Chocolate Finance Referral Link Nov 2026: Up to S$65 Welcome Reward

Chocolate's sign-up reward changed on 1 Nov. It's no longer a flat amount: you can now get S$15 to S$65, depending on how much you add in your first 3 days and keep in for 30.

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👉 Chocolate Finance invite link: https://share.chocolate.app/nxW9/su3w13ht There's nothing to type. The link applies the referral.

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Disclosure: this is DLCuration's invite link, and I receive compensation from Chocolate if you sign up through it and meet the conditions. Rewards are subject to Chocolate's Welcome Rewards terms and Referral Terms, and they're not guaranteed.

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What you get with the link

The total depends on your lowest end-of-day SGD balance from day 4 to day 33:

1. S$1,000 to S$4,999.99: S$15 (S$5 without a referral)
2. S$5,000 to S$19,999.99: S$20 (S$15 without)
3. S$20,000 to S$49,999.99: S$25 (S$20 without)
4. S$50,000 to S$79,999.99: S$45 (S$40 without)
5. S$80,000 and above: S$65 (S$60 without)

These are totals. They already include the S$15 referral reward, so nothing is paid on top.

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How to claim

1. Open the invite link and download the app from the store page it takes you to
2. Sign up and verify with Singpass
3. Top up your SGD balance by FAST, PayNow QR or eGIRO, from a bank account in your own name. Your first top-up must be credited by 31 Dec 2026. That day is day 1, and you can keep adding until the end of day 3
4. Have at least S$1,000 in by day 3 and keep it there for 30 days in a row
5. The S$15 is credited within 7 days after those 30 days end. Anything above S$15 follows 7 to 10 days after day 33

Chocolate's own example: a first top-up of S$20,000 credited on 5 Nov and left in gives S$25 in total, with S$15 by 11 Dec and S$10 between 14 and 17 Dec.

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What can cost you the reward

• ⚠️ Signing up without the link. It can't be added after sign-up
• ⚠️ Sending your first top-up on 31 Dec. It counts when it's credited, not when you send it
• ⚠️ Withdrawing during the holding period. This lowers your tier, and putting the money back doesn't restore it
• ⚠️ Dropping below S$1,000. Your top-ups less withdrawals must stay at S$1,000 or more, and withdrawing your returns counts too. If they fall below, the S$15 test fails and doesn't restart
• ⚠️ Adding money after day 3. It can't raise your tier
• ⚠️ Using USD. Only SGD top-ups count

Who can't get it

• Anyone who has ever added money to a Chocolate account. An account that was opened but never funded can still qualify
• Under-18s and Chocolate for Business accounts
• Anyone who has already had a Welcome Reward: it's one per person

I checked these numbers against Chocolate's terms, and the full conditions are on DLCuration's Chocolate Finance referral page: https://dlcuration.com/chocolate-finance-referr...

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Before you put money in

Chocolate's published rates as of 1 Nov 2026 are 2.2% p.a. on the first S$20,000 and 1.9% p.a. on the next S$130,000 in SGD. In USD, they're 4.2% p.a. on the first US$20,000 and 4% p.a. on the next US$130,000. They're supported by Chocolate's Top-Up Programme until 30 Jun 2027 or until assets under management reach S$2.5 billion, whichever comes first. Rates can change and aren't guaranteed.

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Chocolate is a MAS-licensed fund manager, not a bank. It's an investment product, so capital is at risk, and it isn't covered by SDIC. There's no lock-in, but withdrawals take up to 3 business days.

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The Welcome Reward is a one-time promotional reward, not a return on your money.

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Not financial advice, just the terms laid out in one place.