You asked, we answered

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!

Your money is invested in a globally diversified portfolio carefully selected to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality, and currency. This allows the portfolio to deliver a return of 4.6% p.a. for the first AED 100k and US$25k, and up to 4.6% p.a. on any amount thereafter. We make no money until we deliver your returns. What's more, if the portfolio doesn't make 4.6% p.a. for your first AED 100k and US$25k, the difference will be topped up so you enjoy the return we're aiming for. Does it get any better than that?

We certainly think so! But don't worry, we will make sure to understand your financial needs as part of our onboarding process. Enjoy 4.6% p.a. for the first AED 100k and US$25k, and up to 4.6% p.a. on any amount thereafter. You can see your returns daily in the Chocolate app and withdraw anytime you like. Chocolate makes no money until we deliver your return. What's more, if we don't make the 4.6% p.a. on your first AED 100k and US$25k, the difference will be topped up so you enjoy the return we're aiming for. Does it get any better than that? Learn more about the top-up in the Terms and Conditions.

Chocolate Finance is a new place for your spare cash. We are not a bank or a fixed deposit, we don’t require you to lock in your money for long periods, jump through hoops, or deal with confusing tiered rates. With Chocolate Finance, you can see your returns every single day in the Chocolate app. You can withdraw your money anytime – hello, happy money. We invest your money in a carefully curated portfolio. The portfolio is currently delivering a return of 4.6% p.a. for the first AED 100k and US$25k, and up to 4.6% p.a. for any amount thereafter. And if we don’t meet that return for your first AED 100k and US$25k, we’ll top up the difference to ensure you enjoy the full return. What’s more, Chocolate Finance only makes money once we achieve your return. It doesn’t get better than that, does it? Learn more about our Top-Up Feature here.

Chocolate Finance is not a money market fund. It is an open-ended public fund approved and regulated by the Capital Market Authority in the UAE. Chocolate Finance invests your money in a carefully curated portfolio, which can include a mix of securities designed to deliver a steady return.

Chocolate Finance was founded in Singapore, with offices in the UAE, Hong Kong and Japan. Here in the UAE, we are Chocolate Finance for Managing Investments of Investment Funds L.L.C – S.P.C., Company Registration Number CN-5711927. Our registered office is at Metal Park Kezad - Al Ma'mourah Khalifa Economic Zone, Area 8, Abu Dhabi, and we are licensed and regulated by the Capital Market Authority.

The fund invests in short-dated, investment-grade bonds issued by creditworthy companies and governments, generating a steady stream of interest income.

The Chocolate Global Income Fund is a conservative, globally diversified short-duration income portfolio built to optimise returns. To manage currency risk, we hedge exposures back to the currency you're holding in. It also helps that the AED is pegged to the US$, so movement between the two is very stable.

At Chocolate, your money is invested in a portfolio of fixed-income securities designed to optimise returns. Normally, it takes 1–2 business days to process a trade and a few more days for the sale to fully settle – which is why most withdrawals typically take up to 3–5 business days. If you want a fast withdrawal, withdraw up to AED 50k a day and we'll process it instantly. The daily limit is AED 50k per person. It's available on AED balances only, while US$ withdrawals follow the standard route. Anything above the limit follows the standard route too: you'll receive your money within 3 business days. Important to note: during periods of high demand, market stress or operational needs, the Liquidity Programme may be unavailable. In such cases, withdrawals will follow our standard processing time of up to 3 business days (or longer in certain situations – learn more here).

Nothing happens to your money! It's safe and segregated. We understand that the security of your money is of utmost importance. As a regulated fund manager, and to ensure that your money is safeguarded, we are required to keep it entirely separate from our own finances, in segregated accounts. Whether your money is in the form of cash or securities, we use the services of a licensed custodian bank to hold and manage it. This means that if anything happens to Chocolate Finance, your money remains separately held and ring-fenced, and you can still withdraw it anytime.

