You asked, we answered

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!

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?

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 or jump through hoops. With Chocolate Finance, you can see your returns every single day in the app. You can withdraw your money anytime – hello, happy money.

We invest your funds in a carefully curated portfolio, which can include a mix of conservative short-duration fixed income funds and/or money market funds. The portfolio is currently delivering a return of 3.8% p.a. on your first HK$100k, 3.5% p.a. on your next HK$200k. 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. And if we don’t meet that return for your first HK$300k during the Qualifying Period (3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k), we’ll make 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 Chocolate Advantage Programme here.

To understand more about which underlying funds we are currently investing in, see our FAQ: 👉 What are the underlying funds?

Chocolate Finance is not a Money Market Fund. It is a cash management platform, operated by Chocolate Finance HK Ltd, licensed by the SFC (CE No. BSF252) to carry out Type 1 (Dealing in Securities), Type 4 (Advising on Securities) and Type 9 (Asset Management) regulated activities. We open a segregated discretionary investment account for each client, called the Chocolate Managed Account.

Chocolate Finance invests your money in a carefully curated portfolio of conservative, short-duration fixed income funds and/or money market funds.

To understand more about which underlying funds we are currently investing in, see our FAQ: 👉 What are the underlying funds?

The Chocolate Finance brand is founded in Singapore registered under the name Chocfin Pte Ltd and licensed for Capital Markets Services (CMS101452).

In Hong Kong, 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.

In addition to Singapore and Hong Kong, Chocolate Finance is currently expanding to Japan and the UAE.

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.

‍

The underlying funds of the Chocolate Managed Account are invested globally to optimise returns. Funds settled in foreign currencies carry the risk of exchange rate.

Past performance of each individual underlying fund can be found in our app. Please note past performance is not an indication of future performance.

Nothing happens to your money! It's safe and segregated. We understand that the security of your funds is of utmost importance. As a regulated investment manager, and to ensure that your money is safeguarded, we are required to keep it entirely separate from our own finances and manage it separately.

Whether your funds are in the form of cash or securities, we use the services of all licensed custodian banks to hold and manage them. This means that if anything happens to Chocolate Finance, your money remains separately custodised (ringfenced) and you can still withdraw it anytime.

Chocolate Finance is not covered by the Hong Kong Deposit Protection Scheme (HKDPS) because we are not a bank regulated under the HKMA. The HKDPS protects depositors if a bank fails; Chocolate Finance is an SFC-licensed asset manager and operates differently.

Your funds with Chocolate Finance are held separately by trusted custodians and are strictly segregated from Chocolate’s own assets; even if anything happens to Chocolate Finance, your funds will remain independently custodied and you will still be able to withdraw them as usual.

‍

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.

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.

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 effective rate.

Take 3.8% p.a. as an example, returns are calculated as follows:

Daily: ((103.8/100)^(1/365.25)) - 1
Monthly: ((103.8/100)^(30/365.25)) - 1
Annual: ((103.8/100)^(365.25/365.25)) - 1

For example, with an annual rate of 3.8% p.a. on a balance of HK$100,000, you would see an initial daily return of approximately HK$10.20, which gradually increases, assuming you remain invested. Over time, your daily returns could reach around HK$3,800 over the year.

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.

📝 Note that if you have more than HK$100k in your account, the daily returns on your first HK$100k become a part of your balance above HK$100k and will in turn enjoy the 3.5% p.a. return applicable to the HK$100k-HK$300k tier for compounding purposes.

Your money starts seeing returns quickly with Chocolate Finance:

Balances below HK$300k: You'll see returns in your app the next day.
Balances above HK$300k: Depending on when we receive your money, it may take up to 3 business days to start seeing returns on your latest top-up.

Therefore, for a HK$400K deposit without withdrawal, you can see returns for your first $300K the very next day. Within 3 working days you will see an additional return of the remaining $100K coming in and become part of your rolling return. Hooray!

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!

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.

‍

We never want to pause the Chocolate Advantage Programme, but we reserve 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 - If this happens, customer funds will continue to be invested in the same portfolio of funds, and returns will be based entirely on the actual performance of the invested portfolio. This means the return on the first HK$100k may be lower than 3.8% p.a., and return on the amount above that may be lower than 3.5% p.a.

Should anything ever change to the programme (including updates to Chocolate rate & the Qualifying Period), we'll give you 14 days' notice in advance through the Chocolate App and email for you to plan ahead.

Returns for amounts above HK$300,000 can be up to 3.5% p.a., based on the yield to maturity of the underlying assets.

