Spiko's promise is simple: your cash earns interest and stays available whenever you need it for everyday expenses. As of July 16, 2026, the instant withdrawal cap has increased from €100,000 to €500,000 per day.
A new milestone in putting your short-term cash work harder, with even better immediate liquidity.
As of now, the €500,000 in daily instant withdrawal is available on our euro products only: Spiko Euro (Smart Cash) and Spiko Euro T-Bills. This service runs 24/7, including weekends and public holidays, and it's completely free.
This feature runs on instant SEPA transfers, which settle in under 10 seconds and credit your bank account instantly.
To make an instant withdrawal:
Your instant withdrawal cap resets every day at 00:00 UTC. Anything above €500,000 gets credited the next business day (D+1).
Until now, instant withdrawals were reserved for French businesses. Now on, all our clients have access: businesses and individuals alike, in every country where Spiko operates.
We're starting with the euro, which accounts for 83.5% of all assets placed with Spiko across every currency (as of July 19, 2026), to meet demand from our clients and partners.
Going forward, our goal is to bring this same level of liquidity to all our other products and currencies.
With Spiko, put your cash to work with daily interest at the risk-free rate, a yield net of management fees and funds available at all times, without prior notice, without penalties, and without withdrawal fees.
To find out more, book a meeting now.
To better understand the world of cash management, explore our blog!
