Chocolate Finance referral code and link - o6g4xind
I've recently signed up for Chocolate Finance, which promises 4.2% pa. I've been interested for a long time but did not manage to sign up in the last round.
I don't quite like that they are app-only, but otherwise, it's been a smooth process to move money in and also out. The login mechanism is an SMS otp, which is a bit slow but also means you don't have to remember any passwords.
Referral link here, or use the code o6g4xind: