Chocolate Finance Downloads & RevenueChocolate Finance · App Store

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
- Up to 3.5% p.a. thereafter

United Arab Emirates (AED and USD)
- 4.6% p.a. on your first AED 100k and US$25k, and up to 4.6% p.a. on any amount above that.
- Same rate for everyone. No salary transfer, no tiers, nothing to qualify for.
- Hold AED, US$ or both, and switch between them in the app.

⍟ Our promise

- Singapore: From now until 30 June 2027, if we don't achieve the above returns on your first S$150k and US$150k, we'll make up the difference – does it get any better than that?
- Hong Kong: From now until 30 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 any time. Up to HK$50k per day: instant. Above HK$50k per day: usually 3 business days.
- United Arab Emirates: Withdraw any time. Start with any amount – no minimum, no maximum.

⍟ Fees

- Singapore and Hong Kong: No fees. We only make money when you make money. It's our number one 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 (BSF252)
- United Arab Emirates: The Capital Market Authority (20200000382, 20200000381). Your funds are held in a segregated custody account with a licensed financial institution.

⍟ 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