Your money is protected and safe with Chocolate Finance as the fund is approved and regulated by the Capital Market Authority. Your money is held by an independent custodian, Standard Chartered Bank, completely separate from Chocolate's own finances. The fund is audited by Grant Thornton, with accounts published regularly.

Yes, absolutely! We're regulated; the Chocolate Global Funds are approved by the Capital Market Authority (the UAE regulator, formerly the Securities and Commodities Authority) and listed on the official register of local funds. You can see the fund registered at this link. We're fully licensed too! The fund is managed by Chocolate Finance for Managing Investments of Investment Funds L.L.C – S.P.C (company number CN-5711927), licence numbers 20200000382 and 20200000381. You can see Chocolate Finance at this link. To assure you further, your money is held by Standard Chartered Bank, our independent custodian and administrator. We're also independently audited by Grant Thornton. You can see all the fund documents here.

No, currently we don't offer a Sharia compliant fund since the fund invests in traditional interest-bearing assets, uses hedging instruments, and no Sharia supervisory committee has been appointed. We'll let you know once we have a Sharia compliant fund.

Because your money moves through banks and markets in the UAE, the UK and the US, we count a business day as one when all three are open, i.e. Monday to Friday excluding public holidays.

Chocolate Finance's returns calculations use an industry-standard compound interest formula, which aligns with the methodology that most financial institutions employ. With compound interest, we account for "interest on interest," ensuring that the annual return accurately reflects the rate of 4.6% p.a. Returns are calculated as follows: Daily: 4.6%/365 (based on the Gregorian calendar days for that year). Monthly: (4.6%/365) × 30 (based on the Gregorian calendar days for that year). Annual: (4.6%/365) × 365 (based on the Gregorian calendar days for that year). For example, with an annual rate of 4.6% p.a. on a balance of AED 100,000, you would see an initial daily return of approximately AED 12.3, which gradually increases, assuming you remain invested. Over time, your daily returns could reach around AED 12.9, or AED 4,600 over the year. N.B. 4.6% is just an example and will be based on the Chocolate Rate on our website. This compound interest method provides a more accurate representation of returns, facilitating fair comparisons with other financial institutions. Additionally, it is designed to support customers focused on steady, cumulative growth over time.

Returns for amounts above AED 100k and US$25k can be up to 4.6% p.a., based on the yield to maturities of the underlying assets. However, the actual daily return may fluctuate a little due to market volatility and can either be positive, negative, or even neutral. If you see a few days of small negatives, as Charles Schwab says, "The best course of action is to remain invested and stay the course," or as John Bogle once said, "Stay the course. No matter what happens, stick to your programme." Your return is calculated using a money-weighted rate, considering the timing and size of your investments. Remember that the 4.6% p.a. return is not guaranteed and there is a potential, although small, for capital losses. Past performance is not necessarily an indication of future performance.

Chocolate Finance is not a bank or a fixed deposit account. We are also not a traditional money market fund or simple bond fund. We are something entirely new. Unlike traditional fixed deposits, there are no minimum or maximum requirements to open a Chocolate Finance account and your money is never locked in with Chocolate Finance. Withdraw anytime, without penalties.

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.

AED and US$, either or both. 😊

At Chocolate, we like to keep things refreshingly simple. You can see your returns every single day in the Chocolate app. Plus, there's no waiting around – withdraw anytime you like!

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.

Guaranteed returns? While we can't "guarantee returns", we invest your money in a carefully curated portfolio, which can include a mix of conservative short-duration fixed income securities. These are still subject to market movements. However, if the portfolio doesn't make the 4.6% p.a. on your first AED 100k and US$25k, the difference will be topped up to ensure you still enjoy the return. Does it get any better than that? Changes to returns: if we decide to change the returns, rest assured, we will communicate this change to you via email and push notification. You can withdraw your money at any time if you are not happy with the change.

We're quick on happy returns! Once you add money, it goes to work the same day and every day counts, even weekends. So you'll see your returns in the Chocolate app daily from the very next day.

