Chocolate Finance
Make life richer
About
Earn daily returns on your spare cash with no lock-ins or fees. This app offers competitive interest rates on SGD, USD, and HKD, with easy sign-up and secure verification. A linked Visa card is available for Singapore users to spend smarter with zero FX fees.
What's New in Chocolate Finance
0.0.301
October 8, 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, you can earn 2% p.a. on your first S$20k, 1.8% p.a. on the next S$80k, and up to 1.8% p.a. thereafter on SGD. For USD, the rates are 4.1% p.a. on the first US$20k, 3.8% p.a. on the next US$80k, and up to 3.8% p.a. thereafter.
What are the interest rates for Chocolate Finance in Hong Kong?
In Hong Kong, you can earn 3.8% p.a. on your first HK$100k, 3.5% p.a. on the next HK$200k, and for any amount above HK$300k, the app aims for returns exceeding 3.5% p.a.
Can I withdraw money from Chocolate Finance anytime?
Yes, there are no lock-ins. Withdrawals up to HK$50k per day in Hong Kong are instant. Larger withdrawals usually take 3 business days. In Singapore, withdrawal details are not specified but the app emphasizes no penalties.
Does Chocolate Finance have any fees?
No, Chocolate Finance states there are no fees. They mention they only make money when you make money, making your returns their priority.
How secure is Chocolate Finance?
Security is a top priority. The app is licensed and regulated by the Monetary Authority of Singapore (CMS101452) and the Securities and Futures Commission of Hong Kong (BSF252).
What is the Chocolate Visa Card and where is it available?
The Chocolate Visa Card is available in Singapore only. It offers zero FX fees on overseas spend, allows you to earn Max Miles on everyday purchases, and features a Miles Multiplier for higher balances.
How often are returns updated in Chocolate Finance?
You can see your returns in the app every single day. The app highlights that returns roll in like clockwork daily.
What verification methods are used by Chocolate Finance?
In Singapore, verification is done via Singpass MyInfo. In Hong Kong, you can use iAM Smart or HKID for verification, ensuring a secure digital onboarding process.
