Spiko is now live inside Ramify, the digital alternative to private banking. Ramify users can now earn 2.51% net¹ on their euros, with interest accruing daily, without leaving the app. Powered by the 𝐒𝐩𝐢𝐤𝐨 𝐀𝐏𝐈. ¹ As of 9 July 2026, via Spiko Smart Cash. Rate varies with €STR.