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About Chocolate Finance
https://www.chocolatefinance.com/About Chocolate Finance
Founded by Walter de Oude, the founder of Singapore Life (Singlife), Chocolate Finance is a happy place for your spare cash where you can enjoy 3% p.a. on your first S$20k, 2.7% p.a. on your next S$30k, and a target 2.7% p.a. on any amount thereafter.
No lock-in periods. No hoops or complex criteria. No minimum or maximum balance requirements. See your returns in the app every, single, day. Withdraw anytime. 😎
What’s more? If we don’t make the target returns for your first S$50k, the difference will be topped up during the Qualifying Period. Does it get any better than that?
Chocolate Finance is a brand under Chocfin Pte Ltd, regulated by the Monetary Authority of Singapore (CMS101452) with a Capital Market Services license. We invest in a carefully selected portfolio of fixed-income funds, optimising risk-adjusted returns by analysing factors like duration, yield, credit quality, and currency.
It only takes a few minutes to get started – download the app, sign up with your mobile OTP, and verify your identity via Singpass. Once you’ve added money, you’ll see your daily returns the very next day!
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Nikko Asset Management and Chocolate Finance Enter into Strategic Partnership
July 24 2025
Nikko Asset Management (Nikko Asset Management Co., Ltd. together with all of its subsidiaries), one of Asia’s largest asset managers with US$234.8 billion in assets under management[1], has entered into a strategic partnership on 24 July with Singapore based “neobank” Chocolate Pte. Ltd., the operator of fintech group “Chocolate Finance”. The partnership gives Nikko Asset Management an equity stake in Chocolate Pte. Ltd. and will support Chocolate Finance’s expansion into Japan and other key markets, and will enable knowledge-sharing between the two companies in the retail investor space.
Chocolate Finance Delivers Smarter, Clearer Transactions for an Intuitive App Journey
July 15 2025
Singapore-based fintech Chocolate Finance is taking the next step in improving the clarity of everyday cash management by integrating Snowdrop Solutions’ transaction enrichment API into its mobile app.
