Chocolate Finance Referral Code November 2026: Get Up to S$65 + Earn 2.2% p.a. on Your First S$20k

I've been getting asked whether Chocolate Finance is still worth signing up for, so here’s the November update: the current advertised rates, welcome rewards and what you need to do to qualify.

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👉 Sign up using my referral link

Disclosure: I may receive a referral reward if you sign up through my link and qualify.

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What you're getting right now

Chocolate Finance is a managed investment account operated by Chocfin Pte Ltd, licensed by MAS under CMS101452. It isn’t a bank or fixed deposit.

The current advertised SGD returns are:

• 2.2% p.a. on your first S$20,000
• 1.9% p.a. on your next S$130,000
• Up to 1.9% p.a. on amounts above S$150,000

For USD balances:

• 4.2% p.a. on your first US$20,000
• 4% p.a. on your next US$130,000
• Up to 4% p.a. on amounts above US$150,000

These rates were checked against the live homepage on 2 November 2026 and may change. If you convert SGD into USD, remember that currency movements can affect your eventual return in SGD. Source: Chocolate Finance

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Welcome promotion: get S$15 to S$65

From 1 November to 31 December 2026, eligible users signing up through the referral link can receive:

• S$15 for a qualifying SGD balance of S$1,000–S$4,999.99
• S$20 for S$5,000–S$19,999.99
• S$25 for S$20,000–S$49,999.99
• S$45 for S$50,000–S$79,999.99
• S$65 for S$80,000 and above

These totals already include the S$15 referral reward, so don’t add another S$15 on top.

The welcome promotion is for eligible users who have never added money to a Chocolate account. Business accounts are excluded. Source: DLCuration’s November update

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How to qualify

1. Sign up through my referral link. The referral must be applied at registration.
2. Complete verification using Singpass MyInfo.
3. Have your first SGD top-up credited by 31 December 2026. This is day 1 of your three-day funding window.
4. Add at least S$1,000 in SGD by the end of day 3. Only eligible SGD top-ups during this window count towards your reward tier.
5. Keep the qualifying money in for the required holding period.

Your welcome reward tier is based on your lowest end-of-day SGD balance from day 4 to day 33, capped at your eligible top-ups. Withdrawals can reduce the reward, and adding money back later won’t restore your original qualifying amount.

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For the S$15 referral component, your net top-ups must reach S$1,000 and stay at or above that amount for 30 continuous days. Falling below the threshold causes the referral requirement to fail; the qualifying period does not restart.

The S$15 is credited within seven days after the referral holding period ends. Any remaining welcome reward follows seven to ten days after the welcome holding period ends. Source: reward conditions

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Features I like

• Returns are visible daily in the app.
• No minimum deposit or lock-in.
• You can request withdrawals without a lock-in penalty, although withdrawing during the welcome promotion can affect your reward.
• Chocolate earns its performance fee only after delivering the stated return. Source: Chocolate Finance

There’s also a free Visa debit card with HeyMax rewards for eligible users. You’ll need to link your HeyMax account and meet the SGD balance requirements. Spending limits and exclusions apply. Source: Chocolate Card

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The honest caveat

Chocolate Finance isn’t SDIC-insured. Customer assets are held separately through custodians, but this doesn’t eliminate investment risk. Your capital and returns are not guaranteed. Source: Chocolate Finance FAQs

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The Top-Up Programme’s qualifying period has been extended to 30 June 2027 or S$2.5 billion in AUM, whichever comes first, subject to its terms and any changes. It is a promotional support programme, not a guarantee of capital or returns. Source: official terms

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👉 Sign up here

For the latest Chocolate Finance news, rates and referral updates, visit DLCuration’s Chocolate Finance guide. Check the applicable terms in the app before funding.

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Happy to chat in the comments 🍫