Whatever the goal – get there faster with Jars.

Chocolate Finance is a new place for your spare cash!  🌟 Enjoy 3% p.a. return on your first S$20k, 2.7% p.a. on your next S$30k and up to 2.7% 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 take no fees and make no money until we deliver your returns.

The best part? Returns on your first S$50k are supported by the Chocolate Top-Up Programme, which means if we don't meet the returns we’re working towards during the Qualifying Period, we'll top up the difference. Smiling yet? 😊

Chocolate Visa debit Card: Every Chocolate Finance account comes with a free Visa debit card, with probably the best FX rates in town. Because making life richer starts with spending smarter!

Boost your savings with USD: Enjoy higher returns with the Chocolate USD Account – 4.3% p.a. on your first US$20k, 4% p.a. on your next US$30k, and up to 4% p.a. on balances above US$50k. All the same benefits as SGD, just in USD.

Start making life richer today!

The Top-Up Programme is a promotional incentive. It's been put in place to support the returns on your first S$50k (currently 3% p.a. on your first S$20k and 2.7% p.a. on your next S$30k) and your first US$50k (currently 4.3% p.a. on your first US$20k and 4% p.a. on your next US$30k) during the Qualifying Period. This means, if for some reason, the portfolio underperforms, the difference will be topped up so you enjoy the current rate.

The Qualifying Period runs from now until 30 June 2026, or until the assets under management for the Chocolate Managed Account reach S$2.5 billion—whichever comes first. Chocolate may, at its discretion, choose to extend or remove the Top-Up Programme.

Chocolate reserves the right to make changes to the Qualifying Period or adjust its rates at any time without prior notice. The Top-Up Programme will apply to the revised rate as long as it's within the Qualifying Period. For more details, please refer to the liquidity and top-up terms and conditions.

Risk disclosure 🤓: This programme does not guarantee capital or returns. Chocolate reserves the right to pause or stop the programme at any time due to market disruptions, over-utilisation, excessive withdrawals, exchange restrictions, or other force majeure events.

Easily! You can open a Chocolate Finance account in minutes.

• Step 1: Download the Chocolate Finance app from the App Store or Google Play.
• Step 2: Sign up and verify your identity using Singpass MyInfo.
• Step 3: Once verified, add money to your account using bank FAST transfer, eGIRO or PayNow QR.

And voila! See your returns daily in the app.

Good returns are like good friends – life is better with them. That's why you can earn S$15 every time a friend successfully joins Chocolate Finance using your unique referral link, tops up at least S$1,000 and keeps at least S$1,000 with us for 30 days. Better still, they'll receive S$15 too.

To refer a friend, simply tap Refer & Earn at the top of the app homepage, or head to More with Chocolate and tap Invite and get rewarded. From there, you can share your unique referral link through your favourite messaging app or copy the link to share however you like.

You can also allow Chocolate Finance access to your contacts or manually enter a friend's phone number to send them an invitation directly. They'll receive an SMS with your unique referral link to download the app and sign up. If you invite friends this way, you can track who you've invited and see their progress directly in the app.

Your money is invested into a portfolio of funds 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 3% p.a. for the first S$20k, 2.7% p.a. on your next S$30k and up to 2.7% p.a. any amount thereafter. We take no fee and make no money until we deliver your returns. What's more, if the portfolio doesn't make 3% p.a. for your first S$20k and 2.7% p.a. on your next S$30k, the difference will be topped up so you enjoy the stated return during the Qualifying Period. Does it get any better than that?

To learn more about what the underlying funds invest in, see our FAQ: 👉 What are the underlying funds?

Chocolate Finance offers a return of 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k, and up to 2.7% p.a. on any amount thereafter. Daily returns. No lock-ins. No complex criteria or hoops to jump through.

See your returns daily in the app. Chocolate takes no fee and only makes money once we deliver the return. This means, if we don't make the returns for your first S$50k or US$50k, the difference will be topped up during the Qualifying Period 🥳. Does it get any better than that? Learn more about the Top-Up Programme here.

With the Chocolate USD account, enjoy 4.3% p.a. on your first US$20k, 4% on your next US$30k, and up to 4% p.a. on balances above US$50k.

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 Managed Account portfolio designed to deliver the return.

You can request a withdrawal anytime in your app. We know how important it is to have easy access to your money.

While withdrawals contractually take up to 3 business days, they're usually processed a lot faster. Most withdrawals are with you the same day, and almost all arrive within 36 hours.

Why it may take longer:
If you’ve recently added funds, converted to or from USD or made multiple transactions your withdrawal may take a little longer to process. Your money is invested in a portfolio of funds, so we need to sell the relevant investments before transferring the funds back to you. These transactions may not have fully settled by our daily 11am cut-off. In such cases, withdrawals can take up to 7 business days. Learn why this happens.

Chocolate Finance is not covered by the Singapore Deposit Insurance Corporation (SDIC) because we are not a bank. Banks have SDIC protection because if the bank fails, your money is at risk. Chocolate operates differently. Your funds with Chocolate Finance are held separately by trusted custodians, HSBC, State Street, BNP Paribas, and Citibank under the management of our fund managers, and are ringfenced in the event that anything happens to Chocolate. Read more about SDIC here.