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
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.
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!
Get started with Spiko.
Try Spiko in just a few clicks.
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 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 checking 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.
Frequently asked questions
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.
Is my cash at risk if Spiko goes bankrupt?
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?
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?
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?
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?
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.