Imagine
‍3.8% returnsp.a., without hoops or lock-ins!

With Chocolate Finance, you get happy returns. Enjoy 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k. Above that, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards.

Get started

3.8%

% on your first HK$100k. Earn 3.8% on your first HK$100k. Earn 3.8

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

% on your first HK$100k. Earn 3.8% on your first HK$100k. Earn 3.8

3.8%

License no. BSF252

Chocolate Finance is not a bank. We’re an asset management company designed to deliver a happier return on your spare cash.

Trusted by

100K+ users

5 Stars reviews

1,000+

Make

life

richer

Chocolate Advantage Programme supported

3.8% p.a.

On your first HK$100k

Chocolate Advantage Programme supported

3.5% p.a.

On your next HK$200k

Oh, and when we say 3.8% p.a., we mean it.

If we don't make the returns for your first HK$300k (3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k), the difference will be made up during the qualifying period. 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 HK$100k 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.

No lock-ins. No limits.

Take your money out anytime.

Withdrawals are usually instant. No restrictions, no penalties. For information on withdrawals, learn more here.

No minimums.

No fees.

Chocolate makes money only after you've made money. Our success is directly tied to yours, that’s why we don’t charge any fees upfront.

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, HKID 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

Or get a download link via SMS instead

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

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

On your first HK$300k,

Enjoy  these returns with Chocolate

Get started

1 day

HK$

1 month

HK$

871

3 months

HK$

2,613

6 months

HK$

5,226

1 year

HK$

10,603

Note: The projected returns in the illustration above are based on a HK$300k balance earning 3.8% p.a. return on the first HK$100k and 3.5% p.a. on the next HK$200k. Illustrated returns are rounded for presentation purposes. This return is currently supported by a promotional 'Chocolate Advantage Programme', valid during the qualifying period and subject to terms and conditions. Please note that these returns are not guaranteed and the principal sum is exposed to market risks.

Past performance or forecasts are not indicative of future results. Read our terms and conditions and FAQs before opening an account.

Get started

To bring you the best returns

We work with the best

Peace of mind

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 HKID identity verification, 2FA 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 accounts with SFC-licensed institutions. 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

1,000+

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: hello.hk@chocolatefinance.com

What is Chocolate Finance?

Chocolate Finance is a new place for your spare cash! 🌟
Enjoy 3.8% p.a. return on your first HK$100k, 3.5% p.a. on your next HK$200k. Above that, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards. 😊

We are not a bank or a fixed deposit – we don’t require you to lock in your money for long periods or jump through hoops.

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 don't charge our management fees until we deliver your stated returns.

The best part? Returns on your first HK$300k are supported by the Chocolate Advantage Programme during the Qualifying Period, which means if we don't meet the returns we’re working towards, we'll make up the difference to you. Smiling yet? 😊

Start making life richer today!

What rate is Chocolate Finance offering?

Chocolate Finance offers a return of 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k. Above that, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards. There’s no minimum or maximum limit - you can start with any amount. Daily returns. No lock-ins. No complex criteria or hoops to jump through.

For all amounts, Chocolate only charges management fees after we deliver the stated returns - we only make money after you make money. This means, if we don't make the returns for your first HK$300k, we will make up the difference to you during the Qualifying Period so you enjoy the stated returns 🥳. Does it get any better than that? Learn more about the Chocolate Advantage Programme here.

Chocolate rates may change in response to market conditions. If there is a planned Chocolate rate change, we will give our customers 14 days' notice in advance so you're never caught off guard.

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.

How does Chocolate generate these great returns?

Your money is invested in a portfolio of SFC-authorised funds carefully selected to optimise risk-adjusted returns, based on factors such as duration, yield to maturity, credit quality, and currency.

Chocolate Finance offers clients a return of 3.8% p.a. on the first HK$100k and 3.5% p.a. on the next HK$200k under the Chocolate Advantage Programme. Above that, we only charge management fees after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards.

We charge no fees until we deliver your stated returns. What's more, if the portfolio doesn't make 3.8% p.a. for your first HK$100k and 3.5% p.a. on your next HK$200k, the difference will be made up to you by Chocolate so you enjoy the stated returns 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?

What is the Chocolate Advantage Programme and its Qualifying Period?

The Chocolate Advantage Programme is a promotional programme. It's been put in place to support the returns on your first HK$300k (currently 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k) during the Qualifying Period. This means, if for any reason, the portfolio underperforms, the difference will be made up to you by Chocolate so you enjoy the current rate.

See some examples of how the Chocolate Advantage Programme works here!

The Qualifying Period runs from now until 30th June 2027 or until the assets under management for the Chocolate Managed Account reach HK$1 billion — whichever comes first, unless extended, shortened, suspended, or otherwise varied by Chocolate Finance in its sole discretion. If anything ever changes to the programme or if it will be extended, we'll always keep you posted.

Chocolate reserves the right to make changes to the Qualifying Period or adjust its rates at any time due to circumstances including but not limited to market disruptions, over-utilisation, excessive withdrawals, exchange restrictions, or other force majeure events, in order to protect our customers' interest in the long run. The Chocolate Advantage Programme will apply to the revised rate as long as it's within the Qualifying Period.

For more details, please refer to the Chocolate Advantage Programme terms and conditions.

Risk disclosure: This program does not guarantee capital or returns.

‍

How do I open a Chocolate Finance account?

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.
Step 3: Once verified, add money to your account and start!

And voilà! See your returns daily in the app.

How long do withdrawals take to reach my account?

