Plum Archives - COOLCURATION

April 29, 2026 — Comments are off for this post.

Sprive vs Plum vs Chip: Honest Comparison (2026)

Last updated: 13 October 2026

By Stiv · Design, technology and personal finance

I've used Sprive since October 2021, making monthly overpayments on my mortgage through the app. This comparison is based on that real use alongside Chip and Plum.

Sprive vs Plum vs Chip is the question that keeps coming up whenever anyone in the UK talks about saving money automatically. All three apps promise to do the hard bit for you. But they are not the same thing, and picking the wrong one means you are either missing features you need or paying for ones you do not. Here is how they actually compare after months of using all three.

Between the team, we run all three. Sprive handles mortgage overpayments. Chip is our primary auto-saver. Plum runs alongside Chip so we can see how the two compare in real life. Each has earned its place on someone's home screen, but for very different reasons.

This article is for informational purposes only and does not constitute financial advice. Some apps in this comparison offer investing features, which carry risk including the possible loss of capital. 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.

Sprive's current sign-up offer

If Sprive ends up being your pick of the three, the latest welcome bonus is always on our referral page.

View the current Sprive bonus

Comparing money apps? The three-way verdict is below. For everything we have written on Sprive in one place, see our Sprive guides hub.

Plum App Review UK 2026: Verdict After 3 Months

Last updated: 7 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.

This article is for informational purposes only and does not constitute financial advice. Some features of Plum involve investing, which carries risk including the possible loss of capital. Always do your own research or consult a qualified financial adviser. 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.

Keen to give Plum a go?

Our Plum referral page shows any current new-user offer and walks through the sign-up, .

Try Plum via our link

Cool Factor

★★★☆☆

3 out of 5 · Cool

This Plum app review is based on three months of hands-on use. We set up Plum to run alongside our existing auto-saver to see whether it would earn a permanent place on our home screen. Plum is one of those apps that does a lot and wants you to know it. Auto-saving, round-ups, investing, bills management, cashback offers, interest-earning pockets. After three months of testing, here's whether all that activity translates into actually saving more money.

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.

Grab the Sprive offer

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.