Sprive app Archives - Page 2 of 2

April 1, 2026 — Comments 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.

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.

Published by Stiv in Finance, Mortgage, Saving, Services

March 12, 2026 — Comments 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.

Claim the Sprive bonus

"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.

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: 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.

See the Sprive sign-up offer

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.

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 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.

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: 24 October 2026

By Stiv · Design, technology and personal finance

I've had Sprive connected to my bank account and mortgage since October 2021, Nationwide first and Halifax since a June 2026 remortgage. Everything in this guide is informed by using the app with my own money since then.

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 checked whether Sprive is safe: who regulates it, how Open Banking protects your bank login, and where your money is actually held. Here's what I found.

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 does not give financial advice.

Already convinced and just want the bonus?

The live Sprive sign-up offer and the claiming steps are on our referral page.

See the current Sprive offer

Your home may be repossessed if you do not keep up repayments on your mortgage.

Checking Sprive out properly? Sensible. Once you have read this, our Sprive guides hub collects every guide we have written on the app in one place.

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 8, 2025 — Comments are off for this post.

What Is Sprive, and How Does the App Work? (UK Guide 2026)

Last updated: 24 October 2026

By Stiv · Design, technology and personal finance

I've used Sprive since October 2021, with Nationwide and now Halifax as my lender. This guide is based on the actual setup process and daily use since then.

How does the Sprive app work? You link a current account and your mortgage, then set a monthly saving range. Sprive collects money by direct debit into a safeguarded balance, based on your spending. With one tap, that balance goes to your lender as an overpayment. Cashback from gift cards bought in the app adds to the same pot.

The one thing to check first is your lender's overpayment allowance, usually 10% of the balance a year on a fixed rate. Go over it and you can pay an early repayment charge, so set the range with that limit in mind.

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.

Just here for the sign-up bonus?

The current Sprive offer and the steps to claim it are always kept up to date on our referral page.

Get the Sprive sign-up bonus

Your home may be repossessed if you do not keep up repayments on your mortgage.

Getting started with Sprive? This guide covers the basics. For everything else, from cashback to the prize draws, see our Sprive guides hub, all in one place.

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.

How to Reduce Mortgage Payments UK: Practical Ways That Work (2026)

Last updated: 13 October 2026. I checked every rate and lender option in this guide on how to reduce mortgage payments against the Bank of England, Moneyfacts and Citizens Advice on 13 October 2026.

By Stiv · Design, technology and personal finance

I've overpaid my own mortgage through Sprive every month since October 2021, and in June 2026 I remortgaged from Nationwide to Halifax. These are the moves I've actually used or weighed up for myself.

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. Consider speaking to a qualified mortgage adviser before you change your repayment plan.

Want the Sprive sign-up bonus?

If automated overpayments appeal, the current Sprive welcome offer and the steps to claim it are kept up to date on our referral page.

Get the Sprive referral bonus

If you want to reduce mortgage payments, there are two different jobs to do. The first is cutting what the loan costs you: getting off an expensive rate, timing your remortgage and plugging the leaks that drain your budget. The second, meanwhile, is lowering the monthly figure itself when money is tight. Be aware, though, that some ways to shrink the monthly payment cost you more over time.

Looking to clear it sooner instead? Our guide to paying off your mortgage faster is the speed plan, and everything we have written on Sprive, the app I use to overpay, sits in our Sprive guides hub.

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

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

January 1, 2025 — Comments are off for this post.

How to Pay Off Your Mortgage Faster (UK): 7 Moves That Save Thousands

Last updated: 13 October 2026

By Stiv · Design, technology and personal finance

This is the strategy I follow myself. I've been overpaying my mortgage since October 2021, with Nationwide and now Halifax, using a combination of Sprive's auto-save feature and tracking the impact over time. This is based on that real use.

If you want to pay off your mortgage faster in the UK, you don't need extreme budgeting or a "one weird trick". You need a clear plan that focuses on the biggest levers: interest rate, consistency, and avoiding fees. This page is the master strategy guide. It shows you what to do, in what order, and what to check so you don't accidentally trigger Early Repayment Charges.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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.

Grab the Sprive welcome bonus

If Sprive ends up being part of your plan, the latest sign-up offer and how to claim it live on our referral page.

See the current Sprive offer

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

Tags: cashback apps UK, compound interest savings, home finance UK, how to pay off mortgage faster, mortgage calculator, mortgage overpayments, mortgage repayment, pay off mortgage faster, Sprive app, Sprive review, UK mortgage tips