Chocolate Finance
Make life richer
About
This app offers a place to grow your spare cash with daily returns and no lock-ins. It provides transparent interest rates across different currencies and regions, with easy sign-up and secure fund management. A linked Visa card is available in Singapore for smarter spending.
What's New in Chocolate Finance
0.0.311
November 3, 2026
Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today!
FAQ
What are the interest rates for Chocolate Finance in Singapore?
In Singapore, Chocolate Finance offers 2.2% p.a. on your first S$20k, 1.9% p.a. on the next S$130k, and up to 1.9% p.a. thereafter for SGD. For USD, it's 4.2% p.a. on the first US$20k, 4.0% p.a. on the next US$130k, and up to 4.0% p.a. thereafter.
Can I withdraw my money from Chocolate Finance at any time?
Yes, there are no lock-ins. In Singapore, withdrawals are penalty-free. In Hong Kong, daily withdrawals up to HK$50k are instant, while larger amounts usually take 3 business days. In the UAE, you can withdraw any amount at any time.
Does Chocolate Finance have any fees?
Chocolate Finance has no fees in Singapore and Hong Kong, stating they only make money when you do. In the United Arab Emirates, there are no hidden fees or monthly subscription fees.
How secure is Chocolate Finance?
Security is a top priority. The app is licensed and regulated by the Monetary Authority of Singapore (CMS101452), the Securities and Futures Commission in Hong Kong (BSF252), and the Capital Market Authority in the UAE. Funds are held in segregated custody accounts.
What is the Chocolate Visa Card and where is it available?
The Chocolate Visa Card is available only in Singapore. It allows for zero FX fees on overseas spend and enables users to earn Max Miles on everyday purchases, with a Miles Multiplier for higher average balances.
How do I sign up for Chocolate Finance?
Sign-up is easy with secure digital verification. In Singapore, verification is via Singpass Myinfo. In Hong Kong, it's via iAM Smart or HKID. In the UAE, you can sign up in minutes in English or Arabic.
What is the update frequency for Chocolate Finance?
The app was last updated on November 3, 2026, indicating active development and regular updates to improve features and security.
What devices does Chocolate Finance support?
Chocolate Finance is available on iPhone and iPod devices, as indicated by the supported devices list.
