Chocolate Finance

Chocolate Finance Savings Account Review 2025

Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed by the Monetary Authority of Singapore (CMS101452) to perform fund management activities.

All investments involve risk. The 3.6% p.a. return is subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital.

Terms and conditions apply.

Chocolate Finance Exclusive: Enjoy 3.6% p.a. on your first S$20,000, 3.2% p.a. on the next S$30,000, and a target 3.2% on any amount above that. 

• No complex criteria. Just put your money in and start seeing daily returns on your first S$50,000 the very next day. 
• No lock-ins.
• No minimums, no maximums.
• Take your money out anytime. No restrictions. No penalties.  If we don't make the target 3.6% p.a. return for your first S$20,000, or 3.2% for the next $30k the difference will be topped up during the Qualifying Period.

Account Features & Details

1) Key Features

Chocolate Finance is a new place for your spare cash:

• Enjoy 3.6% p.a. return on your first S$20,000 and 3.2% p.a. on the next S$30,000, and a target 3.2% on any amount above that. 
• Daily returns – see your returns every, single, day!
• No lock-ins – add and withdraw as you please!
• No hoops – because complex criteria is so yesterday.
• No fees – Chocolate takes zero fees until you get the target return. We only make money once you’ve made money.
• What's more, If we don't make the target 3.6% p.a. return for your first S$20,000, or 3.2% for the next $30k the difference will be topped up during the Qualifying Period.

2) Fees and Charges

There are no monthly charges or subscriptions for using Chocolate Finance. We only make money after you make money. So naturally, it’s our number one priority to make the returns we’ve targeted for you. No fees are charged until you achieve the returns we target.

Only once the target return has been achieved and the fund outperforms the target, we will take a fee of between 0-2%, depending on how much the portfolio outperforms (we've got to make our money somewhere ). We will never take any money from your 3.6% p.a. returns on your first S$20,000 or amounts thereafter for performance below 3.2% p.a.

3) Eligibility

• Age: 18 years old and above
• Singapore Residents
• Minimum initial deposit: S$0
• Minimum average daily balance: S$0

Product Page Transparency

• Claimed in August 2024