We turned one! 🥳
and we’re feeling all kinds of grateful our #chocfam and your incredible support. 
As a small celebration, we’re doubling referral rewards from 22nd July to 31st August 2025, get $10 for every successful referral  - double the usual S$5 reward!
#chocfam stories
For new customers: 1 Nov to 31 Dec 2026

New to Chocolate? Enjoy a welcome reward on us!

So happy you found us. Now let’s make your money happy too!

Sign up for Chocolate Finance, add money to your account and enjoy a welcome reward of up to S$60. The more you add, the bigger your reward. Are you smiling yet? View terms and conditions.
Download the Chocolate app
S$60
et a welcome reward of up to S$60. Get a welcome reward of up to S$60. G

More money in.
More rewards for you.

01:
Sign up for Chocolate Finance
Download the Chocolate app and sign up in minutes with Singpass. The welcome reward is for anyone new to Chocolate, including customers who haven’t added money yet.
02:
Add money by 31 December 2026
Your money deserves a happy start. Whether you’re starting with S$1,000 or have a little more to put to work, there’s a welcome reward waiting for you.  Make your first top-up to your SGD balance by 31 December 2026. You then have 3 days to add as much as you like.
03:
Keep your balance for 30 days
Keep it in for the 30 days after your top-up window closes, and you could qualify for a welcome reward of up to S$60. The more you add, the bigger your reward.”
When you add Your welcome reward
S$1,000 to S$4,999.99 S$5
S$5,000 to S$19,999.99 S$15
S$20,000 to S$49,999.99 S$20
S$50,000 to S$79,999.99 S$40
S$80,000 and above S$60
Your tier is based on your lowest end-of-day SGD balance during your 30-day holding period.
Your S$15 referral reward is already included.
These amounts include your S$15 referral reward, which will be paid directly in the app. The rest of your welcome reward follows 7 to 10 days after your holding period ends.
When you add Your total welcome reward S$15 referral reward included
S$1,000 to S$4,999.99 S$15
S$5,000 to S$19,999.99 S$20
S$20,000 to S$49,999.99 S$25
S$50,000 to S$79,999.99 S$45
S$80,000 and above S$65
Your tier is based on your lowest end-of-day SGD balance during your 30-day holding period.
Download the Chocolate app
Keep your balance for 30 days and 
watch your welcome reward roll in
You have 3 days from your first top-up to add money to your SGD balance. Keep it there for the next 30 days, and your welcome reward will be credited to your account 7 to 10 days later. Got questions check out our FAQS.

Download the Chocolate app now. Sign up in minutes. Go on then.

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In just two years, our Chocolate family has enjoyed

Over S$59.2 million in happy returns!

Not bad for doing almost nothing. That's a lot of happy people. Could've been more if you'd signed up sooner. Just saying.

Join the Choc fam
Sign-ups & counting
160K+
Rated 4.7 on the App Store & Play Store
3000+
The stated S$59.2 million return is the total returns across all funds and currencies by customers from January 2024 to September 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.
Ru
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.
Ru
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
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.
Ru
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
The stated S$59.2 million return is the total returns across all funds and currencies by customers from January 2024 to September 2026.
Got questions? We saw that coming.

Download the app and sign up now.

It only takes a few minutes.

Download the app and sign up
Verify your identity using Singpass
Top up to enjoy happy returns
Scan to download
Photo of Chocolate Finance's App in a mobile phone where customers can see their daily returns on their savings.
3% p.a. return
On your first S$20k.
2.7% p.a. return
On your next S$80k.
Up to 2.7% p.a.
On amounts thereafter.
Full-on security
Security is our top priority.
The link to download the app is on its way to you.
Check your SMS inbox and sign up now!
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