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. Among other things, we ask for your business sector.
If you are tax resident outside France, or in another country in addition to France, we also ask for your country or countries of tax residence and your tax identification number (TIN), which is the number issued to you by the tax authority of each of these countries.
3. Identity verification
You will need to scan an identity document and complete a biometric verification step. We accept passports, national identity cards and residence permits issued in France. You will find in this article the detailed list of accepted documents for your country.
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.
Depending on your situation, we may also ask you to show where the funds you deposit come from. The accepted documents are listed in this article.