Last updated: 19 July 2026
By Stiv ยท Design, technology and personal finance
I've been using Sprive with my Nationwide mortgage since October 2021. This guide is based on the actual setup process and over four years of daily use.
If you're trying to figure out what Sprive is and how the Sprive app works, you're probably weighing up whether it's worth the setup effort or whether you'll download it and never open it again. This guide covers the mechanics only: what you do in the app, what happens next, and what to check so you don't accidentally trip over your lender's overpayment rules.
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 information, not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority.
Just here for the sign-up bonus?
The current Sprive offer and the steps to claim it are always kept up to date on our referral page.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Read more