Chocolate Finance

Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash.

Chocolate Finance is a new place for your spare cash! 🌟 Enjoy 2% p.a. return on your first S$20k, 1.8% p.a. on your next S$30k and up to 1.8% p.a. on any amount thereafter. (Correct at 16th Jan 2026)

1. Daily returns: See your returns every single day.
2. No lock-ins, withdraw anytime.
3. No complex criteria or hoops to jump through.
4. What's more, we take no fees and make no money until we deliver your returns.

The best part? Returns on your first S$50k are supported by the , which means if we don't meet the returns we’re working towards during the Qualifying Period, we'll top up the difference. Smiling yet? 😊

Chocolate Visa debit Card: Every Chocolate Finance account comes with a free Visa debit card, with probably the best FX rates in town. Because making life richer starts with spending smarter!

Boost your savings with USD: Enjoy higher returns with the Chocolate USD Account – 4.1% p.a. on your first US$20k, 3.8% p.a. on your next US$30k, and up to 3.8% p.a. on balances above US$50k. All the same benefits as SGD, just in USD.

Start making life richer today!

Terms and Condtions apply.