Chocolate Finance

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 - 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. United Arab Emirates (AED and USD) - 4.4% p.a. on your first AED 100k and US$25k, and up to 4.4% p.a. on any amount above that. - Hold AED, US$ or both, and switch between them in the app. Our promise Singapore: From now till 30th June 2027, 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? Hong Kong: From now till 30th 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 anytime. Up to HK$50k per day: instant. Above HK$50k per day: usually 3 business days. United Arab Emirates: Withdraw any time, with no lock-ins. Fees Singapore and Hong Kong: No fees. We only make money when you make money. So naturally it's our number 1 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 of Hong Kong (BSF252) United Arab Emirates: The Capital Market Authority (20200000382, 20200000381) 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 [email protected] (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 Chocolate Advantage Programme, 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. Licensed and regulated by the Capital Market Authority. Full disclosures: chocolatefinance.com/ae-en For more information, visit chocolatefinance.com. Privacy policy, terms and conditions are available in the app.