Manage your cash reserves with confidence.
Earn 3.3%+ annually on your company cash by investing in Treasury bills with Sophic. Highly liquid and secure, Treasury bills offer the performance and peace of mind you're looking for.
Get StartedWhen investing, your capital may be at risk.
A better way to manage your treasury.
Your cash reserves should be an asset, not idle capital. Regarded as one of the safest assets you can own and easily converted to cash whenever you want, Treasury bills are a simple and secure way to fuel your company's growth.
Get StartedLow-risk and secure
Treasury bills are short-term government bonds, issued and guaranteed by a country's own treasury, so they are considered low risk investments.
No lock-in periods
Due to their safe nature, there is very strong demand for Treasury bills all year round, so you can convert your holdings to cash in a matter of hours.
Higher returns
European Treasury bills yields are currently more than 3.3% annually, helping you unlock the true potential of your cash.
Treasury bills vs.
traditional bank deposits.
Manage your cash like a pro
Treasury bills have become a key part of every sophisticated investor's liquid portfolio. Sophic gives you the access and tools to make them part of yours too.
Get started in <10 minutes
No financial jargon, no hoops to jump through. Just a quick digital onboarding and you're in.
Liquidity when you need it
Whether you've reached a goal or simply need some extra cash, you can convert your treasury bill investments to cash and transfer the proceeds back to your bank in a matter of days.
Beautifully transparent
We believe in a transparent approach to investing, and we’re committed to keeping it that way. We charge two fees: 0.3% annual service fee on your invested balance and €10 per order to cover our settlement costs.
Your wealth,
our responsibility.
Top-tier asset safeguarding
Your funds are kept in segregated accounts at JPMorgan, away from our own operating cash, and your assets are safeguarded by SIX Group, one of the largest custodians internationally.
Regulated across Europe
We’re authorised and regulated by the Cyprus Securities and Exchange Commission (licence number 348/17) for operating across the European Union.
Data protection & privacy
We are committed to taking all necessary steps to store, transmit and process your personal data following industry-standard security practices and GDPR.
Treasury bills, or T-Bills, are short-term financial instruments that governments issue, typically with a maturity (duration) of up to one year. They are a form of investment where you essentially lend money to the government (like a regular government bond), which in turn promises to pay you back on the day the bill matures.
Unlike regular bonds, Treasury bills do not pay interest every year. Instead, they are issued at a discount to their face value meaning you pay less to buy them today than what they will be worth at maturity, and the difference will be your profit.
Let's work through an example. The European Union issues a Treasury bill that matures in 1 year with a yield of 4%. This means that what you will receive back at maturity will be 4% more than what you will pay now. On issue day, you buy €1000 worth of the EU Treasury bill. A year later, upon maturity, the EU pays you back €1040 (your initial €1000 + 4%) so you've made €40 in profit.
Yes you can, the Treasury bill is one of the most liquid markets in the world. To withdraw, you'll have to sell your investment before maturity and your return will be proportional to the time you kept the bill, assuming short-term rates do not materially change.
It's important to note that the price you will receive will depend on market conditions, and you may receive less than what you initially paid if interest rates have risen.
It takes less than 10 minutes! We're required by the regulator to ask a series of questions regarding your business as well as your employment, financial status and investment knowledge and perform an ID document verification.
Please have your ID or passport and a recent utility bill or bank statement at hand before you start the onboarding process.
Your business is eligible if it’s based in the EU/EEA, has an active Legal Entity Identifier (LEI), is not included on the prohibited industries and is able to provide proof of legal existence.
If you don't have a LEI, you can obtain one online at a small cost. Please note that your LEI should be renewed every year.
We currently have an account opening minimum deposit of €20,000. After your account is open, there is no minimum deposit but each Treasury bill might have a minimum investment amount associated with it, depending on liquidity.
We currently charge two fees:
> 0.3% annual service fee on your invested balance only. There are no fees on your cash balance.
> €10 per order (buy or sell) to cover our settlement costs. There are no fees for deposits, withdrawals or bill maturities.