Spiko App

Daily interest on your cash. Open a free account in less than 5 minutes. Withdraw anytime, with no fees or penalties.

Spiko is the cash management solution that puts your money to work every day: interest paid daily, withdrawals anytime, and no deposit or withdrawal fees. Put your cash in funds approved by the AMF. Deposit, withdraw, and track your interest in real time, all from a single app.

Whether you're just starting out, have just raised funds, or manage the treasury of an established company, keep your cash available while it earns a return every day. Join the thousands of SMEs, startups, freelancers, and individuals who have already trusted Spiko with over one billion euros.

Features

Open an account in minutes: Sign up straight from the app, and your first interest can land as soon as today.

Daily interest, no lock-up period: Your cash earns a return every day and stays available, with no commitment period and none of the lock-up of a term deposit.

Your cash available anytime: Withdraw on any business day, with no notice, no penalty on the interest you've earned. Business transfers are instant up to €100,000 per day.

Multiple currencies, one interface: Manage your cash in euros, dollars, and pounds, and convert from one to another with no exchange fees or spreads.

Free accounts, net returns: Zero deposit, withdrawal, subscription, or custody fees. The returns shown are always net of fees.

Your funds kept safe: Your funds are held by CACEIS Bank (Crédit Agricole group) and never sit on Spiko's balance sheet.

Simple for your accountant: Spiko integrates with your accounting tools, such as Pennylane and Sage.

Personal and business accounts together: Manage your business and personal accounts from a single interface. Each account stays separate - funds are never mixed.

Start putting your cash to work today.