How we make your money work harder.

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!

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.

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?

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.

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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.

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.

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.

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).

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.

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.

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