However, the actual daily return may fluctuate a little due to market volatility and the shown returns on amounts above HK$300,000 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. For funds above HK$300k, the 3.5% p.a. return is not supported by the Chocolate Advantage Programme and there is a potential for capital losses. Past performance is not an indication of future performance.

Yes, it's possible to earn more than 3.5% p.a. on balances exceeding HK$300k. This will happen if the underlying portfolio outperforms its return by more than 2% annually over a full-year period. While this outcome is rare because of the portfolio's low volatility design, it's still a possibility.

Chocolate Finance only charges management fees (up to a maximum of 2%) once the portfolio has delivered your stated returns (we've got to cover our costs somehow 🤑). If the portfolio's return exceeds the return by more than 2% annually, those excess returns are all yours to enjoy. Ka-ching!

If you'd like to dive into the details 🤓, read away.

While we can't "guarantee returns", we invest your funds in a carefully curated portfolio, which can include a mix of conservative short-duration fixed income funds and/or money market funds, which are subject to market movements. However, if the portfolio doesn't make the 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k, we will make up the difference to you during the Qualifying Period to ensure you still enjoy the stated returns with our Chocolate Advantage Programme. Does it get any better than that?

That said, we will always set our target returns at rates we confidently believe are achievable based on the characteristics of the underlying asset portfolios.

To understand more about which underlying funds we are currently investing in, see our FAQ: 👉 What are the underlying funds?

Chocolate rates are based on market interest rates and 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. If the Chocolate rate is updated, your returns before the rate change will remain at the previous Chocolate rate, whilst after the rate change, you will get your returns at the new Chocolate rate.

That said, we will always set our target returns at rates we confidently believe are achievable based on the characteristics of the underlying asset portfolios.

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.

It's worth noting that the daily returns you earn on balances less than HK$98 are below 1 cent (HK$0.01) and won't be able to be displayed on the app.

Instead you'll start seeing a visible daily return once your balance exceeds HK$98! 😊

The Chocolate Managed Account currently supports HKD!

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 the account. No penalties.

Yes, returns are compounded. Enjoy 3.8% p.a. on your first HK$100k, 3.5% p.a. on your next HK$200k. 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.

Your returns will accrue daily and will also be compounded. You can see your returns daily in the app. If we don’t make the 3.8% p.a. for the first HK$100k and 3.5% p.a. on your next HK$200k, the difference will be made up during the qualifying period of the Chocolate Advantage Programme so you enjoy the return.

📝 Note that if you have more than HK$100k in your account, the daily returns on your first HK$100k become a part of your balance above HK$100k and will in turn enjoy the 3.5% p.a. return applicable to the HK$100k-HK$300k tier for compounding purposes.

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.

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!

Alternatively, you can call us on +852 9298 0464. Our customer services will be available from 9am - 6pm, Monday to Friday (except public holidays).

We currently only accept HK SAR residents with a Hong Kong ID card.

Please note we are unable to accept:

a) U.S. citizens or U.S. permanent resident (green card) status; or

b) U.S. residency and/or mailing address; or

c) Chinese citizens with a Chinese passport or Chinese ID card only;

d) Citizens or residents from high-risk countries (i.e. Iran, North Korea, Russia and Myanmar)

We'll keep you informed through push notifications, providing updates on transactions and confirming actions taken on your account, such as deposits and withdrawals.

Additionally, at the beginning of every month, your monthly statement will be available in the app for your records.

You will also be given the option to opt-in to receive rewards, promotional offers, and marketing communications during sign-up. You can change your communication preferences at any time via the unsubscribe link in our emails or contact our Customer Service.

‍

Please contact customer service via WhatsApp to change your phone number. We will ask for the following details for security purposes:

• Full name
• Registered email address
• Old and new mobile numbers
• Date of birth
• A screenshot of your mobile bill statement/app showing your name and new mobile number

You can edit your email address in the app anytime. Go to the 'My Account' page, tap on your name, then on the 'My Details' page, tap on your email address, and simply update it.

‍

We always prioritise your returns first - we only earn after you earn. If Chocolate Finance's underlying portfolio outperforms the stated returns (i.e. higher than 3.8% p.a on your first HK$100k and 3.5% p.a. on further amount), we charge the excess as management fee of between 0-2%, depending on how much the portfolio outperforms.

If the portfolio's return exceeds the stated return by more than 2% annually, then those excess returns are all yours to enjoy. Ka-ching!

If you'd like to dive into the details 🤓, read away.

