Last updated: 16 August 2026

By Stiv ยท Design, technology and personal finance

I have been using Sprive with my Nationwide mortgage since October 2021, making monthly overpayments through the app for almost five years now. Every guide on this page comes from that ongoing, real use.

Sprive / Mortgage MoneyThe complete collection

Sprive guides: every article in one place

We have been overpaying our own mortgage through Sprive since 2021. In that time we have written more Sprive guides than about almost any other app on the site. This page collects every one of them, organised by what you actually want to know rather than by date, alongside the current sign-up offer.

This page contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.

Nothing on this page is financial advice, and CoolCuration is not authorised or regulated by the Financial Conduct Authority. If you are unsure whether overpaying suits your circumstances, speak to a qualified adviser.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Just here for the sign-up bonus?

Get the Sprive referral bonus

Offers move around, so rather than print a figure here that goes stale, we keep the live offer and the exact steps to claim it on one page.

Get the Sprive referral bonus

Start here

New to Sprive?

Four guides that answer the first questions everyone asks, from what the app actually does to whether it deserves a place on your phone.

What is Sprive, and how does it work? What the app does, how Open Banking links it to your bank and what happens to every overpayment. Sprive mortgage app review The full verdict after more than four years and thousands of pounds of real overpayments. Is Sprive any good? The short answer, with who it suits and who should probably skip it. That Channel 4 advert Seen "Shop away your mortgage" on TV and wondered what the app is? Start here.
The mechanics

How the money moves

AutoSave, cashback and the reloadable card are three different routes to the same place: your mortgage balance. These guides explain each one.

How Sprive AutoSave works Set an amount, let it move by Direct Debit each month and watch it land on the mortgage. Sprive cashback, explained How the gift-card cashback works, which retailers pay best and when it is worth the faff. The reloadable gift card One card in Apple Wallet that tops itself up and quietly chips away at the balance. The food shop trick How our weekly supermarket shop overpays the mortgage, with the real sums. Overpayment rules and limits Lender allowances, early repayment charges and how to stay inside both.
Offers

The referral, the promo code and the prize draws

Everything with a bonus attached lives here. Offers change often, so these pages are kept current rather than quoting figures that go stale.

Sprive referral code The live sign-up offer and the exact steps to claim it. Sprive promo code Whether a promo code exists right now and what it actually gets you. Refer a friend, explained How the scheme works on both sides once you are already a member. The Sprive prize draws How entries really work, what you can win and who is locked out.
Head to head

Comparisons

Sprive against the alternatives, from a plain standing order to the other money apps fighting for the same spot on your home screen.

Sprive vs manual overpaying Whether the app genuinely beats a standing order, answered honestly. Sprive vs Plum vs Chip Three money apps compared after months of running all of them at once. Best mortgage overpayment apps Where Sprive sits against every other app that claims to help. Easiest mortgage brokers Sprive's remortgage side compared with Habito, Better.co.uk and Charles Cameron.
Trust

Safety, regulation and the business model

Before you connect a bank account to anything, these two guides cover how Sprive is regulated, where your money sits and why the app is free.

Is Sprive safe? FCA status, Open Banking security and where your money actually sits. How does Sprive make money? Why the app costs nothing and who is really paying for it.
The bigger picture

The wider mortgage toolkit

Sprive is one tool, not the whole answer. These guides cover overpaying in general, the sums behind it and the decisions that sit around it.

Mortgage overpayment UK How overpaying works, the limits and what it saves, app or no app. How much could you save? Real worked examples, plus our free calculator to run your own numbers. Overpayment calculator Put your own balance, rate and overpayment in and see the difference. Pay off your mortgage faster Seven practical moves that cut years off a term. Overpay or invest? A fair framework for the classic dilemma, without the hard sell. When to remortgage Timing, SVR traps and the fees that catch people out. Save thousands on your mortgage The wider set of tips that work alongside overpaying. Become mortgage-free faster The service guide version, with the steps in a sensible order. Pay off your mortgage early What an early payoff actually takes and what to check first.
The regulation bit

Where Sprive stands with the FCA

Sprive is operated by Sprive Limited, which appears on the FCA Register under firm reference number 919863. For its regulated mortgage activity it acts as an appointed representative of two directly authorised principals: Connect IFA Ltd (FRN 441505) and New Leaf Distribution Limited (FRN 460421).

Money sitting in the Sprive wallet is held by PrePay Technologies Limited (FRN 900010) and is safeguarded under e-money rules. That is not the same as FSCS protection, and our safety guide above explains the difference in plain English before you decide how much to hold there.

For balance, CoolCuration itself is not authorised or regulated by the FCA, and nothing in these guides is financial advice. For free, impartial guidance on mortgages and overpaying, the government-backed MoneyHelper service is the sensible place to start.

How we do it

How we cover Sprive

Every guide above comes from real use rather than a press pack. We have overpaid our own Nationwide mortgage through the app since October 2021, so screenshots, rates and mechanics are taken from a live account rather than from marketing pages. When the app changes, the guides change with it.

Beyond that, we verify claims against Sprive's own published terms on the day of writing. Where the small print contradicts the marketing, we say so rather than smoothing it over. The prize draw guide is a good example, because entries come from referrals rather than overpayments, which is not what most third-party sites tell you.

Finally, the money side is disclosed everywhere it applies. Some links carry a referral bonus, and every one of them is marked accordingly. However, the verdicts stay independent, which is why the guides above name the downsides as plainly as the perks.

Sprive guides FAQs

What is Sprive?

Sprive is a free UK app that helps you overpay your mortgage using spare cash, supermarket cashback and referral bonuses. It links to your bank through Open Banking and sends overpayments to your lender. Our how-it-works guide covers the whole journey step by step.

Is Sprive free to use?

Yes, the app itself costs nothing. Instead, Sprive earns money from remortgage commissions and from margins on the gift cards in its shop. Consequently, it is worth understanding how Sprive makes money before you decide how to use it.

Is Sprive safe to use?

Sprive Limited is an appointed representative of two FCA-authorised firms, and wallet money is safeguarded by PrePay Technologies rather than FSCS-protected. That distinction matters, so our safety guide walks through it properly before you connect an account.

How do I get the Sprive sign-up bonus?

Through a referral link, with the current offer always confirmed inside the app. Because the bonus changes by campaign, we keep the live details and the claim steps on our Sprive referral code page rather than printing a figure here.

Which Sprive guide should I read first?

Start with the how-it-works guide if the app is new to you, then move on to the full review for the honest verdict. After that, the mechanics section above covers whichever feature you plan to lean on most.

How often are these Sprive guides updated?

This page gains a card every time a new Sprive guide publishes, and the date at the top moves with it. Additionally, each individual guide carries its own last-updated line, so you can see exactly how fresh the page you are reading is.

Ready to try it

Start Sprive with the current offer

The app is free either way. If you do sign up, using the referral route adds a bonus towards your mortgage, and the live details sit on our referral page.

See the current Sprive offer

Rates, offers and terms change, and nothing on this page is financial advice; consider a qualified adviser before making decisions about your mortgage. This page contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view. CoolCuration is not authorised or regulated by the Financial Conduct Authority.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Published by Stiv