If you ever decide to close your account (we would be incredibly sad to see you go), you can withdraw all your money, including the accumulated returns you have earned right up until the day you close. No penalties.

Nothing's wrong! There's no minimum balance to earn returns; every fraction of your balance is working. On very small balances, the daily change is too small (less than US$0.01) for US$ accounts or (less than AED 0.01) for AED accounts, which means you just need to add a little more to start seeing your returns. 😊

No, it isn't possible to earn more than 4.6% p.a. on balances exceeding AED 100k and US$25k. The Chocolate Rate is what we aim to deliver; if the fund delivers more than it, we take the excess as our performance fee. As you know, that's how we make our money (we've got to cover our costs somehow 😄). If you'd like to dive into the details 😄, read away.

Yes, returns are compounded. Enjoy 4.6% p.a. on your first AED 100k and US$25k, and up to 4.6% p.a. on amounts after that. Your returns will accrue daily and will also be compounded. You can see your returns daily in the Chocolate app. If we don’t make the 4.6% p.a. for the first AED 100k and US$25k, the difference will be topped up so you enjoy the return. 📝 Note that if you have more than AED 100k and US$25k in your account, the daily returns on your first AED 100k and US$25k become a part of your balance above AED 100k and US$25k and will in turn enjoy up to 4.6% p.a. return, based on the yield and performance of the underlying assets.

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.

You can access your US$ anytime, with no minimum or maximum limits on withdrawals. Because US$ moves through the international banking system, US$ withdrawals can take up to 5 working days to reach your verified account, a little longer than AED. To withdraw, simply tap 'Withdraw' in the app and your US$ will be sent directly to your verified account. ⚠️ Note: in some instances, such as if you've recently added money or made multiple transactions, your withdrawal might take a little longer.

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.

Just like your AED account, there are no monthly charges or subscriptions for using Chocolate Finance. We only make money after you make money, so ensuring you meet your return is our top priority. No fees are charged until your account achieves our Chocolate Rate. If the fund outperforms the stated returns, we’ll take it as our performance fee (we’ve got to make our money somewhere 🤑). We will never charge any fees on your 4.6% p.a. returns for your first US$25k or for returns below 4.6% p.a. on other amounts. The only other charge is a fee of US$10 for each US$ withdrawal. Want the full details? 🤓 You can read all about it here!

The Chocolate Global Income Fund consists of a portfolio of securities designed to optimise returns at low risk. These are usually, but not always, short-dated bonds and government securities. These may change at the sole discretion of the fund manager.

Anyone with a Chocolate Finance account. Add US$ directly from a bank account in your name.

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.

There are several ways to contact our awesome customer service team. The fastest way is using WhatsApp from within your app. Just tap on the pink WhatsApp icon on the top right corner of your homepage and we'll get chatting! You can also email support.ae@chocolatefinance.com. We're here Monday to Friday, 9am to 5pm GST.

You don't need to be a UAE resident; we welcome residents and non-residents, as long as you can complete our identity checks. We're not able to accept: US persons, US citizens, US tax residents and green card holders; anyone subject to sanctions or other legal restrictions that prevent them investing. Everyone verifies their identity when signing up. And if your circumstances change later, say you become a US person, we may need to close your account and return your money and your earnings to date.

We'll keep you in the loop with push notifications sent straight to your phone, so you can stay on top of your account transactions like top-ups and withdrawals as they happen. To receive push notifications, make sure notifications are enabled for the Chocolate Finance app in your mobile device settings, if you haven't already.

No problem at all! Please contact Customer Service to change your mobile phone number.

Message Customer Service on WhatsApp with your new address and a supporting document; your updated ID or a recent utility bill will do. We'll take care of the rest.

Simply drop Customer Service a WhatsApp message via the app and they can update this for you.

That's when we make money through the performance fee, which is only applied when the portfolio returns are higher than 4.6% p.a. on your first AED 100k and US$25k, or higher than the target 4.6% p.a. on amounts above that. So you aim for the Chocolate Rate, and we take whatever lands above it. If the fund falls short, the Top-Up Feature makes up the difference, and it covers your first AED 100k and US$25k. If you'd like to dive into the details 😄, read away.