The balancing item helps show how we account for market movement 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, we balance this fluctuation for you so that you get the 3.8% p.a. return on your first HK$100k and 3.5% p.a. return on your next HK$200k. There are 2 kinds of balancing items reflected in your live account statement:

1. The Chocolate Advantage Programme – If your returns are lower than 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k – we make up the difference to you during the Qualifying Period. This difference is reflected as a positive balancing item.

2. Management fee - We make our money when the portfolio outperforms the stated returns (we've got to make money somewhere 🤑). If your returns are higher than 3.8% p.a. on your first HK$100k or 3.5% p.a. on amounts above HK$100k, we take the excess as a management fee (between 0-2%, depending on how much the portfolio outperforms). This is reflected as a negative balancing item. Rest assured, we only make money after you have made your returns. If the portfolio outperforms the stated returns by more than the 2% performance fee cap - the extra return above that cap belongs to you.

In some circumstances, you may see a combination of these balancing items. For example, if you have a balance over HK$300k and the portfolio is delivering 3.6% p.a., your balancing item would contain both: (a) a 0.2% make-up for the returns on your first HK$100k, bringing you to 3.8% p.a. and (b) a 0.1% performance fee for the balance above HK$100k, giving you 3.5% p.a.

If you would like to find out more about the breakdown of balancing items and performance fees, please refer to your monthly statement and our FAQ "What are the balancing item breakdowns shown on my monthly statement?".

These are the three breakdowns in your monthly statement:

Indicative performance fee: When the stated returns of 3.8% p.a. on your first HK$100k and 3.5% p.a. on your next HK$200k have been achieved and the portfolio outperforms the stated returns, we will charge a management fee of between 0-2%.

Under-performance (covered by the Chocolate Advantage Programme): If your returns are lower than 3.8% p.a on your first HK$100k and 3.5% p.a. on your next HK$200k – we make up the difference to you during the Qualifying Period. This difference is reflected as under-performance on the monthly statement.

Over-performance: If the stated returns have been achieved and the portfolio outperforms the stated returns by more than 2%, this over-performance represents all extra returns exceeds the 2% cap.

Please note that "Under-performance" and "over-performance" cannot occur in the same period, so only one will appear on your monthly statement. Any "over-performance" amount will be credited to you after your account anniversary date.

Simply open your app - your current balance and daily returns are on the homepage. If you want to see further details on the returns, you can:

Tap on the returns banner from the homepage to see the monthly and lifetime returns you have earned on your first HK$300k as well as returns on amounts exceeding that. For a more detailed view, tap on 'View daily returns' to see returns for each day.

If you're curious about what your money is invested in, navigate to your account page and tap on 'Live account statement' to see more details.

You can also see your monthly statements on your account page.

Chocolate Finance is limited to one account per person. But why not refer partners and families through our referral programme? That way, they can enjoy the 3.8% p.a. return on their first HK$100k, 3.5% p.a. on their next HK$200k and target 3.5% p.a. thereafter and collectively, your money is happier!

Got ideas on how to make Chocolate Finance better for everyone? Share them and our top contributors each month could walk away richer!

Whether it's a small tweak or a big idea – share your feedback, suggestions, or report a bug and we will review them monthly to reward the top 3 contributors:
🥇 1st place: HK$1,000
🥈 2nd place: HK$500
🥉 3rd place: HK$250

Rewards will be credited to winners' accounts in the next month. We can't wait to hear from you!

To get started, simply shake your phone, take a screenshot or tap on the ‘Share your ideas and win’ banner under the 'More with Chocolate' section on your app homepage and follow the instructions on the pop-up!

Adding money to your Chocolate account is simple and convenient. From the homepage of your Chocolate Finance app, tap on 'Add Money' and choose:

Link your bank account:
When you use it for the first time, select your bank and enter your bank account number to link it. Once your bank account is successfully linked, you can deposit funds directly from your bank account without leaving the Chocolate app.

FPS:
Transfer from your preferred bank via FPS ID or FPS QR code. Please input the Bill reference number in the Bill reference field.

One-time bank transfer:
Make a one-time bank transfer quickly and securely. Log in to your chosen bank account and use your Chocolate account details to make a transfer.

Timeframes for transfers:
Transfers are typically instant. If your transfer isn't immediate, allow a few minutes for processing.

There are no minimum or maximum requirements for the Chocolate Finance account. You can add as much or as little as you like! However, it's worth noting that the daily returns you earn on balances less than HK$98 are below 1 cent (HK$0.01) and won't be able to display on the app. Instead you'll start seeing a visible daily return once your balance exceeds HK$98! 😊

Currently, you can add money to your Chocolate Finance account via "Link your bank account", "FPS" or "One-time bank transfer".

