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MALAYSIA 2026-09-04 VERIFIED
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SAVINGS / Chocolate Finance SGD Cash-Managed Account

Chocolate Finance SGD Cash-Managed Account

Chocolate Finance SGD Cash-Managed Account · Singapore · Verified 4 Sept 2026

BASE RATE

2% p.a.

MAX RATE (ALL TIERS)

2% p.a.

BALANCE CAP

none (no maximum; tiered rates: 2% first S$20k, 1.8% next S$80k, 1.8% above; Top-Up Programme covers first S$100k)

■ BONUS TIER REQUIREMENTS

Salary credit NOT REQUIRED
Card spend NOT REQUIRED
Bill payments (GIRO) NOT REQUIRED
Insurance / investments via bank NOT REQUIRED
SDIC insured NO — NOT A BANK DEPOSIT
Minimum balance none (no minimum)
Monthly fee none (no fees; Chocolate earns only from portfolio)

HOW THE RATE WORKS

Not a bank - Chocfin Pte Ltd (CMS101452) invests in a low-risk portfolio of money market/investment-grade bond funds; returns credited daily, no lock-in, no criteria. 2% p.a. on first S$20k, 1.8% p.a. on next S$80k, up to 1.8% p.a. above (SGD). Returns not guaranteed; principal exposed to market risk; Top-Up Programme (top-up of shortfall on first S$100k) valid during qualifying period (site config shows 31 Dec 2026). Funds held in segregated custody accounts with MAS-licensed institutions; NOT SDIC-insured.

SOURCE

https://www.chocolatefinance.com

Official Chocolate Finance homepage (verified 2026-09-04): '2% p.a. on your first S$20k, 1.8% p.a. on your next S$80k and up to 1.8% p.a. on any amount above that', Top-Up Programme on first S$100k, no minimums/fees/lock-ins, withdrawal FAQ (3 business days contractual, most same day, up to 7 business days edge cases). Not on SDIC DI Scheme member list; platform states it is not a bank and funds are not SDIC-insured.

Verified 4 Sept 2026. Rates change — always confirm on the official site.