In certain cases, Spiko may ask you to justify the origin of the funds you wish to deposit. This verification is mandatory under European regulations.
When is this proof requested?
This proof may be requested particularly when your balance on the platform exceeds a certain threshold, or when our compliance team needs additional information.
Accepted documents by source of funds
Professional income:
- Recent pay slips (last 3 months)
- Employment contract or employer certificate
- Tax assessment notice (previous year income)
Sale of assets:
- Real estate sale deed
- Securities disposal statement
Inheritance or donation:
- Notarized deed of inheritance or donation
- Certificate of succession
Savings income:
- Savings account statements
- Securities account statements
Accepted documents by country
The documents above are accepted whatever your country. Depending on the country that issued your documents, you can also provide the following. For other countries, the documents above apply.
🇫🇷 France
- Tax assessment notice (avis d'imposition)
- Payslip
- Notarial deed for a sale or an inheritance (notarial certificate showing the price, or the will)
- Securities transfer deed (form 2759-SD or the sale agreement for the securities)
🇬🇧 United Kingdom
- SA302 tax calculation
- P60 or payslip
- Solicitor's completion statement
- Share sale agreement
🇪🇸 Spain
- Income tax return (Declaración de la renta, Modelo 100)
- Payslip
- Notarial deed
🇳🇱 Netherlands
- Income tax assessment (Aanslag inkomstenbelasting)
- Payslip or annual salary statement (jaaropgaaf)
🇮🇹 Italy
- Income tax return (Modello 730 or Redditi PF)
- Annual income statement issued by the employer (Certificazione Unica, CU)
- Payslip
🇩🇪 Germany
- Income tax assessment (Einkommensteuerbescheid)
- Payslip or annual salary and tax certificate (Lohnsteuerbescheinigung)