Sprive app Archives - COOLCURATION

May 22, 2026 — No Comments

We’re Paying Off Our Mortgage with Our Food Shop Cashback. Here’s How.

Last updated: 21 May 2026

Can grocery cashback from your weekly food shop pay off your mortgage? Not entirely, no. But we've been routing our regular shop through Sprive's cashback feature for over a year, and the numbers are starting to look genuinely interesting. A percentage of every Tesco and Sainsbury's shop now goes directly off our mortgage balance. We didn't change what we buy. We didn't change where we shop. We just changed how we pay, and our mortgage is shrinking faster because of it.

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. The cashback feature has been running alongside this for over a year. This post is based on real use and real numbers.

This article is for informational purposes only and does not constitute financial or mortgage advice. Cashback rates, retailer availability, and mortgage terms can change. Your home may be repossessed if you do not keep up repayments. CoolCuration is not authorised by the Financial Conduct Authority. We have a referral partnership with Sprive. Our experience and opinions are independent.

Published by Stiv in Cashback, Finance, Saving

Tags: cashback on groceries, food shop cashback, grocery cashback pay off mortgage, JamDoughnut, mortgage overpayment, pay off mortgage faster, personal finance uk, Sprive app, Sprive cashback, supermarket cashback UK, TopCashback

April 15, 2026 — Comments are off for this post.

How Does Sprive Make Money? The Business Model Explained (2026)

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.

Published by Stiv in Finance, Mortgage, Services, UK Made

Tags: fintech UK, how apps make money, How does Sprive make money, mortgage overpayment app, Open Banking, personal finance uk, Sprive, Sprive app, Sprive business model, Sprive cashback, Sprive remortgage, Sprive review

April 1, 2026 — Comments are off for this post.

Best Mortgage Overpayment Apps UK: Tested and Compared (2026)

Last updated: 29 March 2026

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. We've tested and compared the main contenders so you can pick the right one for how you actually manage money.

Published by Stiv in Finance, Mortgage, Saving, Services

Tags: best mortgage apps UK, cashback apps UK, Chip, chip app, Emma, mortgage apps UK, mortgage overpayment, mortgage overpayment apps UK, mortgage overpayments, Open Banking, pay off mortgage faster, personal finance uk, Plum, Plum app, savings apps, Sprive, Sprive app

March 12, 2026 — Comments are off for this post.

Sprive Cashback Explained: Gift Cards, Rates and Real-World Tips (2026)

Last updated: 29 March 2026

"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.

Published by Stiv in Cashback, Saving, Services, UK Made

Tags: cashback, cashback apps UK, cashback towards mortgage, gift card cashback, gift cards, mortgage overpayments, Open Banking, personal finance, personal finance uk, Shop with Sprive, Sprive, Sprive app, Sprive cashback, UK mortgages

March 5, 2026 — Comments are off for this post.

Sprive vs Manual Overpaying: Which Method Pays Your Mortgage Off Faster?

Last updated: 29 March 2026

If you're trying to pay your mortgage off faster, you've 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's not here to sell you on either option. It's here to help you pick the approach you'll actually stick with, because consistency is what moves the numbers.

Published by Stiv in Reviews, Saving, Services, UK Made

Tags: mortgage overpayments, mortgage savings, Open Banking, pay off mortgage faster, personal finance, personal finance uk, remortgaging, Sprive, Sprive app, Sprive vs manual overpaying, UK mortgages

February 8, 2026 — Comments are off for this post.

Sprive Mortgage App Review UK: Honest Verdict After 4 Years (2026)

Last updated: 19 April 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 been using Sprive with my Nationwide mortgage since October 2021, making £100 monthly overpayments through the app's auto-save feature. In that time I've overpaid a total of £3,294.55, including cashback from Shop with Sprive on our weekly shops. This review is based on over four years of real, 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. This Sprive mortgage app review focuses on what actually matters: how it works in day-to-day use, who it's good for, and where it falls short. It's not a sales pitch, and it's not a deep dive into regulation or bonuses. If you're mainly concerned about security and FCA regulation, we cover that separately: Is Sprive safe?

Cool Factor

★★★★☆

4 out of 5

Published by Stiv in Discount, Saving, Services

Tags: cashback apps, cashback apps UK, home finance UK, mortgage app, mortgage overpayments, Open Banking, pay off mortgage, pay off mortgage faster, personal finance tools, Sprive, Sprive app, Sprive mortgage app review, Sprive review, UK finance apps

February 5, 2026 — Comments are off for this post.

Is Sprive Safe? UK Security, FCA Status and Your Money (2026)

Last updated: 19 April 2026

By Stiv · 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.

Published by Stiv in Finance, Reviews, Saving, Services

Tags: best mortgage apps UK, How does Sprive make money, How does Sprive work, Is Sprive legit, Is Sprive safe, mortgage overpayment app, Open Banking apps UK, pay off mortgage faster, Sprive app, Sprive app review UK, Sprive cashback, Sprive FCA, sprive referral code, Sprive review, Sprive vs standing order, UK fintech review

October 29, 2025 — Comments are off for this post.

Amazon UK Cashback Hack: Turn Spending Into Mortgage Savings

Last updated: 24 March 2026

If you want to squeeze more value out of every Amazon UK order, this Amazon UK cashback hack is worth knowing about. The idea is simple: instead of buying directly from Amazon, you buy Amazon gift cards through the Sprive app, earn cashback on each card, and then funnel that cashback straight into your mortgage. Over time, those small percentages quietly chip away at your balance and interest. Combine it with a spending tracker like Emma to see exactly where your money goes, and you have a tidy little system that turns routine shopping into purposeful saving.

This is not financial advice. Always check your mortgage terms before making overpayments.

Published by Stiv in Cashback, Finance, Money saving, Mortgage, Saving

Tags: amazon cashback hack, amazon gift card cashback, amazon savings uk, amazon uk cashback, amazon uk discount, cashback apps UK, cashback mortgage hack, cool curation, emma app, money saving tips uk, mortgage overpayment, Sprive app, uk homeowners finance

October 8, 2025 — Comments are off for this post.

How the Sprive App Works: Step-by-Step UK Guide (2026)

Last updated: 19 April 2026

By Stiv · 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 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.

Published by Stiv in Finance, Personal finance, Saving, Services

Tags: cashback apps, cool curation, finance app, how Sprive app works, mortgage helper, mortgage overpayment, mortgage saving, Open Banking apps UK, pay off mortgage faster, personal finance uk, referral app, smart money apps, Sprive app, uk money tools

September 28, 2025 — Comments are off for this post.

Save Thousands on Your Mortgage UK: Practical Tips That Work

Last updated: 23 March 2026

If you want to save thousands on your mortgage in the UK, you don't need a financial planner or a lucky inheritance. You need a handful of practical, repeatable moves that chip away at the interest you're paying every single month. This guide covers the changes that actually move the numbers, from switching to a better rate to automating small overpayments, so you can keep more of your money where it belongs.

Published by Stiv in Apps, Finance, Money saving, Personal finance, Saving, Services

Tags: best mortgage apps UK, cashback towards mortgage, mortgage comparison tools, mortgage interest savings, mortgage overpayment calculator, mortgage savings, mortgage savings UK, mortgage tips UK, overpayment mortgage UK, pay off mortgage early, save thousands on your mortgage, Sprive app