Opening a personal account takes less than one minute. Spiko is accessible from most countries : see the list of exceptions here.
💡 Processing time: account opening requests are generally processed and validated in 1 minute.
Account creation steps
1. Security setup
The first step is to verify your email, choose your password, and set up two-factor authentication, which will be required for sensitive operations on the platform (withdrawals, bank account changes, etc.).
2. Questionnaire
A few questions will be asked to complete your file, in accordance with current regulations.
3. Identity verification
You will need to scan an identity document and complete a biometric verification step. We accept passports and national identity cards.
4. Proof of address
Depending on your situation, we may ask you for proof of address. You will find in this article the list of documents we accept.