Daily interest
You earn interest every day
Money that works
for you
Sign up in under 5 minutes. Earn daily yield on your treasury. Access your cash anytime.
We work with CACEIS Crédit Agricole to keep your funds secure.
£12.7MInterest paid
£2BAssets under management
£3BTotal deposits & withdrawals
Join thousands of businesses already using Spiko
Since 2026
Since 2026
Since 2024
Since 2024
Since 2025
Since 2025
Since 2024
Since 2025
Since 2024
Since 2026
Find out the cost of your idle cash
Every day your money sits idle, it’s working for someone else.
Loved by our users
Daily liquidity
You can access your cash anytime.
No extra fees on your account
No subscription, redemption or account fees.
Simple for your accountant
Accounting reports & tools integration
Simplicity
Built to keep your funds safe
Regulatory status
Our products are UCITS recognised by the Financial Conduct Authority (FCA) for distribution to persons based in the United Kingdom.
Safe assets, bankruptcy-remote structure
Your funds are never on Spiko’s balance sheet. They are backed by the global systemically important bank, with real-time transparency of all exposures.
Tier 1 partners
We work with regulated asset managers, auditors and depositary banks, including Amundi, PwC and CACEIS.
Access management and security controls
The Spiko app lets you define multiple access levels across your organization. All critical functions are protected with 2FA, and a 'four-eyes' mode can be enabled to approve sensitive actions, such as withdrawals.
Built for businesses of every size
Discover how thousands of CFOs, entrepreneurs, and finance teams use Spiko.
We are backed by the best in finance
Daily interest on your treasury
Before depositing, make sure you understand the risks involved, including the absence of any capital guarantee.