Skip to main content

Deposits and Withdrawals

Deposits​

  • The minimum initial deposit is EUR/USD 1,000. Subsequent deposits minimum is EUR/USD 1.
  • Deposit orders are placed through the Spiko platform. Upon order creation, you will receive bank transfer instructions on the platform and via email.
  • You will need to make a bank transfer to CACEIS Bank, Spiko Funds' custodian bank (a subsidiary of Crédit Agricole and Santander groups, and a global leader in financial assets custody).
  • Once your transfer is received, your deposit is validated and your funds start earning daily interest.
TRANSFER TRACKING

Each deposit order generates a unique transfer reference for automatic matching. If this reference is omitted, your funds remain secure but will require manual reconciliation. For transfers that appear delayed, please contact contact@spiko.io with your transfer details.

Withdrawals​

  • The minimum withdrawal amount is EUR/USD 1.
  • Withdrawal orders are placed through the Spiko platform. You must specify the destination bank account for receiving your funds.
  • Withdrawal orders received before 10:30 AM CET on business days are processed the same day; otherwise, they are processed on the next business day.
  • The settlement times are as follows:
    • EUR (SEPA): Same-day settlement (typically afternoon)
    • USD: Settlement within 0-2 business days (depending on receiving bank).
WITHDRAWAL SECURITY

For security purposes, withdrawal bank accounts must meet strict ownership criteria:

  • Individual Accounts: Account holder name must match the Spiko account holder
  • Corporate Accounts: Account must be in the legal entity's name

Withdrawals to non-matching accounts will be rejected. Bank account ownership verification is mandatory.