Chocolate Finance vs TripSpend

Happy money, happy you. Say hello to a new place for your spare cash. Enjoy happy returns, daily – with no lock-ins and no hoops or complex criteria. See your returns in the app every single day. Available in Singapore, Hong Kong and the United Arab Emirates. ⍟ Earn daily returns Singapore (SGD and USD) SGD - 2.2% p.a. on your first S$20k - 1.9% p.a. on your next S$130k - Up to 1.9% p.a. thereafter USD - 4.2% p.a. on your first US$20k - 4.0% p.a. on your next US$130k - Up to 4.0% p.a. thereafter Hong Kong (HKD) - 3.8% p.a. on your first HK$100k - 3.5% p.a. on your next HK$200k - Up to 3.5% p.a. thereafter United Arab Emirates (AED and USD) - 4.6% p.a. on your first AED 100k and US$25k, and up to 4.6% p.a. on any amount above that. - Same rate for everyone. No salary transfer, no tiers, nothing to qualify for. - Hold AED, US$ or both, and switch between them in the app. ⍟ Our promise - Singapore: From now until 30 June 2027, if we don't achieve the above returns on your first S$150k and US$150k, we'll make up the difference – does it get any better than that? - Hong Kong: From now until 30 June 2027, if we don't achieve the above returns on your first HK$300k, we'll make up the difference – are you smiling yet? - United Arab Emirates: Returns are not guaranteed and may vary. ⍟ No lock-ins - Singapore: Withdraw when you need it – no penalties. - Hong Kong: Withdraw any time. Up to HK$50k per day: instant. Above HK$50k per day: usually 3 business days. - United Arab Emirates: Withdraw any time. Start with any amount – no minimum, no maximum. ⍟ Fees - Singapore and Hong Kong: No fees. We only make money when you make money. It's our number one priority. - United Arab Emirates: No hidden fees and no monthly subscription fees. ⍟ Easy sign-up and user experience Secure digital verification and a simple onboarding flow. - Singapore: Verification via Singpass Myinfo is required. - Hong Kong: Verification via iAM Smart or HKID is required. - United Arab Emirates: Sign up in minutes, in English or Arabic. ⍟ 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: - Singapore: The Monetary Authority of Singapore (CMS101452) - Hong Kong: The Securities and Futures Commission (BSF252) - United Arab Emirates: The Capital Market Authority (20200000382, 20200000381). Your funds are held in a segregated custody account with a licensed financial institution. ⍟ 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) - United Arab Emirates: WhatsApp in-app or support.ae@chocolatefinance.com (Mon–Fri, 9am–5pm GST) ⍟ Licences and disclosures Past performance is not indicative of future results. All investments involve risk, including the risk of loss. - Singapore and Hong Kong: Chocolate Finance returns are currently supported by a promotional programme (Chocolate Top-Up Programme in Singapore, Chocolate Advantage Programme in Hong Kong), valid during the qualifying period and subject to terms and conditions. This does not constitute a guarantee of return or capital. - 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. - United Arab Emirates: Capital at risk. T&Cs apply. Full disclosures: chocolatefinance.com/ae-en For more information, visit chocolatefinance.com. T&Cs and privacy policy are in the app.

TripSpend is a simple expense notebook for your trips. Create a trip, write down what you spend, and see right away how much you've paid and how much of your budget is left. No spreadsheets, no adding things up in the evening. What you'll find in the app: • Trips and budgets – every trip has its own budget, currency and day-by-day overview • Multiple currencies – expenses in a foreign currency are converted automatically at the current rate • Quick entry – amount, category and a note in a few seconds, even offline • Card payments, automatically – with Shortcuts, an Apple Pay payment saves itself, or you get a confirmation in a notification • Bank import – upload a CSV from Revolut and pick what to add • Statistics – where the money goes, the daily average and a category comparison • Sharing – shared trips with friends or family • Home screen widgets – your budget at a glance, without opening the app • English and Czech, light and dark mode TripSpend is free and ad-free. All you need is an account and you're ready to go. Questions or ideas? Write to info@tripspend.cz – we read every message.