The alternative to the best certificates of deposit
Looking for a short-term investment with full flexibility and strong returns?
Manage your cash reserves with Spiko
Grow your cash, not your banker’s
Opaque rates, varying from client to client
Funds frozen for months
Advance notice and penalties apply for early withdrawals
The best term deposit isn’t one, compare for yourself
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.
*Annualized performance, net of fees, over the past 31 days. Rates are updated daily and may fluctuate based on changes in Treasury bill yields.
Put your cash to work with no hidden costs
Our rates are always quoted net of an annual fee of 0.25%.
They trust us with their cash
Your cash deserves more than a term deposit
Frequent questions
Is my deposited capital guaranteed?
Your capital may be at risk in two very specific situations:
- If a government defaults. This risk is lower than the risk of your bank failing, because Spiko funds only invest in US federal debt (USD funds) and the debt of the safest countries in the eurozone (EUR funds), such as Germany and France. These issuers are considered to be the safest in the world. No country in which the Spiko funds invest has ever defaulted on its debt, and if the interest rates set by the central banks become very low or negative.
- In this case, it is possible that the return on the Spiko Funds will become negative. If this happens, you can withdraw your money from the fund at any time and place it in a current account that costs - and earns - nothing.
Can the returns on Spiko funds change?
Yes, Treasury yields are aligned with interest rates set by central banks. As a result, the performance of Spiko funds is subject to variations, influenced by monetary policy decisions taken by the US Federal Reserve (USD funds) and the European Central Bank (EUR funds) respectively.
What is the risk-free rate?
In finance, the risk-free rate represents the return on financial assets where the risk of default is so low as to be considered negligible:
- the risk-free rate in USD is the return on Treasury bonds issued by the United States;
- the risk-free rate in EUR is the return on Treasury bonds issued by the strongest countries in the eurozone, such as Germany.
by investing exclusively in such securities, Spiko funds aim to return the capital invested at the risk-free rate in USD or EUR.
Can I invest personally?
Absolutely! We welcome all types of clients, including:
- private individuals and corporate entities; professional and non-professional investors.
- certain geographical restrictions apply, particularly if you reside in the United States.
Please see our documentation (link below) for more details.
What happens to my money if Spiko goes bankrupt?
Your money is protected. As a financial investment adviser, Spiko is prohibited from handling its clients' money. Your money is therefore never - even for the shortest possible time - on Spiko's balance sheet or held by Spiko. Your money is held by CACEIS, the Crédit Agricole Group's specialist asset custody subsidiary. If Spiko goes bankrupt, your money is fully protected.