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Not only Chocolate makes you happy but in fact Chocolate Finance makes you even happy... Happily save money in a chocolate finance account and use the interest to buy more chocolate.
★★★★★J S Chai· Sep 7, 2025
Very reasonable withdrawal time if you submit it before 12pm. Intend to deposit more funds.
★★★★★Ru· Aug 15, 2026
So far so good. When I haven't changed anything at all for that day, my interest value withdrawal feels pretty instant. I feel that for somewhere to park your money for higher interest, their interest is the highest among everywhere else. If it is not money you will need real instant liquidity for, e.g. less critical emergency funds beyond 1 month salary or expenses, why not consider their services?
★★★★★Jesemie Lee· May 8, 2026
Easy to use and high interest savings plan
★☆☆☆☆Yi Qing· Apr 24, 2026
This bank don't put too much money if you want to withdraw money must wait very long
★☆☆☆☆teo guan· May 15, 2026
After update, I cannot log in. Keep saying got update whereas all update had been performed. I cannot view my money
★☆☆☆☆Desmond Ng· Feb 13, 2026
Do be careful of this app!! don't help them referr customers they close my account mentioning I misuse the ref feral program. 1. No tnc mentioning that referral need to top up minimum amount. 2. Referral top up less amount for obvious reasons they are scared of this app due to past incident
★☆☆☆☆Ja· Nov 2, 2025
It used to be responsive by agents. Even with the Saga happening, I stuck with them as I trust them. Even refer to quite a few friends and relatives. When they start giving out gifts I even proudly told them sticking with CF is worth it. Then I was told I will receive my gift since July. every one of my relatives/frds got theirs. Every 2 week when I check, they say they are sending or told me it is a different agent attending me, and they make a request again. 4 months and waiting. Trust no more
★☆☆☆☆Happy Happy· Feb 16, 2026
Review 01 I’m extremely disappointed with my experience using Chocolate Finance, particularly regarding their referral program in February 2026. First, the referral campaign was misleading. There was no clear communication on the minimum deposit amount required for new users to qualify under the referral program. The terms were vague and never specified how much a referee needed to deposit. Naturally, some new users deposited $1 just to activate their accounts and participate in the program.
Each subscription will automatically renew 3 days before the expiration date for
the same time period. Subscriptions can be cancelled at any time before the renewal.
