Imagine
‍4.6% returns, without hoops or lock-ins!p.a.

With Chocolate Finance, you get happy returns. Enjoy 4.6% p.a. on your first AED 100k and on your first US$25k, and up to 4.6% p.a. on any amount above. Are you smiling yet?

Let's go

4.6%

% p.a. on your Earn 4.6% p.a. on your first AED 100k and US$ 25k. Earn 4.6

A photo of a woman holding her wallet and smiling due to the daily interest on her savings.

% p.a. on your first S$20k. Earn 3% p.a. on your first S$20k. Earn 3

Chocolate Finance is not a bank. We’re a fund manager designed to deliver a happier return on your spare cash.

Trusted by

150K+ users

5 Stars reviews

1,000+

Make

life

richer

AED

4.6%

p.a. on your first AED 100k, and up to 4.6% p.a. on any amount above that

Scroll to learn more

USD

4.6%

p.a. on your first US$25k, and up to 4.6% p.a. on any amount above that

Check out USD benefits

Oh, and when we say 4.6% p.a., we mean it.

If we don’t make the returns for your first AED 100k and US$25k (4.6% p.a.), the difference will be topped up. Does it get any better than that? Learn more

The irresistible benefits of Chocolate

No hoops.

Daily returns.

No complex criteria. Just put your money in and start seeing daily returns on your first AED 100k and US$25k the very next day.

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. For information on withdrawals, learn more here.

An icon of a magnifying glass highlighting S$0 illustrating a savings account with no minimum deposits and no fees.

No minimums.

No hidden fees.

Chocolate makes money only after you've made money.

A 3D icon of a closed lock illustrating customers savings accounts safeguarded with Singpass.

Security is our top priority.

Safe and secure.

We safeguard your account with cutting-edge technology, identity verification, real-time alerts, ring-fenced custody and relentless fraud protection.

Download the Chocolate app today and sign up in minutes!

Download the app

Scan to download

A 3D icon of a coin with a currency symbol illustrating the best interest rate for savings accounts.

On your first AED 100k,

Enjoy these returns with Chocolate

How it works

1 day

AED

1 month

AED

383

3 months

AED

1,150

6 months

AED

2,300

1 year

AED

4,600

Note: The projected returns in the illustration above are based on a AED 100k balance earning 4.6% p.a. return. Actual returns may differ depending on the number of days in each month. Illustrated returns are rounded for presentation purposes. This return is supported by the Top-Up Feature, 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 and forecasts are not indicative of future results. Read our terms and conditions and FAQs before opening an account.

How it works

Regulated in the UAE

Security you can trust

Get started

A 3D icon in red and the letter 'i' illustrating savings account security with Singpass identity verification.

Your account is kept secure in multiple ways.

We use secure identity verification, MFA for large transactions, real-time transaction alerts, vigilant monitoring, and regular audits to ensure the safety of your account. It doesn’t get any safer than that.

A 3D icon of a safe deposit box illustrating customers savings held safe in custody accounts.

Your money is always safe.

With Chocolate Finance, your funds are held in a segregated custody account with a licensed financial institution. This ensures your money is safe no matter what happens to Chocolate.

Reviews

Don’t take our word for it,
take theirs

Happy reviews from the App store, Google Play store and Google.

Trusted by

150K+users

Downloads

134K+

5 Star reviews

1K+

Been using this app to store my extra money. Still ok. Daily returns guaranteed with min deposit! It works lah. Helps to save money.

Food Lover,

August 3, 2026

I’ve always been consfused with savings and stocks and the market etc, Chocolate has helped me understand more.

1049248

August 31, 2026

One of my favourite card to use!

Jacky Poh

January 8, 2026

A great way to enhance your retirement nest!

Koooo

August 1, 2026

Excellent customer service via the WhatsApp option, the agent handling the issue sorted it out in a few minutes and very friendly conversation. Very efficient and effective.

Shamsiah Binte Jaman

August 5, 2026

So far so good. When I haven't changed anything at all for that day, my interest value withdrawal feels pretty instant. Their interest is the highest among everywhere else.

August 15, 2026

Withdraw is completed instantly now. Good job Chocolate Finance. And I love it that I get 3% interest.

