Chocolate Finance Referral Link: Is S$15 for S$1,000 Worth It?

Quick maths first, because that's what sold me on looking at it: S$15 for keeping S$1,000 parked for 30 days works out to roughly 1.5% for one month, on top of the normal returns. For a no-lock-in cash product that's a decent nudge.

👉 Invite link (there's no code, the link does the tracking): https://share.chocolate.app/nxW9/su3w13ht

How to get the S$15

1. Open the invite link and download the app from it. Installing straight from the store means the S$15 isn't tracked.
2. Sign up and verify with Singpass MyInfo.
3. Top up at least S$1,000 (one transfer or several added together) via FAST, PayNow QR or eGIRO.
4. Keep at least S$1,000 in for 30 continuous days.
5. The S$15 lands in your Chocolate SGD account once the 30 days are up.

What the money earns meanwhile (October 2026 rates)

• SGD: 3.00% p.a. on the first S$20,000, 2.70% on the next S$30,000
• USD: 4.30% p.a. base on the first US$20,000
• October USD Booster: extra 1% p.a. on new USD added from 1–31 Oct 2026, so up to 5.3% p.a. effective. New users start at US$0, so all USD you add counts. No opt-in.

The honest caveats

• This is an investment product, not a bank deposit. Not covered by SDIC, capital not guaranteed.
• Rates are supported by Chocolate's Top-Up Programme and can change.
• Withdrawals take up to 3 business days.
• Dip below S$1,000 during the 30 days and the reward may not be paid.

I'd read the rate table on DLCuration's Chocolate page before deciding; it's laid out more clearly than the app: https://dlcuration.com/chocolate-finance-referr...

Not financial advice. Fine for spare cash you won't touch for a month, not for your emergency fund.