Seven supermarkets. Seven rates. One catch: the cashback never reaches your bank account, it goes straight at your mortgage. Here's exactly what Sprive pays at Tesco, ASDA, M&S and the rest, taken from my own app rather than a press release.
August 18, 2026Comments are off for this post.
Which Supermarkets Does Sprive Support?
Sprive's "win £2,000 a week" headline is technically true and quietly misleading. The Sprive prize draw is a referral draw, not an overpayment one, and most entrants take home £5 a referral paid straight to their lender. Three draws are live right now, including £10,000 via Just Eat until 31 August. Here is the honest arithmetic on all three.
July 20, 2026Comments are off for this post.
That Mortgage App on the Channel 4 Advert? It’s Sprive
Last updated: 20 July 2026
By Stiv · Design, technology and personal finance
I have used Sprive with my Nationwide mortgage since October 2021, making regular overpayments through the app, so this is written from about four years of real use.
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. It is one homeowner's experience, shared to help you make your own call.
So you spotted the Sprive advert on the telly and wondered what that mortgage app actually is. Here is the short answer: yes, the mortgage app on the Channel 4 advert is Sprive, and it helps you chip away at your mortgage a little faster. Below, I explain what it does, whether it is legit, and what it is like after four years of real use.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Want to try the app from the advert?
The current Sprive sign-up offer and how to claim it are kept up to date on our referral page.
Just seen the advert? The app behind it is explained below. For every Sprive guide in one place, see our Sprive guides hub.
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June 30, 2026Comments are off for this post.
Sprive Gift Cards: The Reloadable Card Explained
Sprive gift cards are now reloadable. Here is how the one-card, Apple Wallet and auto top-up setup works, from four years of real use.
June 22, 2026Comments are off for this post.
How Does Sprive AutoSave Work?
Sprive AutoSave2026 Guide
Sprive AutoSave, explained in plain English
Last updated: 19 July 2026
By Stiv · Design, technology and personal finance
I have run my Nationwide mortgage through Sprive since October 2021, so more than four years now, 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 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 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 four years of real use.
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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May 5, 2026Comments are off for this post.
Mortgage Overpayment Savings: How Much Could You Save? (2026)
Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
I've been using Sprive with my Nationwide mortgage since October 2021, making £100 monthly overpayments through the app. This post is based on over four years of real use and real numbers.
Most people know they should overpay their mortgage. Almost nobody knows by how much, or what it actually saves them. So we built a free mortgage overpayment calculator to find out. Then we ran our own numbers through it. The mortgage overpayment savings took us by surprise. We've since added a compare-to-savings toggle so you can see whether overpaying or saving the same money comes out ahead at your specific rates.
This article is for informational purposes only and does not constitute financial or mortgage advice. Mortgage products, rates, and overpayment terms vary by lender. Always check your lender's overpayment policy before making extra payments. 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. CoolCuration is not authorised by the Financial Conduct Authority.
See your own overpayment savings
Our free calculator shows what your overpayments could save, and whether saving the cash instead would beat them.
Open the overpayment calculator
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April 29, 2026Comments are off for this post.
Sprive vs Plum vs Chip: Honest Comparison (2026)
Last updated: 20 August 2026
By Stiv · Design, technology and personal finance
I've been using Sprive with my Nationwide mortgage since October 2021, making £100 monthly overpayments through the app. This comparison is based on over four years of 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 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.
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.
Comparing money apps? The three-way verdict is below. For everything we have written on Sprive in one place, see our Sprive guides hub.
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April 22, 2026Comments are off for this post.
Best Apps to Save Money UK 2026: The Ones We Actually Use
Last updated: 10 June 2026
By Stiv · Design, technology and personal finance
There are hundreds of money-saving apps in the UK app stores. Most of them are rubbish. The best apps to save money are the ones we've tested over the past few years, narrowed down and kept on our phones because they actually work. No fluff, no apps we downloaded once and forgot about. Just the ones that earned a permanent spot.
Between the team we've got about 12 money apps installed. Half of them we actually use. The other half sit there judging us. We tried about 20 apps before settling on this list. Some were too fiddly. Some had great ideas but terrible execution. A couple were brilliant but shut down. These are the survivors.
This article is for informational purposes only and does not constitute financial advice. Some apps in this list offer savings and investment features. Your capital may be at risk. CoolCuration is not authorised by the Financial Conduct Authority. 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.
Our top money-saving pick
If you only set up one, make it Chip: it is the app that has quietly saved us the most by moving money before we miss it.
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April 16, 2026Comments are off for this post.
When Should You Remortgage UK? Timing, Tips and What to Watch For (2026)
Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
I've been remortgaging and overpaying my own Nationwide mortgage since October 2021, using Sprive to make £100 monthly overpayments. This guide draws on that real experience alongside verified market data.
Knowing when to remortgage UK is one of the most valuable financial moves you can make as a homeowner. Get it right and you could save thousands over the life of your deal. Get it wrong and you risk haemorrhaging money to your lender's standard variable rate while you scramble to sort a new deal. A surprising number of homeowners either leave it too late or jump too early and pay penalties they did not need to. Several of us on the CoolCuration team have remortgaged in the last couple of years, so this guide draws on real experience alongside verified market data.
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.
Important: This article is for informational purposes only and does not constitute financial or mortgage advice. CoolCuration is not authorised by the Financial Conduct Authority and does not provide regulated mortgage advice. Always consult a qualified mortgage adviser before making decisions about your mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.
Sprive welcome offer
Once the new deal is sorted and you turn to overpaying, the latest sign-up bonus is kept up to date on our referral page.
Check the current Sprive bonus
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April 15, 2026Comments are off for this post.
How Does Sprive Make Money? The Business Model Explained (2026)
Last updated: 19 July 2026
By Stiv · Design, technology and personal finance
I have a Nationwide mortgage and have used Sprive to make overpayments since October 2021, over four years of regular use.
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.
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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