Chocolate Finance Invite Link: S$15 If S$1,000 Stays In for 30 Days

The Chocolate Finance sign-up reward is now S$15, and it's not paid for signing up. It's paid once S$1,000 has sat in your account for 30 continuous days.

👉 Chocolate Finance invite link: https://share.chocolate.app/nxW9/su3w13ht
There's no referral code. The link is the only thing that tracks it.

How I'd do it

1. Open the invite link on your phone and install Chocolate from the store page it opens (don't search the store yourself)
2. Sign up and verify with Singpass Myinfo
3. Top up S$1,000 by FAST, PayNow QR or eGIRO. One deposit or several both count
4. Leave at least S$1,000 in for 30 days in a row
5. The S$15 lands in your Chocolate SGD account once the 30 days are up

While you wait

Chocolate's SGD account returns 3% p.a. on the first S$20,000 (2.7% p.a. on the next S$30,000), calculated daily. On S$1,000 that's roughly S$2.50 for the month, so about S$17.50 all in. Those rates are supported by Chocolate's Top-Up Programme, which its T&Cs say now runs to 31 Dec 2026 (or until S$2 billion in assets). They aren't guaranteed.

What can cost you the S$15

• ✅ Installing the app without the invite link
• ✅ Topping up less than S$1,000
• ✅ Withdrawing below S$1,000 before the 30 days are up
• ✅ Already having a Chocolate account

Worth knowing before you put money in: Chocolate is a MAS-licensed fund manager, not a bank. Your money is invested in short-duration bond funds, it isn't SDIC-insured, and withdrawals take up to 3 business days (instant withdrawals were suspended in March 2025). Treat it as a place for idle cash, not your emergency fund.

I put the step-by-step and the returns maths in DLCuration's Chocolate guide: https://dlcuration.com/how-to-use-chocolate-fin...

Not financial advice.

Disclosure: this is DLCuration's Chocolate Finance invite link, and Chocolate may give a referral reward when it's used.