Chocolate Finance (Singapore) Reviews
Read more about Chocolate Finance
What is Chocolate Finance?
Chocolate Finance is a new place for your spare cash where you can see your returns every single day. No lock-ins, no complex criteria or hoops to jump through. What's more, we take no fees and make no money until we deliver the target return.
This is how Chocolate Finance makes your money grow
❖ We invest in bonds globally
Leaving no stone unturned, we seek out, thoroughly test, and select a diversified portfolio of high-performing, short-term investment grade bond...
What is Chocolate Finance?
Chocolate Finance is a new place for your spare cash where you can see your returns every single day. No lock-ins, no complex criteria or hoops to jump through. What's more, we take no fees and make no money until we deliver the target return.
This is how Chocolate Finance makes your money grow
❖ We invest in bonds globally
Leaving no stone unturned, we seek out, thoroughly test, and select a diversified portfolio of high-performing, short-term investment grade bond funds, spanning across developed and emerging markets. Managing volatility using safe and real assets is key.
❖ Managing duration for increased returns
We’re not limited to money-market, overnight or bank-like assets for our Chocolate Managed Account, which means we have more ways to generate returns. Adding duration to our portfolio and focusing on yield to maturity mean we can generally keep our target returns stable for longer. We continually strive to find the perfect balance between happy returns, low volatility and enhanced liquidity.
❖ We put our money where our mouth is
We only make money when you make money. So naturally, it’s our number one priority to make the returns we’ve targeted for you.
Better still, if we don't make the returns for your first S$50k (2% p.a. on your first S$20k and 1.8% p.a. on your next S$30k), the difference will be topped up during the qualifying period. Who else does this? Nobody.
How to open a Chocolate Finance account
Step 1: Download the Chocolate Finance app from the App Store or Google Play.
Step 2: Sign up and verify your identity using Singpass MyInfo.
Step 3: Once verified, add money to your account using a bank FAST transfer or Paynow QR.
And voila! See your returns daily in the app.
*General Risk Warning:
The financial services provided by this product may carry a level of risk. Before trading in the complex financial products offered, please ensure to understand the risks involved.
Read full description
Newest Investment Platform
Newest Investment Platform
I started using Chocolate Finance since July 2024 when the waitlist opened up for sign up. I check my daily returns twice a week, but I add money once a month.
Most useful about Chocolate Finance is good competitive returns credited daily and easy to use. All good so far and enjoying my experience with them. I have yet to pass by any features that i dislike about Chocolate Finance.
Yes I'll recommend! Have already used my referral code with family and friends.
Date of this experience: 2025-09-21”
Great Place for spare cash in Singapore
Great Place for spare cash in Singapore
I started using Chocolate Finance since July 2024 when the waitlist opened up for sign up. I check my daily returns twice a week, but I add money once a month.
Most useful about Chocolate Finance is good competitive returns credited daily and easy to use. All good so far and enjoying my experience with them.
Yes I'll recommend! Have already used my referral code with family and friends.
Date of this experience: 2025-05-26”
Probably the easiest way to earn passive income
Probably the easiest way to earn passive income
I started using Chocolate Finance in September 2024, and have been putting my idle fund there to earn some passive income till date.
Chocolate Finance is helping me to earn interest daily and initially I login daily to check if it's working fine. It has been very consistent so nowadays I login to the app every few days just to see how much total interest I have earned accumulatively.
Most useful about Chocolate Finance is that it is super easy to use and being consistent in delivering the daily interest. The withdrawal of the fund is also almost instant by transferring the amount to my local POSB bank account. There is nothing as simple and as liquid as this investment!
There is nothing that I dislike about Chocolate Finance, and it would be excellent if it allows a higher investment amount for its high interest rate threshold. Hehe
I have already recommended friends and family members who has idle funds to invest with Chocolate Finance to earn high interest returns, it is definitely better than putting the money in a traditional saving account. If you have some idle fund sitting around somewhere, Chocolate Finance is definitely worth considering.
Date of this experience: 2024-10-25”