Gestió de tresoreria per a start-ups

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.

The accounting and tax treatment of money market funds is similar to that of term deposits. Your accountant will be well-versed in handling the bookkeeping entries for short-term cash investments. The Spiko platform also allows you to easily generate and download accounting statements in PDF or CSV format for any selected period. Additionally, you can grant your accountant read-only access to the interface.

Yes! Spiko is integrated with an account aggregator used by many platforms such as Pennylane, allowing you to track your Spiko balance and movements alongside your bank accounts.

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.

In France, both realized gains (withdrawn interest) and unrealized gains (accrued but undrawn interest) are subject to corporate tax.

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.

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.