolate Games with a light burst behind the letters.
It's a wrap, Singapore! 🎉
9 million miles won. Over 145,000 games played. 2,000 prizes won. 10 unforgettable days. Loved how stupidly easy that was? Same. Join the waitlist and play again when The Chocolate Games are coming back.
Join the waitlist
The link to download the app is on its way to you.
Check your SMS inbox and sign up now!
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