Jameskuwe

September 1, 2026

For anyone looking for a bit of extra income on the side, I've found this app to be pretty decent. It's not a get-rich-quick scheme, but it does generate a steady stream of passive income.

Felicia Gwee

June 15, 2026

Great app to grow money with money. There is no better satisfaction than to see your interest daily!

HHSssssaaa

September 1, 2026

The customer service is excellent and consistently so. Always available (slower on weekends obviously). When they can't resolve a particular issue, they advise on workaround solutions that are sensible. My favourite fintech customer service of all that I am on.

Wendy Yap

February 2, 2026

So far it has been a smooth time using this app and it’s card, feels safe and the returns are really good! Definitely will recommend it to other people.

Jyermy

September 16, 2026

Been using this app to store my extra money. Still ok. Daily returns guaranteed with min deposit! It works lah. Helps to save money.

Food Lover,

August 3, 2026

I’ve always been consfused with savings and stocks and the market etc, Chocolate has helped me understand more.

1049248

August 31, 2026

One of my favourite card to use!

Jacky Poh

January 8, 2026

A great way to enhance your retirement nest!

Koooo

August 1, 2026

Excellent customer service via the WhatsApp option, the agent handling the issue sorted it out in a few minutes and very friendly conversation. Very efficient and effective.

Shamsiah Binte Jaman

August 5, 2026

So far so good. When I haven't changed anything at all for that day, my interest value withdrawal feels pretty instant. Their interest is the highest among everywhere else.

August 15, 2026

Withdraw is completed instantly now. Good job Chocolate Finance. And I love it that I get 3% interest.

Jameskuwe

September 1, 2026

For anyone looking for a bit of extra income on the side, I've found this app to be pretty decent. It's not a get-rich-quick scheme, but it does generate a steady stream of passive income.

Felicia Gwee

June 15, 2026

Great app to grow money with money. There is no better satisfaction than to see your interest daily!

HHSssssaaa

September 1, 2026

Wendy Yap

February 2, 2026

So far it has been a smooth time using this app and it’s card, feels safe and the returns are really good! Definitely will recommend it to other people.

Jyermy

September 16, 2026

So far it has been a smooth time using this app and it’s card, feels safe and the returns are really good! Definitely will recommend it to other people.

Jyermy

September 16, 2026

Been using this app to store my extra money. Still ok. Daily returns guaranteed with min deposit! It works lah. Helps to save money.

Food Lover,

August 3, 2026

I’ve always been consfused with savings and stocks and the market etc, Chocolate has helped me understand more.

1049248

August 31, 2026

One of my favourite card to use!

Jacky Poh

January 8, 2026

A great way to enhance your retirement nest!

Koooo

August 1, 2026

Excellent customer service via the WhatsApp option, the agent handling the issue sorted it out in a few minutes and very friendly conversation. Very efficient and effective.

Shamsiah Binte Jaman

August 5, 2026

So far so good. When I haven't changed anything at all for that day, my interest value withdrawal feels pretty instant. Their interest is the highest among everywhere else.

August 15, 2026

Withdraw is completed instantly now. Good job Chocolate Finance. And I love it that I get 3% interest.

Jameskuwe

September 1, 2026

For anyone looking for a bit of extra income on the side, I've found this app to be pretty decent. It's not a get-rich-quick scheme, but it does generate a steady stream of passive income.

Felicia Gwee

June 15, 2026

Great app to grow money with money. There is no better satisfaction than to see your interest daily!

HHSssssaaa

September 1, 2026

Wendy Yap

February 2, 2026

You asked, we answered

Can't find your question? View all our FAQs, chat with us on WhatsApp, or email us via: support.ae@chocolatefinance.com

What is Chocolate Finance?

Chocolate Finance is a new place for your spare cash! 🌟 Enjoy 4.6% p.a. return on your first AED 100k and US$25k and up to 4.6% p.a. on any amount thereafter. Daily returns: see your returns every single day. No lock-ins; withdraw anytime. No complex criteria or hoops to jump through. What's more, we make no money until we deliver your returns. The best part? Returns on your first AED 100k and US$25k are supported by the Chocolate Top-Up Feature, which means if we don't meet the returns we’re working towards, we'll top up the difference. Smiling yet? 😊 Start making life richer today!

What is the Top-Up Feature and how does it work?

The Top-Up Feature is how we back the Chocolate Rate, currently 4.6% p.a., on your first AED 100k and US$25k. Amounts above that aren't covered. This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the Chocolate Rate. Risk disclosure 🤓: This Feature does not guarantee capital or returns. Chocolate reserves the right to pause or stop the Feature at any time due to market disruptions, over-utilisation, excessive withdrawals, exchange restrictions, or other force majeure events.

What currencies can I save in?

AED and US$, either or both. 😊

What rate is Chocolate Finance offering?

Chocolate Finance offers a return of 4.6% p.a. on your first AED 100k and first US$25k, and a target 4.6% p.a. on any amounts above that. Daily returns. No lock-ins. No complex criteria or hoops to jump through. See your returns daily in the app. With Chocolate, there are no hidden fees, and we only make money once we deliver the return. This means if we don't make the returns for your first AED 100k and US$25k, the difference will be topped up 🥳. Does it get any better than that? Chocolate reserves the right to change the return from time to time in line with market conditions. Note: Chocolate Finance is not a bank and doesn't 'offer interest'. Instead, your money earns a 'return' based on the performance of the Chocolate Global Income Fund.

How do I open a Chocolate Finance account?

Easily! In minutes. Step 1: Download the Chocolate Finance app from the App Store or Google Play. Step 2: Sign up and verify your identity in the app. Step 3: Review and accept the fund documents, then add money from your bank account. Once you add money, it goes to work the same day. Then watch your returns daily in the app.

What is the Chocolate Finance referral programme and how do I refer a friend to join?

Good returns are like good friends! Life is better with them. So in addition to great returns, you can earn AED 50 for every friend you successfully invite to join. It's a win-win! To refer a friend, simply go to the 'More with Chocolate' section on the app homepage and tap on 'Refer and earn AED 50'. From there, you can easily share your unique referral link via your preferred communication app or copy the link to share manually. Once your friend successfully signs up and adds money to their Chocolate account using your unique referral link, you will receive a notification, and AED 50 will be credited to your Chocolate balance. You can also give Chocolate access to your contacts for ease or manually enter their number into the search bar within the app to invite them directly. Once sent, your friends will receive a message with a unique link to download the app and sign up. This method allows you to track your referrals from the day you send the invite so you can keep track of who you've invited!

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up

Verify your identity

Top up to enjoy happy returns

Download the app

Scan to download

Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.

4.6% p.a. return

On your first AED 100k
and US$25k

Up to 4.6% p.a.

On any amount
thereafter

Full-on security

Security is our top priority.

In the United Arab Emirates, Chocolate Finance is operated by Chocolate Finance for Managing Investments of Investment Funds - L.L.C - S.P.C, licensed and regulated by the Capital Market Authority: Category Two: Dealing in Investment, for the activity of Investment Fund Management, under licence number 20200000382, and Category Five: Arrangement and Advice, for the activities of Financial Consultations, Introduction, and Promotion, under licence number 20200000381. Commercial registration number CN-5711927. Registered Address: Al Ma’Mourah, Khalifa Industrial Zone, Area 8, Abu Dhabi, United Arab Emirates. Views expressed are opinions of Chocolate Finance, subject to change without notice, and do not constitute a forecast, guarantee, investment advice, or a recommendation to buy or sell units in any fund. Statistics from third-party sources are believed reliable but are not guaranteed. All investments involve risk, including possible loss of the full amount invested, and may not be suitable for everyone. Past performance is not indicative of future results. Before subscribing, read the Prospectus and consider whether the product is right for you.

We like to keep things transparent, head to our Fund Information Page to see daily NAV updates and all our official fund documentation.

Imagine ‍4.6% returns, without hoops or lock-ins!p.a.

Make

life

richer

The irresistible benefits of Chocolate

Daily returns.

No lock-ins. No limits.

No hidden fees.

Safe and secure.

Download the Chocolate app today and sign up in minutes!

Enjoy these returns with Chocolate

Security you can trust

Your account is kept secure in multiple ways.

Your money is always safe.

Don’t take our word for it, take theirs

You asked, we answered

Download the app and sign up now.

It only takes a few minutes.

Imagine
‍4.6% returns, without hoops or lock-ins!p.a.

No lock-ins.
No limits.

Download the Chocolate app today and sign up in minutes!

Don’t take our word for it,
take theirs