E-wallet or credit card are not supported.

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.

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.

We never want to pause the Instant Withdrawal Programme, but we reserve the right to pause the programme 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' interests in the long run.

If the programme is ever suspended, your money will still reach you. All withdrawals will be completed within 3 business days through our standard process. If you've recently added money, made multiple transactions, or your withdrawal happens during rebalancing, the withdrawal may take longer process to up to 7 business days.

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.

That said, why not set up a recurring instruction to send your salary from your bank to your Chocolate account? This way, you can automatically transfer your hard-earned cash from your bank account to your Chocolate account every month like clockwork!

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 a bank 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 bank account, we may require additional verification. This helps us maintain the integrity of your Chocolate Finance experience.

When you first transfer money from a bank account into your Chocolate account, we’ll verify the account name and number shown with that top-up and set it as a verified withdrawal account. To make sure your money is safer than ever, all withdrawal accounts must be verified to protect you against scams and fraud.

You can withdraw from your Chocolate Finance account anytime via bank transfer. By default, your withdrawals are sent back to the bank account you originally topped up from — no extra setup needed.

Tap “Withdraw” on the app homepage, enter the amount and swipe to confirm — there are no minimum or maximum withdrawal limits.

Refer to the question "How long do withdrawals take to reach my account?" for more details.

For single/ multiple withdrawals of amounts up to HK$50k on any 1 given day, you should receive your money instantly. This feature is supported by the Instant Withdrawal Programme which is only available for users who have enabled Fast Track. Please make sure you have Fast Track turned on from "My account" to enjoy this feature.

For other cases, 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 12:30pm. 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 app. We will also keep you informed via email.

There are no charges or penalties to withdraw your money 😊. Take money out anytime, no restrictions.

Chocolate Finance uses Standard Chartered Bank for the collection of the account holder's money. Need help adding money to your Chocolate account? See "How do I add money to my Chocolate Finance Account?"

eDDA makes adding money a breeze. Once you link your preferred bank account to the Chocolate app, you can add money instantly without leaving the app and will receive notifications when money is added through your top-ups.

eDDA is available for selected banks in Hong Kong. Please check the app for the current list of supported banks.

If your linked bank account has insufficient funds, the transfer will fail. You’ll get a notification or message in the app about this. To fix this, simply top up your bank account and try the transaction again. If the problem persists, you might want to check with your linked bank to ensure everything’s in order on their end.

Remember: Chocolate Finance Hong Kong does not charge you for insufficient fund transfer. However, your linked bank may charge you. So remember to top up your bank account!

Yes, you can link more than one bank account to your Chocolate account. To link your preferred bank account, tap on 'Add money' in the app and select 'Link a bank account.' Choose from the list of banks and follow the on-screen instructions. If your bank isn’t listed, they may not support eDDA.

Managing your linked accounts is easy within the app – you can edit details and add nicknames for easy recognition.

Scheduling recurring top-ups with Chocolate is easy and flexible. You have two options:

One-time scheduled transfer: Choose a specific date to schedule a single transfer from your linked bank account.

Regular top-ups: Set up automatic transfers based on your preferred schedule. Define the frequency as monthly, weekly, or quarterly and even set an end date for the schedule. You can also have multiple schedules running simultaneously if needed.

Recurring and one-time transfers will be processed between 8:00 am and 11:00 am on your chosen day. You’ll receive a notification when the top-up has been processed. If you need to make changes, you can easily cancel or adjust your scheduled top-ups within the app.

Fast Track is designed to make adding and withdrawing money with Chocolate quicker and simpler.

With Fast Track, transactions are processed using the Most Recently Available price (i.e. the Most Recently Available NAV), without being affected by subsequent market price movements.

Settlement is usually instant, with Instant Withdrawals available for up to HK$50,000 per day. You’ll also start earning returns from the day you add money.

You can check if Fast Track is on in your Chocolate App settings. Tap on 'My Account' in the top-left corner of the App, then scroll to check if 'Fast Track' mode is on. If it is off, you can tap on the toggle next to "Fast Track" to turn it on anytime.

The main differences between Fast Track and Standard are the transaction price, settlement time and when you start earning returns.

⚡ Fast Track
Transactions are processed using the Most Recently Available price (i.e. the Most Recently Available NAV) and are not affected by subsequent market price movements after you submit the transaction. Settlement is usually instant, with Instant Withdrawals available for up to HK$50,000 per day.

You’ll start earning returns from the day you add money, and when you withdraw you'll receive the exact amount you request.