The balancing item helps show how we account for market movements so you can have a clear understanding of what's happening with your money. It displays the difference between your account balance and the assets backing your money. Since asset values go up and down, the balancing item is how we show that movement against the Chocolate Rate of 4.6% p.a. on your first AED 100k and US$25k, and a target of 4.6% p.a. above that. There are 2 kinds of balancing items reflected in your live account statement: 1. The Top-Up Feature – if your returns are lower than 4.6% p.a. on your first AED 100k and US$25k, the difference will be topped up. It covers your first AED 100k and US$25k only. This is reflected as a positive balancing item. 2. A performance fee – we make our money when the fund returns more than the Chocolate Rate (we've got to make money somewhere 😄). If the fund's returns are higher than 4.6% p.a., we take the excess. This is reflected as a negative balancing item. But your returns will never fall below 4.6% while the Top-Up Feature is in effect. Your first AED 100k and US$25k can behave differently to the balance above those. For example, if the portfolio is delivering 4.3% p.a., your statement would show: a 0.3% positive balancing item on your first AED 100k and US$25k, making your rate 4.6% p.a.; and no balancing item on any amounts above AED 100k and US$25k, since the Top-Up Feature doesn't apply to amounts above. Another example: if the portfolio is delivering 4.7%, you'll see a negative 0.1% balancing item, making your rate 4.6% on all amounts.

Simply open your app and tap on the returns banner on the homepage. You'll be able to see the monthly returns you have earned for this month, and for a more detailed view, tap on daily returns to see returns for each day. You can also view your lifetime returns (the returns you earned from the day you opened your account). Curious where your money is invested? Go to your Account page and tap Live account statement. Pro tip: your monthly statements are on the Account page too.

Chocolate Finance is limited to one single account per person. But why not refer partners and families using our referral programme? That way, they can access the 4.6% p.a. returns on their first AED 100k and US$25k and up to 4.6% p.a. thereafter, and collectively your money is happier!

Share your ideas and help make Chocolate Finance better for everyone. However big or small, tell us what you think. To get started, shake your phone, take a screenshot, or tap the 'Share your ideas' banner in the app. We can't wait to hear from you! 😊

Adding money to your Chocolate account is simple and convenient. From the homepage of your Chocolate Finance app, tap on 'Add Money'. You'll be able to choose between AED and US$ bank transfers. Log in to your chosen bank account and use the Chocolate account details to make a payment in the currency you're saving in, AED or US$. The moment you put money into your Chocolate Finance account, your money starts working, and you'll be able to see your happy returns the very next day! Every day counts, weekends and public holidays included. Once it's in, you'll see it in your balance, earning returns daily. Please note: ensure you are sending money from your own account, as we only accept payments from accounts that belong to you.

There are no minimum or maximum requirements for the Chocolate Finance account. You can add as much or as little as you like!

No, money has to come by bank transfer from an account in your own name. Credit cards, some e-wallets, and third-party payment services aren't accepted, because we need to know the money you're adding is genuinely yours, and because many of these services do not provide the ability for us to return your money to you there.

Chocolate is designed to be smooth, simple, and safe. You can request a withdrawal anytime in your app. At Chocolate, your money is invested in a portfolio of investments designed to optimise returns at low risk. When you request a withdrawal, it typically takes up to 3 business days to process; that's how long it takes to sell your investments and send the money back to you. We have 2 routes for withdrawals: the standard withdrawal route, for both US$ and amounts above AED 50k. Request by 8am, and your money is normally with you within 3–5 business days. The instant withdrawal route: up to AED 50k a day can go through the faster lane. Remember, US$ always goes by the standard lane. Business days are days when banks are open in the UAE, UK, and US. Very occasionally, if there are unusual market conditions or if we still need a document from you, it can take longer.

