🍫 Chocolate Finance Referral Link – Get S$15 FREE! 🍫

💰 Sign up with my referral link, top up S$1,000 and hold it for 30 days. You get S$15, and so does your referrer! 🎉

👉 Referral link: https://share.chocolate.app/nxW9/6lr2s7s0

📊 Quick Summary

🎁 Sign-up bonus: S$15 for you + S$15 for your referrer
✅ Requirement: Reach S$1,000 balance and keep it there for 30 continuous days
🇸🇬 SGD returns: 2% p.a. on first S$20k, 1.8% p.a. on next S$80k
🇺🇸 USD returns: 4.1% p.a. on first US$20k, 3.8% p.a. on next US$80k
🛡️ Top-Up Programme: Supports rates on first S$100k / US$100k until 31 Dec 2026 (or S$2B AUM)
🔗 Promo code: None. Link only!
🪪 Eligibility: Singapore residents with Singpass MyInfo

🏦 What Is Chocolate Finance?

📌 A cash management account by Chocfin Pte Ltd, licensed by MAS (CMS101452)
📌 NOT a bank. Your money goes into short-duration fixed income and money market funds
📌 Funds are held separately by HSBC, State Street, BNP Paribas and Citibank 🔒
📌 Founded by Walter de Oude, who also founded Singlife
📌 150,000+ users and around S$1.5B AUM (Aug 2026) 📈

✨ Daily compounded returns
✨ No lock-ins, no minimum balance, no fees
✨ Free Visa debit card with NO FX markup 💳🌏

📝 How to Sign Up (Step-by-Step)

1️⃣ Tap my link: https://share.chocolate.app/nxW9/6lr2s7s0 (no code needed)
2️⃣ Download the Chocolate Finance app 📲
3️⃣ Verify via Singpass MyInfo ⚡
4️⃣ Top up at least S$1,000 via PayNow / FAST / eGIRO from your own bank account 💸
5️⃣ Leave it for 30 days. Don’t let your balance drop below S$1,000! ⏳
6️⃣ Collect your S$15 🎉

⚠️ Terms to Know

🚫 Singapore residents only. US persons and residents of Iran, North Korea, Russia and Myanmar are not accepted
👤 One account per person
💳 Card spending reduces your balance and counts against the S$1,000 rule!
🏛️ NOT SDIC-insured and NOT capital-guaranteed
📉 Rates can change. SGD returns went from 4.2% (2024) to 3% (2025) to 2% now
📜 Check the Referral Terms in the app’s Refer & Earn page

🤔 Is It Worth It?

👍 S$15 for holding S$1,000 for a month is roughly a 1.5% one-month bonus on top of 2% p.a.!
💵 S$20k at 2% p.a. ≈ S$33/month
💵 S$100k across the tiers ≈ S$1,800/year
🇺🇸 USD account pays 4.1% p.a. Note the FX guarantee fee (~0.25% on weekdays, ~0.50% on weekends) and the currency risk

✅ Good for: idle cash, no lock-in fans, travellers 🧳
❌ Skip if: you need SDIC protection, can’t park S$1,000 for 30 days, or need same-day access to large sums

🔥 October 2026 USD Booster 🔥

📅 From 1 to 31 Oct 2026, get an extra 1% p.a. on new USD
🆕 New users start at US$0, so all your USD counts!
🚀 Up to 5.1% p.a. on new USD in your first US$20k
💱 SGD → USD conversions count
💰 Credited 7–10 business days after 31 Oct

💳 Chocolate Visa Card & HeyMax Miles ✈️

🌏 No FX markup overseas (Visa rate only)
📱 Works with Apple Pay / Google Wallet / Samsung Wallet
🔢 Limits: S$1,000 per transaction, S$20k per day. No ATM withdrawals

✈️ HeyMax miles need an average daily SGD balance of S$5,000+ in the previous month:
⭐ 1 mile per S$1 on the first S$2,000 per month, then 0.4 mile per S$1
🧾 Bill payments capped at 300 miles per month
🔄 Miles for Returns lets you convert last month’s returns into miles

💡 Pro Tips

✅ Top up S$1,100 or more as a buffer if you’ll use the card in the first 30 days
✅ Your first top-up from your own bank account sets up your withdrawal account automatically (PayLah doesn’t count)
✅ Keep S$185+ to see daily returns
✅ Top-Up Programme stops at S$100k. For bigger sums, compare T-bills, SSBs or FDs
✅ Already have USD? Transfer it in directly to skip the FX fee

❓ FAQ

⏰ When do I get the S$15?
➡️ After your balance stays at S$1,000 or more for 30 continuous days. Both of you get credited.

👯 Do both me and my friend get S$15?
➡️ Yes! S$15 each 🎉

🙅 Can existing users use a referral link?
➡️ No. It’s for new users only, one account per person.

💵 Is there a minimum deposit?
➡️ No minimum to open an account. You need S$1,000 held for 30 days to qualify for the bonus.

📉 What if my balance dips below S$1,000?
➡️ The referral no longer qualifies. No S$15 for either of you 😢

🔒 Is Chocolate Finance safe?
➡️ It’s MAS-licensed and funds are segregated with major custodians. It’s not SDIC-insured and not capital-guaranteed.

🏧 How long do withdrawals take?
➡️ Up to 3 business days, though most arrive the same day. It can take up to 7 business days if you recently added money or converted currency. No withdrawal fees for SGD.

🏷️ Is there a promo code?
➡️ No. Referral links only!

💸 Can I withdraw the S$15?
➡️ Yes, anytime and with no fees.

🍫 Ready to Sign Up? 🍫

👉 https://share.chocolate.app/nxW9/6lr2s7s0

📲 Download the app → verify with Singpass → top up S$1,000 → hold it for 30 days → get your S$15! 🎉

📖 Full guide: https://www.sgreferralcodes.com/chocolate-finan...

⚠️ Not financial advice. Chocolate Finance is an investment product, not SDIC-insured. Rates and terms may change, so check the app for the latest details.