Chocolate Finance

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 investments involve risk, including the risk of loss. - Singapore and Hong Kong: Chocolate Finance returns are currently supported by a promotional programme (Chocolate Top-Up Programme in Singapore, Chocolate Advantage Programme in Hong Kong), valid during the qualifying period and subject to terms and conditions. This does not constitute a guarantee of return or capital. - Singapore: Chocolate Finance is a brand of Chocfin Pte Ltd and is regulated by the Monetary Authority of Singapore. This advertisement has not been reviewed by the Monetary Authority of Singapore. - Hong Kong: Chocolate Finance is a brand of Chocolate Finance HK Limited and is regulated by the Securities and Futures Commission. This advertisement has not been reviewed by the Securities and Futures Commission. - United Arab Emirates: Capital at risk. T&Cs apply. Full disclosures: chocolatefinance.com/ae-en For more information, visit chocolatefinance.com. T&Cs and privacy policy are in the app.