Not at the moment. Chocolate is currently for money you add yourself, from your own account. We're always looking at ways to make Chocolate more accessible, so watch this space! 😊

Unfortunately, when it comes to receiving salaries directly into Chocolate Finance accounts, things are not as straightforward as we would like them to be. To ensure compliance, we need to verify that the money you're sending to Chocolate belongs to you (i.e. is coming from an account in your name). If the money is coming from an account that isn't yours, like a salary payment from your employer, we are unable to accept it. The easy workaround: have your salary land in your bank as usual, then move what you want to save across to Chocolate.

Ensuring the safety and integrity of your financial transactions is our top priority at Chocolate Finance. To maintain robust security measures and comply with regulations, we can only accept money sent from an account that bears your name. Therefore, if you send money from an account with a different name, we'll need to reject the transaction and return the money to the original sender. In the case of a joint account, we may need to verify some details. This helps us maintain the integrity of your Chocolate Finance experience.

As much as we would love to help, you will have to ask your other bank this question.

To make sure your money is safer than ever, all withdrawal accounts must be verified to protect you against scams and fraud. #nottodayscammers To securely add a verified withdrawal account, simply top up your Chocolate account from an account in your name (any amount will do). We’ll verify the account name and number through this deposit and save it for future withdrawals. You can withdraw your money anytime from your Chocolate Finance account: Tap 'Withdraw' on the Chocolate Finance app homepage. Enter the amount you want to withdraw and swipe to confirm. There are no minimum or maximum withdrawal limits. Your withdrawal will take anywhere from 3–5 business days to reach your account (or a bit longer if you are withdrawing money you recently added).

Most withdrawals arrive within 3 business days. But in some cases, it can take up to 7 business days. This usually happens if you've recently added money or made other transactions around the same time – and those funds haven't fully "settled" yet behind the scenes. Chocolate checks your available balance once a day at 8am. That's our daily cut-off. If your new transactions haven't finished processing by then, we need to wait for them to settle before we can send your money out. That's when withdrawals may take up to 7 business days instead of the usual 3 business days. What does "settled" mean? When you add money, it takes a bit of time for that transaction to finalise behind the scenes and become available for withdrawal – this is called "settling." It just means the money isn't quite ready to be used or withdrawn yet. You can track the status of your withdrawal anytime in the Chocolate app. We will also keep you informed via email.

There are no charges or penalties to withdraw your AED 😊. Take money out anytime, no restrictions. A fee of US$10 applies to each US$ withdrawal.

Money you add goes to the fund's account with Standard Chartered Bank, our custodian and fund administrator. Always follow the payment details shown in the Chocolate app, so your money lands exactly where it should.

Your withdrawal account is the account we've verified in your name the first time you added money. Withdrawals only ever go there, which is exactly what keeps your money out of a fraudster's reach. Need to change or add an account? Message Customer Service on WhatsApp and we'll walk you through verifying it.

Yes, you can set up a standing order from your bank! It's actually a smart way to grow your wealth on autopilot. 😊

Losing your phone can be a real pain! WhatsApp +971 50 475 2152 or email support.ae@chocolatefinance.com, and we will temporarily freeze your account. Don't worry, your Chocolate account will be in safe hands until you're ready to use it again.

Security is our top priority. Here are a few ways we keep your account, money, and data secure: Both the fund and Chocolate Finance are licensed and regulated by the Capital Market Authority. You can see our licence and fund registration on the Capital Market Authority's website here and here. Your money is safeguarded with a separate CBUAE-licensed institution as an independent custodian, entirely apart from Chocolate's own finances, so your money is completely safe and held separately. We perform thorough identity checks on every account, and withdrawals are only sent to an account verified in your name. We implement two-factor authentication (2FA), encryption, plus biometric or PIN access, with monitoring that flags anything unusual. We provide real-time alerts to keep you informed of all account activity. Our transaction monitoring system keeps a close eye on all transactions, flagging any suspicious activity and ensuring your peace of mind. We regularly scan for vulnerabilities and use independent auditors to conduct internal and external security tests.

