Last updated: 16 September 2026. Every one of the Sprive supported lenders named here came off sprive.com/faq, read on 7 September 2026.
By Stiv · Design, technology and personal finance
My mortgage has been with Nationwide since October 2021, and Sprive has been pushing £100 a month at it through the app for nearly five years. So I answered the lender question for myself long before writing this.
Affiliate disclosure: This article 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.
This is not financial advice. CoolCuration is not authorised by the Financial Conduct Authority, and I write here as a Sprive user rather than as an adviser. Check your own mortgage terms, and speak to a qualified mortgage adviser before changing how you overpay.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want to check whether your lender is in the app?
I keep the current Sprive sign-up offer, and the steps to claim it, up to date on my referral page.
Sixteen on the list, fourteen in the sales line
Sprive's FAQ names sixteen Sprive supported lenders. Meanwhile the download banner at the foot of that same page says the app supports fourteen. Both were live on 7 September 2026, and Sprive does not explain the gap. Nationwide sits on the list, which is why the app has worked on my own mortgage since October 2021. If your lender is missing, Sprive asks you to email and wait.
The sixteen Sprive supported lenders
Here they are in Sprive's own order, exactly as its FAQ lists them on 7 September 2026.
- Nationwide
- First Direct
- HSBC
- Lloyds
- Barclays
- Santander
- RBS
- Virgin Money
- Halifax
- NatWest
- Yorkshire Building Society
- Coventry Building Society
- Accord Mortgages
- TSB Bank
- Co-operative Bank
- Leeds Building Society
Sprive changes this list without announcing it, and there is no changelog to watch. So treat any list you read anywhere, including this one, as a snapshot with a date on it. The app checks your actual lender during sign-up, and that check is the only answer that binds.
Sixteen names, nine owners
Read as brands, the list looks like most of the high street. Read as companies, it is narrower. Seven of the sixteen names now sit inside another name on the same list, because British mortgage lending has consolidated hard over the past two years.
| Lender in the app | Who owns it |
|---|---|
| Nationwide | Member-owned building society |
| Virgin Money | Nationwide. The business transferred on 2 April 2026, after court approval on 23 February 2026. |
| HSBC | HSBC UK Bank plc |
| First Direct | A division of HSBC UK Bank plc |
| Lloyds | Lloyds Banking Group |
| Halifax | Lloyds Banking Group |
| NatWest | NatWest Group |
| RBS | The Royal Bank of Scotland plc, part of NatWest Group |
| Santander | Santander UK |
| TSB Bank | Santander. TSB's own site now carries the line "TSB joins Santander". |
| Yorkshire Building Society | Member-owned building society |
| Accord Mortgages | Yorkshire Building Society, and its intermediary lender |
| Coventry Building Society | Member-owned building society |
| Co-operative Bank | Coventry Building Society, with the business due to transfer into the society from 1 January 2027 |
| Barclays | Barclays |
| Leeds Building Society | Member-owned building society |
I checked every ownership line above against each lender's own site on 7 September 2026. It matters for one practical reason: if you hold two mortgages under two of these brands, you may be dealing with one lender's overpayment rules under two logos. Accord in particular is a broker-only lender, so you cannot have gone to it directly.
Sixteen on the list, fourteen in the sales line
Sprive's FAQ answer to "Which lenders do you support?" names sixteen. Scroll to the bottom of that same page and the download banner reads: "Sprive supports 14 of the largest lenders in the UK." Both were live when I read the page on 7 September 2026.
Sprive never says which number to believe. The sixteen come with names attached, though, while the fourteen is a bare count, so the FAQ answer is the more useful of the two and the table above copies it. If the answer matters to you specifically, the app's own sign-up check settles it for your lender in about a minute.
What Sprive says to do if your lender is missing
Email [email protected]. That is Sprive's own instruction, printed directly under the lender list, and it promises to tell you when it can help. There is no waiting list you can see, no published timetable, and no partial mode where the app does the shopping side without the mortgage side.
So if your lender is missing from the list, the honest answer is that Sprive cannot do anything for you yet. Chasing it costs one email. Meanwhile the overpayment itself does not need an app at all, and my guide to mortgage overpayments covers how to make one straight to your lender.
Sprive works on top of the mortgage you already have
Sprive does not lend, does not buy your mortgage and does not move it anywhere. Instead it sits alongside the deal you already hold. This is the thing people most often get wrong about the app. During sign-up it pulls your mortgage details from your lender, then it sends overpayments to that lender on your instruction.
Installing it therefore leaves your existing rate, term and early repayment charges exactly where they were. Appearing on the lender list is about plumbing rather than approval, too: it means Sprive can read your balance and pay money in, not that your lender has endorsed anything.
Sprive does separately scan the market and hand you to a mortgage adviser if it finds a cheaper deal. That is a different feature, and taking it up does change your mortgage.
The 10% cap, and the bit about "per year"
Being on the list does not make overpaying free of consequences. Sprive's own FAQ says so plainly, and so do I. Most lenders let you overpay up to 10% of your outstanding balance a year on a fixed deal, and going over that usually triggers an early repayment charge. Limits on tracker and variable products vary lender by lender.
Then there is the wording of "per year", which varies by lender. Some lenders reset the allowance on 1 January. Others reset it on the anniversary of your mortgage completing. Getting that wrong by a month is how a well-meaning overpayment turns into a charge, so confirm it with your own lender rather than assuming.
