# Chocolate Finance — Make life richer > High-yield savings and spending account with daily returns and no fees. (iPhone/iPad app by Chocolate Pte. Ltd..) - Source: https://appshunter.io/ios/app/chocolate-finance/id1614234026 (this page in markdown: same URL + `.md`) - Developer: [Chocolate Pte. Ltd.](https://appshunter.io/developer/1614234028) - Category: Finance, Lifestyle - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 15.0 · 126 MB - Languages: American English - Released: 2026-09-21 - Data updated: 2026-10-11 - Monetization: free ## What is Chocolate Finance? Chocolate Finance Happy money, happy you. Say hello to a new place for your spare cash. Enjoy happy returns, daily - with no lock-ins, no fees, and no hoops or complex criteria. See your returns in the app every single day. Available in Singapore and Hong Kong. Singapore Earn daily returns on your SGD and USD SGD - 2% p.a. on your first S$20k - 1.8% p.a. on your next S$80k - Up to 1.8% p.a. thereafter USD - 4.1% p.a. on your first US$20k - 3.8% p.a. on your next US$80k - Up to 3.8% p.a. thereafter From now until 31 December 2026, if we don’t achieve the above returns on your first S$100k and US$100k, we’ll make up the difference - does it get any better than that? Verification via Singpass MyInfo is required. Hong Kong Earn daily returns on your HKD - 3.8% p.a. on your first HK$100k - 3.5% p.a. on your next HK$200k - Any amount above HK$300k, we only make money after your returns exceed 3.5% p.a. - so naturally, that's exactly what we're working towards. Withdraw anytime: - Up to HK$50k per day: instant - Above HK$50k per day: usually 3 business days From now until 31 December 2026, if we don’t achieve the above returns on your first HK$300k, we’ll make up the difference - are you smiling yet? Verification via iAM Smart or HKID is required. What to expect - happy money! No lock-ins Withdraw when you need it - no penalties. See returns daily See your returns roll in like clockwork in the app, every single day. No fees We only make money when you make money. So naturally it's our number 1 priority. Easy sign up and user experience Secure digital verification and a simple onboarding flow Spend smarter with the Chocolate Visa Card (Singapore only) - Enjoy zero FX fees on all overseas spend. - Earn Max Miles on everyday spend, including bill payments - Miles Multiplier: higher average balances earn more miles per dollar spent Security and trust Security is our top priority. We’re licensed and regulated by: - The Monetary Authority of Singapore (CMS101452) - The Securities and Futures Commission of Hong Kong (BSF252) Get in touch Singapore: WhatsApp in-app or +65 9479 7979 (Mon–Sat, 9am–8pm) Hong Kong: WhatsApp in-app or +852 9298 0464 (Mon–Fri, 9am–6pm) Licences and disclosures Chocolate Finance returns are currently supported by a promotional Chocolate Advantage Programme, valid during the qualifying period and subject to terms and conditions. This does not constitute a guarantee of return or capital. Past performance is not indicative of future results. All investments involve risk, including the risk of loss. Singapore: Chocolate Finance is a brand of Chocfin Pte Ltd and is regulated by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore. Hong Kong: Chocolate Finance is a brand of Chocolate Finance HK Limited and is regulated by the Securities and Futures Commission. This advertisement has not been reviewed by the Securities and Futures Commission. For more information, visit chocolatefinance.com. Privacy policy, terms and conditions are available in the app. ## Key features - Daily returns on savings - No lock-ins or fees - Competitive interest rates - Secure digital verification - Zero FX fees on overseas spend (Singapore) - Max Miles rewards (Singapore) ## Is Chocolate Finance safe? Not enough ratings yet to assess Chocolate Finance. ## Is Chocolate Finance legit? Chocolate Finance has limited verification signals. The AppsHunter Legitimacy Score for Chocolate Finance is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Frequently asked questions about Chocolate Finance ### 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. ## Version history (last 5 releases) ### 0.0.301 — 2026-10-08 Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today! ### 0.0.299 — 2026-10-05 Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today! ### 0.0.298 — 2026-10-02 Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today! ### 0.0.297 — 2026-09-22 Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today! ### 0.0.296 — 2026-09-17 Enjoy a smoother, more reliable experience with performance enhancements and bug fixes—update Chocolate Finance to the latest version today! ## Apps similar to Chocolate Finance | App | Rating | Price | Category | | --- | --- | --- | --- | | [Endowus](https://appshunter.io/ios/app/endowus/id1531067679) | 4.6 (22) | Free | Finance | | [Syfe: Invest, Trade and Save](https://appshunter.io/ios/app/syfe-invest-trade-and-save/id1497156434) | 4.2 (9) | Free | Finance | | [Maybank2u SG](https://appshunter.io/ios/app/maybank2u-sg/id1574139300) | 1.5 (8) | Free | Finance | | [Trust Bank SG](https://appshunter.io/ios/app/trust-bank-sg/id1598460384) | 4.7 (261) | Free | Finance | | [AIA+ Singapore](https://appshunter.io/ios/app/aia-plus-singapore/id1394337344) | 4.2 (200) | Free | Finance | | [DCS Cards](https://appshunter.io/ios/app/dcs-cards/id1631104366) | 3.0 (8) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-11.*