Making higher returns, you can count on.
It’s nerdy business.

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?

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).

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.

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.

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.

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.

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.

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.

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).