Le meilleur moyen de placer sa trésorerie en bons du Trésor en 2025
Spiko est le moyen le plus simple de placer sa trésorerie dans les bons du Trésor.
Les bons du Trésor cumulent tous les avantages pour placer sa trésorerie :
Calculate your interest
Your current account is not earning interest. Your term deposit locks up your funds. Spiko puts your cash to work every day — with no lock-ins, ever.
They trust us with their cash
*Annualized performance, net of fees, over the past 31 days. Rates are updated daily and may fluctuate based on changes in Treasury bill yields.
Frequent questions
Is my capital fully protected?
The Spiko EU T-Bills Money Market Fund exclusively invests in Treasury Bills issued and guaranteed by top-tier countries like France and Germany. While your capital is at risk if any of these countries default on their short-term debt, a sovereign guarantee is stronger than a bank's capital guarantee, as banks are more likely to fail than governments. This is why most large companies and institutions prefer parking their cash in Treasury Bills rather than term deposits. To learn more, read our article on capital guarantees.
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.
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.
Is my cash at risk if Spiko goes bankrupt?
Your cash is fully secure, as it is always held by the Crédit Agricole group's custodian bank - not by Spiko. When you deposit funds, the transfer goes directly from your checking account to the custodian bank. Likewise, when you withdraw, the funds are sent directly from the custodian bank to your checking account. In the unlikely event that Spiko were to disappear, you would still have daily access to your funds. You can indeed always request a withdrawal from the management company, which is legally required to honor it under the supervision of the French securities regulator (AMF).
Can I use Spiko as an individual?
Absolutely! You can create an account and start using Spiko as an individual. You can also secure multiple accounts with the same email and two-factor authentication. If you own, for example, one or more companies, you can manage both your personal and business treasuries within a single interface. Of course, you technically maintain separate accounts for each of these entities and cannot mix the funds.
How do you guarantee daily access to my cash?
Daily liquidity is contractually guaranteed by the fund's prospectus. In practice, the market for Treasury Bills is the second most liquid in the financial system, right after the forex market. This liquidity lets us sell Treasury Bills in large quantities, ensuring we can meet any withdrawal request.