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.
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.”
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.
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.
Download now


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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.
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.
Answers here.
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
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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.

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