The short answer is the money you put into your Chocolate Finance account is not safe from capital losses. However, for the long answer, you need to understand these 3 things: 1. Investment strategy: any money you put into your account (capital) is invested into a carefully curated portfolio, designed to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality, and currency. 2. Market fluctuations and how we deal with them: markets do go up and down and so will the portfolio value. For balances below AED 100k and US$25k, if the value of your portfolio is lower than your capital at any given point in time, the shortfall will be topped up (on both losses incurred on capital and returns) so you earn the Chocolate Rate on your first AED 100k and US$25k. This means your capital sum for balances below AED 100k and US$25k won't go down. Read more about the Top-Up Feature here or dive into the details in the Terms and Conditions. 3. Segregated funds: all money invested with Chocolate Finance is segregated and held separately by a third-party, licensed custodian. This means if anything happens to us, your money is still safe. Only the balancing item (i.e. any top-up that we may have provided) is not protected (and this is why we can't say your capital is guaranteed). For balances above AED 100k and US$25k, the return is up to the Chocolate Rate but the actual return may fluctuate due to market volatility. This means that the return on your balances above AED 100k and US$25k may be positive, neutral or may fall below the Chocolate Rate from time to time. Remember that we only make money if you make money, so we are very incentivised to achieve the returns. Note that the Chocolate Rate is not guaranteed and there is a potential for capital losses. Past performance is not necessarily an indication of future performance.

As part of our commitment to protecting our customers and preventing fraud, we monitor all transactions and conduct daily reviews to identify any unusual or suspicious activity. To report any scam or fraud cases, the fastest way is using WhatsApp from within your app. Just tap on the pink WhatsApp icon in the top right corner of your homepage and we'll get chatting! Alternatively, you can email us at support.ae@chocolatefinance.com. Our customer service team is available from 9am to 5pm, Monday to Friday GST.

Whilst imitation is the sincerest form of flattery, we take things like this seriously. Please help us to control impersonations by reporting this to our team immediately. The fastest way is to open the Chocolate Finance app and tap on the pink WhatsApp icon in the top right corner of your homepage and we'll get chatting! Alternatively, you can email us at support.ae@chocolatefinance.com. We thank you in advance.

We take the security of your personal information very seriously and we will never ask for your login credentials. Please report any phishing attempts immediately to our customer service team using WhatsApp from within your app. Just tap on the pink WhatsApp icon in the top right corner of your homepage and we'll get chatting! Alternatively, you can email us at support.ae@chocolatefinance.com.

Best things in life are free! It's completely free to open a Chocolate Finance account.

There are no monthly charges or subscriptions for using Chocolate Finance and there are no hidden fees. We make our money through a performance fee, where we take whatever the fund delivers above the Chocolate Rate (we've got to make our money somewhere 😄). So delivering the Chocolate Rate really is our number one priority. If you'd like to dive into the details 😄, read away here.

There are a variety of underlying costs of the fund, such as fees charged by banks, custodians, etc. But don't worry, your Chocolate Rate is always net of these fees. The Chocolate Rate is the real return you will get, unlike banks and other funds who will charge you fees, which means their advertised rates are higher than their real rates. With Chocolate, your rate is always the real rate.

Chocolate invests your savings in a globally diversified portfolio and we only make money once you’ve made money. So naturally, it’s our number one priority to make the returns we’re working towards for you. We make our money when the portfolio has met the Chocolate Rate and overperforms. In other words, we only make money after you make money!

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!

The AED 50 reward will be credited to your Chocolate Finance account once the friend you invited has successfully signed up using the unique link you sent them. Once they verify their identity and add money to their Chocolate account, you get your AED 50. It's that simple. If you invited your friend via your contact list within the Chocolate app, you can track your invites and nudge them to complete the necessary steps so your reward gets released to you. For T&Cs, go to the referrals page, scroll down to the bottom of the page and tap on 'Terms & Conditions'. Or click here. If you have questions or concerns, reach out to our friendly customer service team!