Chocolate Finance

Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k, and a target 2.7% p.a. on any amount thereafter. No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. 😎 What’s more? If we don't make the target returns for your first S$50k, the difference will be topped up during the Qualifying Period. Does it get any better than that? Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analysing factors like duration, yield, credit quality, and currency. It only takes a few minutes to get started - download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!