Comparison

Cyrus vs Spiko

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Cyrus

Features
Read full description

Cette application est à destination exclusive des clients Cyrus. Cyrus, société de conseil en gestion de patrimoine avec plus de 30 ans d’expertise, vous accompagne pour vous aider à structurer, valoriser et transmettre votre patrimoine aux personnes que vous aimez. Un aperçu des fonctionnalités disponibles sur votre application Cyrus : SUIVI DES INVESTISSEMENTS Retrouvez l’ensemble de vos investissements Monitorez la répartition par actifs de votre patrimoine Suivez l’évolution des valorisations DOCUMENTS Consultez les documents essentiels relatifs à vos investissements, et les courriers envoyés par Cyrus Déposez vos pièces justificatives de manière confidentielle et sécurisée

About

Spiko

Earn daily interest on your cash with a free account that takes minutes to open. Withdraw funds anytime without fees or penalties, and manage multiple currencies from one app. Ideal for individuals and businesses seeking to maximize their cash returns.

Highlights
  • Daily interest on cash
  • Free account opening
  • No withdrawal fees
  • Multi-currency management
  • Integrates with accounting tools
  • Personal and business accounts
Features
Read full description

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 €500,000 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.

Screenshots

Cyrus4 screens
Spiko4 screens

Verdict

The call

Cyrus and Spiko are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Cyrus ships an update fortnightly, Spiko every 8 days. The most recent releases landed on September 27, 2026 and October 8, 2026 respectively.

ScorecardNo meaningful differences
Cyrus versus Spiko: the parameters behind the verdict, then further details
ParameterCyrusSpiko
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyFortnightlyEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.4
Further details — not scored
Size40 MB70 MB
Age rating4+4+
DeveloperCyrus HerezSpiko

In-app purchases

None

Cyrus

No in-app purchases

None

Spiko

No in-app purchases

Questions

Is Cyrus free?
Cyrus is free to download, with no in-app purchases.
Is Spiko free?
Spiko is free to download, with no in-app purchases.
Do Cyrus or Spiko have ads?
Neither Cyrus nor Spiko shows ads.
Which is updated more often, Cyrus or Spiko?
Cyrus ships an update fortnightly, and Spiko every 8 days. Most recently, Cyrus was updated on September 27, 2026 and Spiko on October 8, 2026.

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