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Holding

Earn daily returns on your holding company's cash.

By keeping your personal holding company’s cash in a checking account or low-yield term deposit, you're giving up the risk-free rate to your bank and leaving significant money on the table. Reclaim that interest with Spiko!

Sign up
Spiko pour les holdings
À partir de 1 000 €

Earn daily interest,
Enjoy daily liquidity.

The Spiko Money Market Funds offer a yield-generating alternative to checking accounts
and a more flexible option compared to term deposits that lock up your cash for months.

Demand deposit
Term deposit
Lock-up period
Compte à terme :
No lock-up
Compte courant :
> 1 month
Spiko :
No lock-up
Withdrawal fees
Compte à terme :
No
Compte courant :
Often the case with early withdrawals
Spiko :
No
Additional fees (account maintenance or subscription)
Compte à terme :
Yes
Compte courant :
Yes
Spiko :
No
Current net yield
icône help text
Final yield obtained after subtracting fees. It is calculated based on the last 7 days and may vary.
Compte à terme :
0%
Compte courant :
🇪🇺 ~2.80%
🇺🇸 ~4.00%
Spiko :
🇪🇺 0.00%
🇺🇸 0.00%
Demand deposit
Lock-up period
No Lock-up
Withdrawal fees
No
Additional fees (account maintenance or subscription)
Yes
Current net yield
icône help text
Final yield obtained after subtracting fees. It is calculated based on the last 7 days and may vary.
0%
Term deposit
Lock-up period
> 1 month
Withdrawal fees
Often the case with early withdrawals
Additional fees (account maintenance or subscription)
Yes
Current net yield
icône help text
Final yield obtained after subtracting fees. It is calculated based on the last 7 days and may vary.
🇪🇺 ~2.80%
🇺🇸 ~4.00%
Lock-up period
No Lock-up
Withdrawal fees
No
Additional fees (account maintenance or subscription)
No
Current net yield
icône help text
Final yield obtained after subtracting fees. It is calculated based on the last 7 days and may vary.
🇪🇺 0.00%
🇺🇸 0.00%
À partir de 1 000 €

Calculate your missed interest

Your checking account is not earning interest. What if you could earn interest while keeping your funds completely flexible? That's exactly what our products offer!

00
00
$
00
months
Missed interest:
0
Fond décoratif
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"I first met the Spiko team at the beginning of their journey and have been a happy user since their launch. Their product is refreshingly simple and flexible, and clearly superior to traditional banks' alternatives. And they ship very fast, so keen to see what's coming next!"
Portrait
David Salfati
Neutral Current
"Spiko is just perfect for optimizing my personal holding company’s treasury. I earn interest daily and have full access to my funds whenever I need them—exactly what I was looking for!"
Portrait
Charles Debains
Carman
"I use Spiko to earn yield on my personal holding company’s cash, and it’s been fantastic. Daily interest and the flexibility to access funds instantly make it the ideal solution for me. A no-brainer."
Portrait
Arnaud Drizard
Kokoschka
Flèche vers la gauche
Flèche vers la droite
À partir de 1 000 €

Get started with Spiko.

Try Spiko in just a few clicks.

Step 1

Create your Spiko account.

Open a Spiko account in just a few clicks from our web platform: enter your details, secure your account with two-factor authentication, verify your identity with your phone, and you're ready to earn!

Step 2

Deposit your cash anytime you like.

Make a deposit by bank transfer to the custodian bank, one the largest in the world.

Step 3

Every day, your deposit earns interest.

Your cash is fully allocated to Treasury Bills, growing daily through earned interest. The interest is automatically reinvested, with no action needed from you.

Step 4

Withdraw your cash at any time, with no fees.

Withdraw all or part of your funds, including interest, with no notice or fees. Withdrawals are processed daily, and your cash will arrive in your checking account the same day (if requested before 10:30 AM CET on a business day) or by the next business day.

À partir de 1 000 €

Your security is our priority

Your cash is exclusively invested in Treasury Bills, which are the safest financial assets available. Plus, it is securely held by one of the world's largest custodian banks, a subsidiary of the Crédit Agricole group. Your cash is never held by Spiko.

Learn more about the Spiko Money Market Funds:

Frequently asked questions

Is my cash fully protected?

Flèche vers le bas

The Spiko Money Market Funds exclusively invest in Treasury Bills issued and guaranteed by top-tier countries like the United States, 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.

Will it be straightforward for my accountant to handle?

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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.

Can I integrate my Spiko account with accounting and financial management software like Pennylane?

Flèche vers le bas

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.

Is my cash at risk if Spiko goes bankrupt?

Flèche vers le bas

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).

What is the tax treatment for Spiko products?

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

How long does a withdrawal take?

Flèche vers le bas

Withdrawals are processed every business day at 10:30 AM CET. If you request a withdrawal before 10:30 AM on a business day, your funds will be credited to your checking account on the same day. Requests made after 10:30 AM or on non-business days will be processed on the next business day. There are no withdrawal limits.

What are the fees associated with using Spiko?

Flèche vers le bas

Opening a Spiko account is free, and there are no fees on your deposits or withdrawals. The only charges are management fees, which are deducted daily from your deposited cash balance. The daily interest earned and the displayed fund performance figures are always shown net of these fees.

How do you guarantee daily access to my cash?

Flèche vers le bas

Your cash is exclusively allocated to Treasury Bills issued by the most stable nations, such as Germany and France for euros, and the United States for dollars. These Treasury Bills are among the most liquid financial instruments globally, enabling us to offer daily withdrawals with no limits.

Still have a question?

Talk to us