Sprive lets you set an overpayment limit inside the app and warns you as you approach it. It also cannot direct money at one particular sub-account: where your mortgage runs as two or more parts, most lenders spread an overpayment across all of them equally. My full breakdown of the rules sits at Sprive overpayment rules.
Sprive's FAQ also cuts against its own product on one point, and it is right to. Build an emergency fund and clear more expensive debt before you start overpaying a mortgage.
Who is regulated, and for what
Sprive Limited has Financial Services Register number 919863. For mortgage services it is an appointed representative of two principals: Connect IFA Ltd, firm reference number 441505, and New Leaf Distribution Limited, firm reference number 460421. Sprive's own site footer names both principals.
Money sitting in the Sprive wallet is a separate question. PrePay Technologies Limited holds it. PrePay is an authorised e-money institution with FRN 900010, so that money carries safeguarding rather than FSCS protection. Safeguarding keeps client money apart from the firm's own funds, either in an account at an authorised bank or under an insurance policy. In an insolvency you should get it back, although it can take longer and an administrator may deduct costs. The FCA explains the difference on its payment service providers page.
One wrinkle in Sprive's own copy: its FAQ answer under "Are you regulated?" still names only Connect IFA, while the footer of every page names both principals. I have gone with the footer, because naming both is the fuller position. I go further into the safety question at Is Sprive safe?.
Four things the lender list does not tell you
The list is a list of brand names. It says nothing about products, and Sprive does not publish that detail anywhere on the FAQ.
- Mortgage type. Sprive does not state which mortgage types the overpayment feature covers. The only mention of buy-to-let on its own pages sits in the fee terms for remortgage advice, which is a different service from paying money into an existing loan. So if you hold anything other than a standard residential repayment mortgage, ask before you sign up.
- Sub-accounts. No targeting. Where your mortgage runs as two or more parts, most lenders spread an overpayment across all of them.
- Your specific product. A lender appearing on the list does not guarantee that every product from that lender behaves the same way. Tracker and variable deals carry different overpayment limits, and Sprive says so itself.
- Changes to the list. It has held at sixteen names since at least 10 August 2026, and it changed before that. Nothing announces a change, so an undated list proves nothing.
Who it suits
The app suits someone whose lender is already on the list, who has a fixed residential mortgage, and who wants overpayments to happen without thinking about them. That describes me. My post on which supermarkets Sprive supports covers the cashback side, which routes grocery spending into the mortgage instead of a current account.
It suits you less if your lender is missing, if your mortgage is buy-to-let or interest-only, or if you have more expensive debt sitting somewhere else. In that last case Sprive's own FAQ would tell you to deal with the debt first, and I agree with it.
The rest of the Sprive cluster. Sprive guides indexes everything I have written about the app, from the cashback rates to the referral draws.
Sprive supported lenders: your questions
Does Sprive work with Halifax?
Yes. Sprive's FAQ names Halifax, and it names Lloyds too, which sits in the same banking group. Your Halifax overpayment allowance still applies, though, because Sprive pays into the mortgage rather than changing its terms.
Does Sprive work with HSBC?
Yes, and the FAQ lists First Direct separately as well. First Direct runs as a division of HSBC UK Bank plc, so both routes lead to the same lender behind the scenes.
Does Sprive work with Santander?
Yes. TSB Bank is on the list too, and TSB has now joined Santander, so that group appears twice under two names.
Does Sprive work with Nationwide?
Yes, and this is the one I can speak to directly. My Nationwide mortgage has taken monthly overpayments through the app since October 2021. The FAQ lists Virgin Money separately too, although its business transferred into Nationwide in April 2026.
Does Sprive work with Barclays?
Yes. Barclays is the only one of the sixteen with no sibling brand on the list.
Is Sprive free?
Sprive charges users nothing, according to its own FAQ. Instead it earns commission from a lender if you remortgage through it, plus a margin on the shopping rewards. Free to you does not mean free of commercial interest, so read the mortgage-switching prompts with that in mind.
Is Sprive safe?
Sprive Limited sits on the FCA register under number 919863 as an appointed representative for mortgage services. Money in the wallet carries PrePay Technologies Limited's safeguarding rather than FSCS cover, which is a genuine difference in protection.
What happens if my lender is not supported?
Email [email protected] and Sprive says it will tell you when it can help. There is no partial access in the meantime, so you would be waiting rather than using a reduced version of the app.
Does Sprive replace my mortgage?
No. It sits on top of the mortgage you already hold and pays money into it. Your rate, term and early repayment charges stay as they are, unless you separately choose to remortgage through the adviser Sprive introduces.
Before you go
Lender lists, offers and terms change, and this one changes without notice. Everything above reflects sprive.com/faq and each lender's own site as read on 7 September 2026. This article is not financial advice and it does not account for your circumstances. CoolCuration is not authorised by the Financial Conduct Authority, so consider speaking to a qualified mortgage adviser before you change how you overpay.
This article 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.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Featured image: "Terraced Houses on Sandycombe Road" by James Emmans, via Geograph Britain and Ireland, CC BY-SA 2.0, cropped.
More from CoolCuration
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- Mortgage overpayment calculator: see what an extra £50 a month does to your term.
- Best current account UK: the switching bonuses I found when I last priced the market.
- Chip: the savings app I use for the emergency fund that comes before overpaying.
- Gifts for a new home: for the friend who has just taken on one of these mortgages.
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