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 upEarn daily interest — no lock-in
Spiko Euro and Spiko Dollar offer a yield-generating alternative to current accounts and a more flexible option compared to term deposits that lock up your cash for months.
*Includes a 0.7% welcome bonus for new clients, valid for 6 months.
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.
Get started with Spiko.
Try Spiko in just a few clicks without commitment.
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!
Deposit your cash anytime you like.
Make a deposit by bank transfer to the custodian bank, one of the largest in the world.
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.
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 current account the same day (if requested before 10:30 AM CET on a business day) or by the next business day.
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.
FAQ
Is my cash fully protected?
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?
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?
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.
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.
What is the tax treatment for Spiko products?
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?
Business transfers are instant for amounts up to €100,000 per day
Withdrawals for individuals and amounts over €100,000 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?
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.
How do you provide daily access to my funds?
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.