Individuals
Don't let your cash sit idle in your checking account.
Do you have excess funds sitting in a checking account, and your bank isn't providing suitable cash management options? With Spiko, you can easily access Treasury bill yields with just a few clicks!
Sign up
Earn daily interest,
Enjoy daily liquidity.
The Spiko Money Market Funds offer a flexible alternative to term deposits, which lock up your cash,
and to life insurance funds, which come with substantial entry, management, and exit fees.
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.
They trust us with their savings
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.
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 tax rules apply to individuals in France?
Individual clients who are French tax residents are subject to a flat tax on realized interest, while unrealized interest is not taxed. Realized interest refers to amounts actually withdrawn from the funds, calculated proportionally based on withdrawn amounts relative to the deposited amounts. We automatically transmit this information to the French tax authorities to facilitate pre-filled tax returns. Additionally, we provide each French tax resident with a Unified Tax Form (IFU), summarizing transactions and realized interest. Individual clients who are not French tax residents are subject to the tax laws of their country of residence. They do not pay taxes in France.
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.