Spiko vs Anelio

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.

Anelio is a values-based investing app. Today, it runs in simulation mode, but is the same app that will manage real investments once the live service opens; use the simulation to explore the app, learn how it works, and build your skills... without any risk. Choose the themes and values that matter to you. Complete a risk assessment, set a starting amount, and the app will automatically build and manage your portfolio around your choices. Track its simulated performance over time, adjust your risk level or contributions, and see the effect on your allocation. You'll also learn as you go: our learning modules are at the core of our app. Work through interactive lessons on diversification, risk, compounding, and recurring contributions. Earn XP, keep your streak, unlock badges, and compare your progress on the leaderboard. --- With Anelio, you can --- - Build a simulated portfolio based on your preferences and risk profile. - Learn investing through interactive lessons, quizzes, and progress tracking. - Track your simulated portfolio with charts and portfolio insights. - Adjust virtual contributions and see the effect on your portfolio. - Earn XP, streaks, and badges as you learn. - Compare your progress with other learners on the leaderboard. When the live service opens, an update will add real-money investing to this same app. Your account and identity will carry over. The live service will use Anelio's algorithms to manage your portfolio for you, in line with your preferences (you can set these now). Activation will require an onboarding with identity verification and a signed management mandate. --- IMPORTANT --- All portfolio values, allocations, contributions, withdrawals, performance figures, and progress shown in Anelio are simulated or illustrative. No real money is deposited, invested, withdrawn, traded, held, or managed through the app. Simulated results do not predict or guarantee real investment results. Content is general information, not personal investment advice. T&C apply.