April 15, 2026Comments are off for this post.
Last updated: 14 April 2026
If Sprive is completely free to use, how does Sprive make money? It's a fair question, and one you should always ask before trusting an app with your bank account and mortgage details. The short answer: Sprive earns from remortgage commissions and a share of gift card cashback revenue. The longer answer is worth reading, because understanding the business model helps you judge whether the app's incentives actually line up with yours.
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February 5, 2026Comments are off for this post.
Last updated: 19 April 2026
By Stiv ยท Design, technology and personal finance
I've had Sprive connected to my Nationwide bank account and mortgage since October 2021. Everything in this guide is informed by over four years of using the app with my own money.
Connecting a new app to your bank account and mortgage feels risky. I had the same reaction the first time I looked at Sprive: "wait, you want access to my bank so you can pay off my mortgage faster?" It sounded clever but also slightly terrifying. So before trusting it with my own accounts, I did a proper deep-dive into whether Sprive is safe, covering everything from FCA regulation and Open Banking security to how your money is actually held. Here's what I found.
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April 4, 2024Comments are off for this post.
Last updated: 22 March 2026
Is Sprive any good? That is the question most UK homeowners land on after hearing about the mortgage overpayment app for the first time. You have probably seen it on Dragons' Den, spotted it on Trustpilot, or had a friend mention it over a pint. The short answer: for most people with a mortgage who want to overpay but struggle to stay consistent, yes, Sprive is genuinely good. It is not magic, it is not going to halve your mortgage overnight, and it is not for everyone. But after using it for several months, I think it earns its place on your phone. Here is why.
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