Lower fees, higher returns
At Spiko, we develop our own treasury products, enabling us to cut out middlemen and minimize your fees. Learn more about Spiko’s revenue model.
Spiko earns its fees directly from the interest generated
Our fee model is fully transparent and straightforward.
Daily payout
With no strain on your cash
Performance net of fees
Spiko will never send you an invoice
Spiko Euro
0.25% management fee
Spiko Dollar
0.25% management fee
Spiko Pound
0.10% management fee
Spiko Cash & Carry
1.00% management fee
All returns shown on Spiko are net of fees. Zero hidden fees.
Services provided by Spiko at no cost
What is included in Spiko’s fees?
The fees cover Spiko’s remuneration, the fees of a statutory auditor who audits the activity four times per year, and those of a custodian responsible for holding the fund’s assets and monitoring its operations.
Spiko Euro
How do we keep our fees so low?
Unlike banks, our interest is to make your cash work as efficiently as possible.
No need to open a current account or a securities account to access our products.
We leverage best-in-class technologies to design and distribute our products.
Hidden fees
Daily interest at the risk-free rate
Find out the cost of your idle cash
Every day your money sits idle, it’s working for someone else.
Annualized net yields (after fees) over the past 31 days. Yields are updated daily and may vary slightly depending on Treasury yields.
FAQ
How do you calculate daily interest?
An independent third party - the accountant of Crédit Agricole’s custody arm - handles the calculations. Every business day, the fund’s Treasury Bill portfolio is marked to market. Your position is represented by shares with a daily-updated net asset value.
How do you provide daily access to my funds?
Daily liquidity is contractually guaranteed by the fund's prospectus. Spiko Pound invests exclusively in Treasury Bills, whose market is the most liquid in the world after the foreign exchange market, making it easy to meet withdrawal requests.
Are my funds fully protected?
Your funds are backed by UK Treasury Bills and would only be at risk in the unlikely event that the UK government defaults on its short-term debt. We back your money with Treasury Bills rather than bank deposits because we believe a sovereign guarantee is stronger than any bank guarantee.
How would I access my funds if Spiko goes bankrupt?
When you deposit funds, they go directly from your checking account to the custodian bank. Similarly, when you withdraw, the funds are sent directly from the custodian bank to your chosen bank account. Because your funds are never on Spiko’s balance sheet, Spiko’s failure would have no impact on them. In the unlikely event that you cannot place a withdrawal through the Spiko interface, you can request your funds directly from the management company by phone or email. The management company is supervised by the French Financial Markets Authority (AMF) and has a business continuity plan in place to ensure customers always have access to their funds.
Does using Spiko involve any fees apart from the fund management fees?
No. The Spiko account is completely free. There are no fees on deposits or withdrawals, and no account maintenance or custody charges. Management fees are deducted daily on a prorated basis. The interest displayed each day is always shown net of these fees.
Can I open an account as an individual?
Absolutely! You can create an account and start using Spiko right away. If you own a company, you can manage personal and business accounts from a single interface. Each account remains separate, so funds cannot be mixed.