Chocolate Finance
Apply now and redeem any of these:
Product Carousel
FREE with SmartPoints
Samsung Galaxy Buds4 Pro (Black)
2800 SmartPoints
worth S$349
Samsung Galaxy Buds4 Pro (Black)
2800 SmartPoints
worth S$349
FREE with SmartPoints
LEVEL8 Voyageur 20-inch Luggage (Matcha Green Colour)
2725 SmartPoints
worth S$399
LEVEL8 Voyageur 20-inch Luggage (Matcha Green Colour)
2725 SmartPoints
worth S$399
FREE with SmartPoints
Hinomi Q1 Ergonomic Office Chair (Black)
2585 SmartPoints
worth S$499
Hinomi Q1 Ergonomic Office Chair (Black)
2585 SmartPoints
worth S$499
FREE with SmartPoints
Sony ULT FIELD 1 Wireless Portable Speaker
1400 SmartPoints
worth S$229
Sony ULT FIELD 1 Wireless Portable Speaker
1400 SmartPoints
worth S$229
FREE with SmartPoints
Dibea D18 Classical Cordless Vacuum Cleaner Handheld Stick
1385 SmartPoints
worth S$186
Dibea D18 Classical Cordless Vacuum Cleaner Handheld Stick
1385 SmartPoints
worth S$186
FREE with SmartPoints
Logitech MX Anywhere 3S Wireless Bluetooth Silent Mouse (Graphite)
1225 SmartPoints
worth S$139
Logitech MX Anywhere 3S Wireless Bluetooth Silent Mouse (Graphite)
1225 SmartPoints
worth S$139
View more rewards
View more rewards
[SmartRewards | MoneySmart Exclusive]
Earn up to 2,800 SmartPoints! Simply deposit fresh funds of S$10,000 or S$20,000, hold them steady for 60 days, and watch the rewards roll in. Hurry—apply exclusively on MoneySmart between 24 and 31 July 2026, download the app, and claim your SmartPoints to redeem exciting products on our Rewards Store! T&Cs apply.
Valid till 31 Jul 2026
ARE YOU ELIGIBLE?
MoneySmart Exclusive: Promotion is valid from 24-July-2026 19:00 SGT to 31-July-2026 23:59 SGT
Only valid for New Customers to Chocolate Finance, with no account opened or closed in the previous 12 months before account opening month
Get your Chocolate Finance Account successfully opened and approved by 31 July 2026 (final and unconditional)
Top up a minimum of S$10,000 or S$20,000 in fresh funds (funds not from existing Chocolate Finance accounts) into your new account
Maintain an average daily balance above the topped up fresh funds amount for 60 days after funding
Complete and submit the MoneySmart Claim Form accurately with your contact details and phone number by 30th September 2026, 23:59 SGT
WHAT YOU NEED TO KNOW
Top up a minimum of S$10,000 AUM in fresh funds into the Eligible Chocolate Finance Account and maintain for 60 days to receive:
Sony ULT Field 1 Wireless Portable Speaker (worth S$229) OR Dibea D18 Cordless Vacuum (worth S$186) OR Logitech MX Anywhere 3S Wireless Mouse (worth S$139) in the form of 1,400 SmartPointsTop up a minimum of S$20,000 AUM in fresh funds into the Eligible Chocolate Finance Account and maintain for 60 days to receive:
Samsung Galaxy Buds4 Pro (worth S$349) OR LEVEL8 Voyageur 20-inch Luggage (worth S$399) OR Hinomi Q1 Ergonomic Office Chair (worth S$499) in the form of 2,800 SmartPointsUse SmartPoints to fully redeem a product from our Rewards Store. If the product costs more, redeem with your points and top up the rest by purchasing additional SmartPoints. Enjoy flexible redemption and get the rewards you want!
SmartPoints will be credited into your points wallet, with a validity period of 1 year. You can choose to redeem any reward, or accumulate your points for future redemptions. For more information regarding SmartPoints, refer to our FAQ here.
*Rewards Redemption will be sent 3 months from 31st July 2026.
Investment Details
- Enjoy 2% p.a. return on your first S$20k, 1.8% p.a. on your next S$80k and up to 1.8% p.a. on any amount thereafter.
- Daily returns: See your returns every single day.
- No lock-ins, withdraw anytime.
- Returns on your first S$100k and your first US$100k are supported by the Chocolate Top-Up Programme, which means if we don't meet the returns during the Qualifying Period, we'll top up the difference.
- Chocolate Visa debit Card: with 0 FX fee on overseas spend and earn 1 HeyMax mile per $1 on your first $1k per month.
- 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$80k, and up to 3.8% p.a. on balances above US$100k. All the same benefits as SGD, just in USD.
- Chocolate Finance is a brand of Chocfin Pte Ltd (UEN 202347190R). Chocfin Pte Ltd is licensed and regulated by the Monetary Authority of Singapore (CMS101452) to perform fund management activities. Chocolate’s returns are subject to change based on market conditions, with Chocolate top-up support offered as an incentive during the Qualifying Period, and it does not constitute a guarantee of return or capital. Returns are calculated on a compounded basis. Terms and conditions apply. This advertisement has not been reviewed by the Monetary Authority of Singapore.
Disclaimer: At MoneySmart.sg, we strive to keep our information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products and services are presented without warranty. Additionally, this site may be compensated through third party advertisers. However, the results of our comparison tools which are not marked as sponsored are always based on objective analysis first.