Money that works
for you
Open your account in under 5 minutes. Earn daily interest on your treasury. Access your funds anytime.
We work with Crédit Agricole to keep your funds secure.
Transparent by design:
our yields are always net of fees
Net-of-fees rates, accrued and paid daily by the banking counterparty (BNP Paribas).
Join thousands of businesses already using Spiko
Find out the cost of your idle cash
Every day your money sits idle, it’s working for someone else.
Loved by our users
Daily interest
Daily liquidity
Spiko accounts are free
Simple for your accountant
Built to keep your funds safe
Our flagship products are UCITS approved by the French regulatory authorities. Spiko is a MiFID-authorized investment firm in France, licensed to provide brokerage services.
Your funds are never on Spiko’s balance sheet. They are either invested in risk-free assets (Treasury bills) or backed by the world’s largest banks, with real-time transparency of all exposures.
We partner with the world's top asset managers (e.g., Amundi), auditors (e.g., PwC) and depositary banks (e.g., CACEIS) to build the best products.
The Spiko app lets you define multiple access levels across your organization. All critical functions are protected with 2FA, and a 'four-eyes' mode can be enabled to approve sensitive actions, such as withdrawals.
Spiko is for everyone
Discover how thousands of CFOs, entrepreneurs, and freelancers use Spiko.
We are backed by the best in finance
