Five years of Sprive on my own mortgage: £10,237.41 overpaid, a remortgage from Nationwide to Halifax, and what the cashback actually added.
October 4, 2026Comments are off for this post.
What Is a Sprive Boost? Seven Days, and What It Actually Pays
A Sprive boost lifts your cashback rate for seven days, and it arrives on its own. What mine paid, and why Supercharge is a display toggle rather than extra cashback.
August 18, 2026Comments are off for this post.
Which Supermarkets Does Sprive Support?
Seven supermarkets. Seven rates. One catch: the cashback never reaches your bank account, it goes straight at your mortgage. Here's exactly what Sprive pays at Tesco, ASDA, M&S and the rest, taken from my own app rather than a press release.
June 30, 2026Comments are off for this post.
Sprive Gift Cards: The Reloadable Card Explained
Sprive gift cards are now reloadable. Here is how the one-card, Apple Wallet and auto top-up setup works, from my own use since 2021.
May 22, 2026Comments are off for this post.
We’re Paying Off Our Mortgage with Our Food Shop Cashback. Here’s How.
Last updated: 13 October 2026
Can grocery cashback from your weekly food shop pay off your mortgage? Not entirely, no. But we've been routing our regular shop through Sprive's cashback feature for over a year, and the numbers are starting to look surprisingly compelling. A percentage of every Tesco and Sainsbury's shop now goes directly off our mortgage balance. We didn't change what we buy. We didn't change where we shop. We just changed how we pay, and our mortgage is shrinking faster because of it.
By Stiv · Design, technology and personal finance
I've used Sprive since October 2021, on a Nationwide mortgage and then, from June 2026, a Halifax one, with a monthly auto-save that started at £100. The cashback feature has been running alongside this for over a year. This post is based on real use and real numbers.
This article is for informational purposes only and does not constitute financial or mortgage advice. Cashback rates, retailer availability, and mortgage terms can change. Your home may be repossessed if you do not keep up repayments on your mortgage. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
Sign-up bonus before you shop
The current Sprive welcome offer, plus the claim steps, are kept fresh on our referral page.
Curious about the food shop trick? The full story is below. For every Sprive guide in one place, see our Sprive guides hub.
Read more
March 12, 2026Comments are off for this post.
Sprive Cashback Explained: Gift Cards, Rates and Real-World Tips (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have used Shop with Sprive for my weekly shops since October 2021, alongside monthly auto-save overpayments on my mortgage, so everything below comes from buying gift cards at real checkouts.
This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them. CoolCuration is not authorised by the Financial Conduct Authority, and this is not financial advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Get the Sprive bonus first
Before we get into the mechanics, the current welcome offer and how to claim it are detailed on our referral page.
"Cashback towards your mortgage" sounds brilliant, until you hit the fine print: gift cards, checkout friction, and that one purchase that never tracked. This Sprive cashback explained guide covers how Shop with Sprive actually works in practice, which retailers are worth the effort, and a simple test for whether it's a genuine time-saver or just another app you'll forget about.
Getting more from Sprive cashback? The mechanics are below. For every other Sprive guide in one place, see our Sprive guides hub, updated as the app changes.
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