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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.

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When 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.

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Low-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.

From insurance to provident funds
Trusted by businesses across the industry
"Sophic proves that Treasury bills are not limited to sophisticated investors or large corporations. With its simple investment process, everyday investors can confidently explore their options and make investments, moving beyond traditional banking.”
Natasa Pilides
Former Energy, Commerce and Industry Minister

Treasury bills vs.
traditional bank deposits.

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Traditional bank
vs. Sophic
Typical annual gains
Indicative annual gains, after fees.
Indicative annual gains, after fees. Remember, when investing your capital may be at risk.
Cyprus MFI interest rate for household deposits with agreed maturity up to 1 year.
Indicative annual yield of the 1-year German Bubill as of the 7th Dec 2023.
Credit rating
Typical Cypriot bank.
German credit rating according to Fitch, S&P and Moody's.

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.

Frequently asked questions.

Can’t find what you’re looking for? Talk to our team.

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What are treasury bills? How do they work?

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.

Can I withdraw whenever I want?

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.

How long does it take to open an account?

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.

Is my business eligible to invest with Sophic?

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.

Is there a minimum investment amount?

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.

What are your fees?

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.

    Sophic for individuals

    Let's put your cash to work.


    Sophic for businesses

    Manage your company’s excess cash.

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