Spiko, the best alternative to Qonto’s interest-bearing account
You like Qonto's interest-bearing account ? You will love Spiko !
Meet Spiko, the cash investment specialist:
Spiko, your go-to expert for cash investments
Invest directly in a money market fund, don’t let your bank do it for you.
All of your funds earn returns
0 deposit fees, 0 withdrawal fees, 0 subscription fees
Attractive returns for 100% of our clients
Interest paid daily
Instant withdrawals
Service available from €1,000
Cash investment: Qonto vs Spiko comparison
*Includes a 0.7% welcome bonus for new clients, valid for 6 months.
Calculate your interests net of all fees
Why choose between high fees and strong returns on your cash?
Annualized net yields (after fees) over the past 31 days. Yields are updated daily and may vary slightly depending on Treasury yields.
*Includes a 0.7% welcome bonus for new clients, valid for 6 months.
Put your cash to work with no hidden costs
Our rates are always quoted net of an annual fee of 0.25%
They trust us with their cash
Start earning interest as soon as tomorrow
FAQ
How long does a withdrawal take?
Business transfers are instant for amounts up to €100,000 per day
Withdrawals for individuals and amounts over €100,000 are processed every business day at 10:30 AM CET. If you request a withdrawal before 10:30 AM on a business day, your funds will be credited to your checking account on the same day. Requests made after 10:30 AM or on non-business days will be processed on the next business day. There are no withdrawal limits.
What are the fees associated with using Spiko?
The only fee for using Spiko is a 0.25% annual management fee on your deposited funds, deducted daily on a prorated basis. The interest you see each day is always shown after this fee has been deducted. You have no fees associated with having an account open at Spiko. You also have no transaction fees on your deposits and withdrawals. Finally, you also have no custody fees.
Are my funds fully protected?
Your funds are backed by Treasury Bills from core Eurozone countries and are at risk only in the unlikely event of a default by one of these countries. We back your money with Treasury Bills rather than bank deposits because we believe a sovereign guarantee is stronger than any bank guarantee.
How is the daily interest determined?
Every business day, the fund's administrator calculates the value of the Treasury Bills in the portfolio, which sets the daily interest rate. On Fridays, the interest is tripled to cover the weekend.
How would I access my funds if Spiko goes bankrupt?
When you deposit funds, they go directly from your checking account to the custodian bank. Similarly, when you withdraw, the funds are sent directly from the custodian bank to your chosen bank account.Because your funds are never on Spiko’s balance sheet, Spiko’s failure would have no impact on them. In the unlikely event that you cannot place a withdrawal through the Spiko interface, you can request your funds directly from the management company by phone or email. The management company is supervised by the French Financial Markets Authority (AMF) and has a business continuity plan in place to ensure customers always have access to their funds.
Can I use Spiko as an individual?
Absolutely! You can create an account and start using Spiko right away. If you own a company, you can manage personal and business accounts from a single interface. Each account remains separate, so funds cannot be mixed.