Say hello to a happy 4.6% p.a.
on your US$.

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.

Alongside your AED account, you can boost your savings in US$ with the Chocolate Finance US$ account. Here’s why you’ll love it: 🤑 4.6% p.a. on your first US$25k 🤑 and up to 4.6% p.a. on balances above US$25k. 🥰 All with the same benefits of AED. 👌 Add or withdraw US$ directly from your own bank account, effortlessly and without hassle. The best part: the Chocolate Top-Up Feature supports both AED 100k and US$25k. Daily returns, no lock-ins and no hoops or complicated steps – just the simplicity and flexibility you love about your AED account. Happy money, happy you!

There are many benefits to opening a US$ account. Here's why you'll love it: You can spread your money across currencies. Hold AED, US$, or both – a simple way to balance things out. Own the world's reserve currency. Handy if you have US$ costs, travel plans, or income. Enjoy all the same benefits. Daily returns, no lock-ins. Flexibility and control: seamlessly add or withdraw US$ directly from your preferred bank account in your name. The best part? The Chocolate Top-Up Feature will support your first US$25k in addition to your first AED 100k. If your return comes in under the Chocolate Rate, we top up the difference! Does it get any better than that? Happy money, happy you!

With the Chocolate US$ account, enjoy 4.6% p.a. on your first US$25k and up to 4.6% p.a. on any amount thereafter. 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; the rate you see is what you get and we only make money once we deliver the return. What's more, if we don't make the 4.6% p.a. for your first US$25k, the difference will be topped up so you enjoy the return. Does it get any better than that? Note: balances above US$25k are not supported by the Chocolate Top-Up Feature. Chocolate reserves the right to change the return from time to time in line with market conditions.

You can add or withdraw US$ directly from your own bank account. This is perfect if you already hold US$ elsewhere. Make sure you're adding money from a bank account in your name. Payments from accounts not in your name, or via e-wallets, credit cards, ATMs, or third-party services, will be rejected and refunded. Withdrawals go back to your verified account in US$, and can take up to 5 working days. A fee of US$10 applies to each US$ withdrawal. Your bank may also charge for the payment; that one's theirs, not ours.

The security of your money is our top priority. As a licensed fund manager, we ensure that your money is kept entirely separate from our own finances and is securely segregated. We work with a licensed custodian bank to hold and manage your money, whether it's in cash or securities. This means that, even if something were to happen to Chocolate Finance, your money remains safely ring-fenced and you can withdraw it at any time.