No deixis que els teus diners estiguin aturats al compte corrent
Tens un excés de fons en un compte corrent i el teu banc no t'ofereix opcions adequades de gestió d'efectiu? Amb Spiko, guanya interessos diaris en només uns quants clics.
Guanya interessos diaris, gaudeix de liquiditat diària
Spiko ofereix una alternativa flexible als dipòsits a termini, que immobilitzen els teus diners, i als fons d'assegurances de vida, que comporten elevades comissions d'entrada, gestió i sortida.
Comença amb Spiko.
Prova Spiko en uns pocs clics i sense compromís.
Crea el teu compte Spiko.
Obre un compte Spiko en pocs clics des de la nostra plataforma web: introdueix les teves dades, protegeix el teu compte amb l'autenticació en dos passos, verifica la teva identitat amb el telèfon i ja estaràs a punt per començar a guanyar!
Diposita els teus diners quan vulguis.
Fes un dipòsit mitjançant transferència bancària al banc custodi, un dels més grans del món.
Cada dia, el teu dipòsit genera interessos.
Els teus diners creixen diàriament gràcies als interessos generats. Els interessos es reinverteixen automàticament, sense que hagis de fer res.
Retira els teus diners en qualsevol moment, sense comissions.
Retira la totalitat o una part dels teus fons, interessos inclosos, sense preavís ni comissions. Les retirades es processen diàriament i, per a les ordres realitzades abans de les 12:25 CET, els diners arribaran al teu compte corrent el següent dia hàbil (T+1).
Confien en nosaltres per gestionar la seva tresoreria
La teva seguretat és la nostra prioritat
Els teus diners estan avalats pels bancs més sòlids del món. A més, estan custodiats de manera segura per un dels bancs custodis més grans del món, una filial del grup Crédit Agricole. Spiko no té mai la custòdia dels teus diners.
Preguntes freqüents
What are the risks and how are my funds protected?
Your funds are backed by a Tier 1 bank and are at risk only in the unlikely event of its default. In such a case, your funds remain protected by the portfolio of securities wholly owned by Spiko's funds, which would be promptly liquidated to minimize any potential losses. In the event of residual losses following the liquidation of the securities portfolio, Spiko Euro would hold a senior claim on the bank.
How would I access my funds if Spiko goes bankrupt?
First and foremost, you have no financial exposure to Spiko’s insolvency, as your funds are never on Spiko’s balance sheet. When you deposit funds, they are transferred directly from your checking account to the depositary bank. Likewise, withdrawals are sent straight from the depositary bank to your designated bank account. The account must be in your name, as Spiko cannot be used as a payment method.
That said, Spiko’s insolvency could affect you operationally, as the platform might no longer be available for placing withdrawal orders, for example. Fortunately, Spiko’s products are regulated and supervised by the French Financial Markets Authority (AMF), and their operation does not depend on the distributor. In practice, you can always place your withdrawal orders through the management company by phone or email.
What tax rules apply to individuals in France?
Individual clients who are French tax residents are subject to a flat tax on realized interest, while unrealized interest is not taxed. Realized interest refers to amounts actually withdrawn from the funds, calculated proportionally based on withdrawn amounts relative to the deposited amounts. We provide each French tax resident with a Unified Tax Form (IFU), summarizing transactions and realized interest. Individual clients who are not French tax residents are subject to the tax laws of their country of residence. They do not pay taxes in France.
How long does a withdrawal take?
Transfers are instant for amounts up to €500,000 per day.For withdrawals over €500,000, orders are processed daily at 12:25 PM CET. Requests placed before 12:25 PM on a business day will arrive the next business day (T+1). Requests placed after 12:25 PM or on non-business days will arrive the following business day (T+2). There are no withdrawal limits.
What are the fees for using Spiko Euro?
The only fee for using Spiko Euro is an annual management fee of 0.25% on your deposited funds, calculated daily on a prorated basis. The interest displayed on our website or in our app is always shown net of fees. There are no fees for maintaining a Spiko account, and deposits and withdrawals are free of any transaction charges. Last but not least, there are no custody fees.