What your money earns

Start from a common amount
Account
Earned over 1 year at today’s rates
S$439
In the app on day one
S$1.19
Your blended rate
2.20%

S$10,000 more adds S$190 a year. Rates 0.25 points lower would take S$50 a year off.

The same money for 12 months

OptionRateEarns
Chocolate FinanceAny time; usually same day, up to 3 business days, 7 in some cases. The rate can change2.2%S$439
Fixed deposit: CIMBAfter 12 months; online · S$10,000+ · until 30 Nov. Insured up to S$100,0002.30%S$460
1-year T-billAfter 1 year; last cut-off on 15 Oct 2026, and the next can differ1.92%S$383
Savings Bond SBDEC26Any month, about a month’s wait; year 1 rate, after S$4 fees1.83%S$362

On these numbers Fixed deposit: CIMB earns the most, but they aren’t alike: Chocolate’s rate is an unguaranteed rate that can change at any time, and the others are fixed once you’re in.

Data: Chocolate Finance, checked 14 Nov 2026. Full table and method on Numbers.sg