The best free budgeting apps in the UK for 2026, compared: what each free tier really includes, what is paywalled, and who each app suits.
July 25, 2026Comments are off for this post.
Best Free Budgeting Apps UK 2026
June 22, 2026Comments are off for this post.
How Does Sprive AutoSave Work?
Sprive AutoSave2026 Guide
How Sprive AutoSave decides what to move each month
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have overpaid my mortgage through Sprive since October 2021, with Nationwide and now Halifax, making regular overpayments through the app. Because of that, this guide to Sprive AutoSave comes from steady real use rather than a quick demo.
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.
This is general information, not financial advice. Sprive deals with your mortgage, so your circumstances matter and it is worth doing your own research.
Your home may be repossessed if you do not keep up repayments on your mortgage.
So what actually happens when you switch on Sprive AutoSave? In short, you set an amount, and each month it quietly moves that money into a holding pot inside the app, ready for your mortgage. Above all, you stay in control, because nothing reaches your lender until you tap to send it. Below, I walk through exactly how Sprive AutoSave works, where the money sits, and how to pause or switch it off, with notes from my own use since 2021.
Setting up AutoSave? The walkthrough is below. For every Sprive guide in one place, see our Sprive guides hub, updated as the app changes.
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April 15, 2026Comments are off for this post.
How Does Sprive Make Money? The Business Model Explained (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have used Sprive to overpay my mortgage since October 2021, with Nationwide and now Halifax.
Disclosure: 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.
Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage.
Want the sign-up offer?
Should you fancy trying the app while you read, the current welcome bonus and how to claim it are set out on our referral page.
View the Sprive referral offer
If Sprive is completely free to use, how does Sprive make money? It's a fair question, and one worth asking 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.
Digging into how Sprive works? Good instinct. For every guide we have written on the app, from safety to cashback, see our Sprive guides hub.
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April 1, 2026Comments are off for this post.
Best Mortgage Overpayment Apps UK: Tested and Compared (2026)
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have overpaid my own mortgage since 2021, with Nationwide and now Halifax, and have been testing mortgage overpayment tools throughout, including Sprive alongside manual standing orders and savings apps.
Disclosure: 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.
Not financial advice. CoolCuration is not authorised by the Financial Conduct Authority. This article is for information only. Your home may be repossessed if you do not keep up repayments on your mortgage.
After the Sprive bonus?
Sprive leads the comparison below, and the sign-up offer it currently runs is covered on our referral page.
Looking for the best mortgage overpayment apps in the UK? Whether you want an app that automates everything, a savings tool that builds your overpayment pot, or a budgeting app that finds spare cash you didn't know you had, there are more options in 2026 than ever. I've tested and compared the main contenders so you can find the right one for how you actually manage money.
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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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March 5, 2026Comments are off for this post.
Sprive vs Manual Overpaying: Which Method Pays Your Mortgage Off Faster?
Last updated: 13 October 2026
By Stiv · Design, technology and personal finance
I have been overpaying my mortgage since October 2021, with Nationwide and now Halifax, using Sprive's auto-save alongside manual payments, so this comparison is based on living with both approaches.
If you are trying to pay your mortgage off faster, you have got two realistic routes: use an app like Sprive to automate overpayments, or just do it yourself with a standing order. This guide compares Sprive vs manual overpaying honestly. It is not here to sell you on either option. It is here to help you pick the approach you will actually stick with, because consistency is what moves the numbers.
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. This is information, not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Trying Sprive anyway?
If the app route wins you over, the live sign-up offer and the claim steps are listed on our referral page.
App or standing order? The comparison is below. For every Sprive guide in one place, see our Sprive guides hub, kept current as the app changes.
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February 8, 2026Comments are off for this post.
Sprive Mortgage App Review UK: Honest Verdict After Five Years (2026)
Last updated: 24 October 2026
By Stiv · Design, technology and personal finance
This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.
I've used Sprive since October 2021, first on my Nationwide mortgage and, since a June 2026 remortgage, on a Halifax one. The auto-save started at £100 a month and runs at £250 now. By 13 October 2026 I had overpaid £10,237.41 through the app, mostly from the auto-save. This review is based on that daily use.
If you're looking for a realistic way to make progress on your mortgage without committing to rigid overpayments, the Sprive mortgage app is one of the better-known tools in the UK. Sprive has also pushed further into the mainstream in 2026, with a TV advert running on Channel 4 under the line "Shop away your mortgage. Brick by brick." After five years, my Sprive mortgage app review verdict is that it suits people who mean to overpay but never get round to it, and adds little if you already run a standing order. If you're mainly concerned about security and FCA regulation, we cover that separately: Is Sprive safe?
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 an opinion, not financial advice.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Short on time?
The current Sprive sign-up bonus and how to claim it are kept up to date on one page.
Claim the Sprive referral bonus
Cool Factor
★★★★☆
4 out of 5
Reading up on Sprive? This review is my verdict. For every guide we have written on the app in one place, see our Sprive guides hub, kept current as the app changes.
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