🕐 Standard
Transactions follow the fund’s normal trading and settlement process and use the Actual price at the end of the trading day, which is generally confirmed 1–2 days later. Settlement usually takes around 3 business days.

You’ll start earning returns from the next day after adding money, while the final withdrawal amount may be slightly higher or lower than the amount requested due to changes in the fund price.

You can choose the mode that best suits your needs and switch between them anytime in your Chocolate App settings. Tap on 'My Account' in the top-left corner of the App, then enable or disable 'Fast Track' to switch between settlement modes.

You can switch between Fast Track and Standard anytime in your Chocolate App settings. Tap on 'My Account' in the top-left corner of the App, then enable or disable 'Fast Track' to switch between settlement modes.

Please note that if you have a transaction in progress, such as a withdrawal, you’ll need to wait until the transaction is completed before switching modes.

Under Standard, transactions follow the fund’s normal trading and settlement process and use the Actual price at the end of the trading day, which is generally confirmed 1–2 days later. Settlement usually takes around 3 business days.

As the fund price may change during this period, the final withdrawal amount you receive may be slightly higher or lower than the amount you originally requested.

If you want to receive the exact amount you request, please use Fast Track. You can switch between modes by tapping "My Account" in the top-left corner of the app, then enable or disable 'Fast Track' to switch between settlement modes.

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).

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 the following aspects:

Investment Strategy
Your funds (capital) are invested in a carefully curated portfolio of SFC authorised conservative short-duration fixed income funds and/or money market funds, designed to optimise risk-adjusted returns based on factors like duration, yield to maturity, credit quality and currency. Like all investments, the portfolio value can fluctuate with market movements.

For balances below HK$300k
If the value of your portfolio is lower than your capital at any given point in time, the shortfall will be made up to you by Chocolate (on both losses incurred on capital and returns) so you earn the 3.8% p.a. returns on your first HK$100k and 3.5% p.a. on your next HK$200k. This means, while the Qualifying Period is live, your capital sum for balances below HK$300k will be made up by the Chocolate Advantage Programme to the level of our Chocolate rate. Read more about the Chocolate Advantage Programme here or dive into the details for the terms and conditions.

For balances above HK$300k
The return may fluctuate because of market conditions. That means returns may be positive, neutral, or fall below 3.5% p.a. from time to time. Remember that we only make money after you make money, so we are very incentivised to achieve the returns. Past performance is not an indication of future performance.

Segregation of funds
All funds are held separately by third-party licensed custodians — meaning if anything happens to Chocolate Finance, your underlying funds remain protected. Please note that this does not apply to any amounts to be made-up by Chocolate Finance under the Chocolate Advantage Programme.

Risk disclosure: Any make-up difference under the Chocolate Advantage Programme is subject to the applicable terms and conditions and does not constitute a guarantee of investment returns or principal. For more details, please refer to the Chocolate Advantage Programme and Instant Withdrawal Programme terms and conditions.

👉 Read more about the Chocolate Advantage Programme
👉 Terms and conditions

Losing your phone can be a real pain! Call or WhatsApp us on +852 9298 0464 or email us at support.hk@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.

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 call us on +852 9298 0464.

Our customer services will be available from 9am - 6pm, Monday to Friday (except public holidays).

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 call us on +852 9298 0464 or email support.hk@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. SMS messages sent by Chocolate Finance will appear as “#ChocFin”, please pay attention to the sender ID for verification. Please report any potential 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 call us on +852 9298 0464 or email us at support.hk@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. We only charge management fees after you make money first. So naturally, it’s our number one priority to deliver on our Chocolate rates. No fees are charged until you achieve the stated returns. Only once the return has been achieved and the fund outperforms the 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 your first HK$100k and your 3.5% p.a. returns on any amount thereafter.

If you'd like to dive into the details 🤓, read away here.

The funds are chosen to maximise returns net of any underlying third-party fees.

Please refer to the fund documents in the App for detailed information on the underlying funds. These can be found on the 'My Account' page under the 'Fund Documents' section.

Your return is net of any underlying fund expenses. This means you will get the full 3.8% p.a. on your first HK$100k, 3.5% p.a. on your next HK$200k. Above that, we only charge management fees after your returns exceed 3.5% p.a.

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.

Good returns are like good friends! Life is better with them. So in addition to great returns, you can earn HK$50 when they successfully join.

To refer a friend, simply go to the “More with Chocolate” section on the app homepage and tap on “invite and get rewarded”. 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 HK$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 an SMS 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!

You’ll receive HK$50 reward once your friend signs up using your unique link, verifies their identity and adds money to their Chocolate account. 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.

If you have questions or concerns, reach out to our friendly customer service!