Chocolate Finance Brings New Spare Cash Management Experience to Hong Kong

Enjoy 3.8% p.a. Daily Returns on First HK$100k — A new place for your spare cash with no lock-ins, no minimums, no hoops.

HONG KONG, Nov. 6, 2026 /PRNewswire/ -- Singapore-born fintech Chocolate Finance has brought an innovative spare cash management experience to everyone in the city. Built on its signature "Happy Money" philosophy and the simple belief that "when your money is happy, you are happy too", Chocolate Finance arrives in Hong Kong committed to offering a radically simple, transparent, and flexible alternative for managing spare cash.

Currently managing over HK$10 billion in assets and trusted by over 130,000 users, Chocolate Finance has officially expanded this proven and trusted financial solution from Singapore into Hong Kong SAR and also the UAE, allowing more people to experience the joy of daily returns on their idle cash.

Letting Your Spare Cash Work Hard For You Every Day

Unlike traditional financial products that often require locking up funds or large minimum amounts, Chocolate Finance is a simple, flexible place for spare cash, regardless of the amount. The platform delivers a way for busy Hong Kongers to see returns daily and move money freely:

• Happy Returns: Enjoy 3.8% p.a. return on your first HK$100,000, and 3.5% p.a. on the next HK$200,000. Returns on the first HK$300,000 are supported by the Chocolate Advantage Programme — if the underlying portfolio's actual return falls below these stated rates, Chocolate Finance will make up the difference, so users can enjoy the stated returns (*Subject to Programme Terms & Conditions) (Programme valid until 30th June 2027, or until total AUM reaches HK$1 billion, whichever is earlier).
• Daily Returns: The moment you put money into your Chocolate Finance account, you'll start earning returns the very next day, and then see your returns - Every. Single. Day.
• No Lock-ins, Instant Withdrawal: Take your money out anytime. Withdrawals of HK$50,000 or less per day are usually instant under normal circumstances. Zero penalties, zero handling fees.
• No Minimums: Start with as little as HK$100. Regardless of the amount, you can begin your financial journey right away.
• Easy sign-up within minutes: Opening an account is easy with seamless identity verification support via "iAM Smart".

A Proven Track Record of Financial Revolution

Headquartered in Singapore, Chocolate Finance was founded by visionary entrepreneur Walter de Oude. Leveraging his experience in founding Singlife and successfully revolutionizing the insurance industry, Walter is taking it a step further by simplifying finance for everyone. Built on the belief that people deserve a better place for their cash, Chocolate Finance is designed to make your spare cash work harder for you. With the attractive daily returns, the Chocolate Finance platform puts financial power back into the hands of the people. Currently in Singapore, the platform manages over HK$10 billion (SGD $1.6 billion+) in assets and is trusted by over 130,000 users. With its official expansion into Hong Kong, Chocolate Finance introduces this proven financial solution to the local market.

Walter de Oude, Founder and Global CEO of Chocolate Finance, shared: "Finance should feel good. We envision a world where people feel joyful, confident, and empowered by their money. Everyone deserves a better place for their cash, which is why we created Chocolate Finance — to build a simple, beautiful financial alternative that makes everyday life better. As we expand from Singapore to Hong Kong, our commitment has remained the same. We are here to reshape how people view and manage their money, turning idle cash into 'happy money' with radical simplicity and clarity. In a world of complexity, we're focused on making financial happiness feel simple, consistent, and genuinely within reach."

Tim Jones, Chief Executive Officer at Chocolate Finance Hong Kong, added: "Hong Kong is a global financial hub with no shortage of savings and investment products. However, we saw a gap between what these traditional products offer and what people in Hong Kong actually want today - simplicity, transparency, and a bit of joy when managing their money. Chocolate Finance's signature daily returns and Happy Money philosophy was designed to fill this gap, and so far the response from our early users has been phenomenal. We're excited to keep rolling out our platform all across Hong Kong, to help make every day a little richer for all of us."