For withdrawals up to HK$50k within any 1 given day – You should get your money instantly! (or it can also be multiple withdrawals adding up to HK$50k within any 1 given day!)

This feature is supported by the Instant Withdrawal Programme during the Qualifying Period (currently running until 30th June 2027. If anything ever changes, we'll always keep you posted.). ⚠️In exceptional circumstances, such as an unusually high volume of withdrawal requests where we have reached our total daily withdrawal cap, you can still withdraw your money – it will just take a little longer to reach you – usually 3 business days, or you can wait until the next day to withdraw again.

For withdrawals over HK$50k (or multiple withdrawals adding up to more than HK$50k within any 1 given day) – You should usually receive your money in 3 business days. For example, if you withdraw HK$40k instantly and on the same day request another HK$20k, the second withdrawal should usually take 3 business days to reach your account since the total for the day exceeds HK$50k (HK$40k + HK$20k = HK$60k). If you've recently added money, made multiple transactions, or your withdrawal happens during rebalancing, the withdrawal may take up to 7 business days to process.

Read the full terms here.

What is the Instant Withdrawal Programme and its Qualifying Period?

It is a promotional programme put in place to provide your instant access to up to HK$50k withdrawal per day during the Qualifying Period. It can be one withdrawal up to HK$50k or multiple withdrawals adding up to HK$50k within any 1 given day.

We created this program because we know how important speedy access to your money is — while we handle the fund sale behind the scenes. In other words: We front the cash for you, so you don’t have to wait. You’re welcome. 😉

The Qualifying Period runs from now until 30th June 2027. If anything ever changes to the programme or if it will be extended, we'll always keep you posted.

Is Chocolate Finance Legitimate?

Yes, Chocolate Finance is absolutely legitimate! Chocolate Finance is a brand of Chocolate Finance HK Ltd, which is licensed (CE No. BSF252) under the Securities and Futures Ordinance (Cap 571) to carry out business in Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities.

How secure is Chocolate Finance?

Security is our top priority. Here's how we keep your account, money, and data secure:

Your money is safeguarded within a separated custodian account in a bank.
We implement two-factor authentication (2FA) and a PIN for high value transactions and withdrawals, adding an extra layer of protection to your account.
We provide real-time alerts to keep you informed of any account activity.
Our transaction monitoring system keeps a close eye on all transactions and flag any suspicious activity to ensure your peace of mind.
We regularly scan for vulnerabilities and hire independent auditors to conduct internal and external security tests.
Chocolate Finance is managed by Chocolate Finance HK Ltd, licensed by the Securities and Futures Commission of Hong Kong (CE No. BSF252).

As there are no fees, how does Chocolate Finance make money?

There are no monthly charges or subscriptions for using Chocolate Finance. We invest your money in a portfolio of fixed-income funds and/or money market funds, and no management fees are charged until you achieve the stated returns. We only make money after you’ve made money. So naturally, it’s our number one priority to deliver your returns.

Only if the stated returns have been achieved and the fund outperforms the stated returns, we will charge a fee of between 0-2%, depending on how much the portfolio outperforms (we've got to make our money somewhere 🤑). We will never take any money from your 3.8% p.a. returns on the first HK$100k and your 3.5% p.a. returns for amounts above HK$100k.

What underlying funds does my money go to?

The Chocolate Finance managed account is a portfolio of funds currently made up of:

Amundi Funds US Short Term Bond Fund
Invesco USD Ultra-Short Term Debt Fund
abrdn Short Dated Enhanced Income Fund

Portfolio composition may change or be rebalanced at the sole discretion of the portfolio manager from time to time. Chocolate will notify you at least 2 weeks in advance before any rebalancing through email and push notification. In your app, you will be able to see the information on each fund and the percentage of money allocated to them.

‍

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.

3.8% p.a. return

On your first HK$100k.

3.5% p.a. return

On your next HK$200k.

Full-on security

Security is our top priority.

Chocolate Finance is a brand of Chocolate Finance HK Ltd, which is licensed (CE No. BSF252) under the Securities and Futures Ordinance (Cap 571) to carry on business in Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities. Chocolate Finance’s returns are subject to change based on market conditions, with Chocolate Advantage Programme offered as a promotional activity during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply.

This website was prepared without regard to your specific investment objectives, financial situation, accounting or tax needs and does not constitute advice. Before applying, you should consider carefully whether the product/service is suitable for you. This advertisement has not been reviewed by the Securities & Futures Commission of Hong Kong (SFC).

All views expressed are opinions of Chocolate Finance and are subject to change based on market and other conditions without notice or obligation. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. The mention of any individual securities should neither constitute nor be construed as a solicitation or recommendation to purchase or sell investments, and the information provided regarding such individual investments is not intended to be used to form any basis upon which an investment decision is to be made. Any statistics have been obtained from sources Chocolate Finance believed to be reliable but the accuracy and completeness of the information cannot be guaranteed. All investments involve risk, including the risk of losing all of the invested amount. Such activities may not be suitable for everyone. Past performance is not indicative of future results.

Imagine ‍3.8% returnsp.a., without hoops or lock-ins!

Make

life

richer

The irresistible benefits of Chocolate

Daily returns.

Take your money out anytime.

No fees.

Safe and secure.

Download the Chocolate app today and sign up in minutes!

Enjoy these returns with Chocolate

We work with the best

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
‍3.8% returnsp.a., without hoops or lock-ins!

Enjoy  these returns with Chocolate

Security
you can trust

Don’t take our word for it,
take theirs