Peace of Mind: Security & SFC-Regulated Infrastructure

While the user experience is built for joy, the infrastructure is built for security and strict compliance:

• SFC Licensed: Chocolate Finance HK Ltd is  licensed by the Securities and Futures Commission (CE No. BSF252) for Type 1 (dealing in securities), Type 4 (advising on securities), and Type 9 (asset management) regulated activities.
• Independent Bank Trust Accounts: User funds are safeguarded in segregated trust accounts with official bank custody partner Standard Chartered Bank, ensuring strict separation from company funds.
• Global Asset Management Partners: The Chocolate Managed Account invests in SFC-authorised, investment-grade short-term bond and fixed-income funds from established global asset managers, currently including Amundi, Invesco, and Aberdeen.
• Account Security: To keep your money and data safe, Chocolate Finance employs institutional-grade multi-layered security measures — including two-factor authentication (2FA), real-time transaction monitoring, and regular independent audits.

Account Opening Process

Users can simply download the Chocolate Finance app from the Apple App Store or Google Play Store and complete the account registration in just a few minutes to start their  "Happy Money" journey. Account opening is subject to identity verification and approval. 

About Chocolate Finance

Founded by visionary entrepreneur Walter de Oude, Chocolate Finance is a Singapore-born fintech built around one simple belief: when your money is happy, you're happy too.

Already trusted by over 130,000 customers with more than SGD $1.6 billion+ in balances, Chocolate Finance provides a better place for your spare cash. No hoops & complex rules, no lock-ins and no minimum balances. Just daily happy returns, and the freedom to access your money whenever you need it. Make life richer.

The platform is operated by Chocolate Finance HK Ltd, licensed under the Securities and Futures Ordinance (Cap 571) to carry out Type 1 (dealing in securities), Type 4 (advising on securities), and Type 9 (asset management) regulated activities (CE No. BSF252).

*Chocolate Finance opens an individual discretionary account for each client, and the above returns are supported by the "Chocolate Advantage Programme" ("Programme"). All client funds will be used for fund investment purposes, and the fund portfolio returns may be higher or lower than the above returns. When portfolio returns exceed the specified returns, Chocolate Finance will charge a management fee. If Chocolate Finance suspends or terminates the "Programme", returns will depend on the actual performance of the investment portfolio, and returns on the first HK$300,000 invested may be lower than the above returns. Clients will be notified in advance if Chocolate Finance modifies, suspends, or terminates the Programme.

Chocolate Finance is a brand name of Chocolate Finance HK Limited (CE No. BSF252), regulated by the Securities and Futures Commission of Hong Kong to carry out Type 1, Type 4, and Type 9 regulated activities.

The above returns are currently supported by the promotional activity "Chocolate Advantage Programme", valid only during the programme period, and do not constitute any guarantee of returns or principal. Chocolate Finance opens an individual discretionary account for each client, and all client funds are invested in funds. Portfolio performance may be higher or lower than the specified returns. When performance exceeds specified returns, Chocolate Finance will charge a management fee calculated based on the net asset value of the discretionary account, capped at 2% p.a., with no subscription or redemption fees.

Under the "Instant Withdrawal Programme", withdrawals within HK$50,000 per day generally arrive instantly, valid only during the programme period. Withdrawals exceeding HK$50,000 per day generally arrive within 3 business days. If you have recently added funds, executed multiple transactions in a short period, or if portfolio rebalancing is underway, withdrawals may take up to 7 business days to reach your account.

The programme period for the "Chocolate Advantage Programme" and "Instant Withdrawal Programme" runs from now until 30 June 2027, or until the total Assets Under Management (AUM) in Chocolate Managed Accounts reaches HK$1 billion – whichever is earlier. Chocolate reserves the right to suspend or terminate the "Chocolate Advantage Programme" and "Instant Withdrawal Programme" at any time, including but not limited to instances of abnormal market volatility, excessive usage, high withdrawal amounts, foreign exchange restrictions, or other force majeure events. Clients will be notified in advance if Chocolate Finance modifies, suspends, or terminates the programmes.

When Chocolate Finance suspends or terminates the "Chocolate Advantage Programme", returns will be calculated based on the actual performance of the underlying funds. Returns on the first HK$100,000 invested may be lower than 3.8% p.a., and returns on subsequent amounts may be lower than 3.5% p.a. When Chocolate Finance suspends or terminates the "Instant Withdrawal Programme", withdrawals will generally arrive within 3 business days.

Past performance is not indicative of future performance. This material does not constitute any investment advice, nor an offer, recommendation, or solicitation to buy or sell any securities or investment products. All investments involve risks, including the risk of losing the entire investment amount. Such activities may not be suitable for all individuals. This advertisement has not been reviewed by the Securities and Futures Commission of Hong Kong. For details, please visit the official website chocolatefinance.com/hk.

SOURCE Chocolate Finance