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?
May 22, 2026Comments are off for this post.
We’re Paying Off Our Mortgage with Our Food Shop Cashback. Here’s How.
Last updated: 16 August 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 surprisingly compelling. 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 on your mortgage. CoolCuration is not authorised by the Financial Conduct Authority. This article contains affiliate or referral links, including to Sprive. 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.
Sign-up bonus before you shop
The current Sprive welcome offer, plus the claim steps, are kept fresh on our referral page.
Curious about the food shop trick? The full story is below. For every Sprive guide in one place, see our Sprive guides hub.
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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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March 28, 2026Comments are off for this post.
Best Cashback Apps UK 2026: TopCashback, Sprive & Airtime
Last updated: 9 June 2026
By Stiv · Design, technology and personal finance
If you're still paying full price for your groceries, energy bills and online shopping in 2026, you're leaving hundreds of pounds on the table. The best cashback apps UK shoppers use have evolved far beyond basic reward schemes, with some offering instant payouts while others help you pay off your mortgage faster. We tested the UK's most popular cashback platforms to find out which ones actually deliver.
Whether you want passive earnings through card-linked tracking, instant supermarket discounts or mortgage overpayment bonuses, there's a cashback strategy that fits your spending habits. Here's everything you need to know about the best cashback apps UK shoppers are using in 2026.
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 information, not financial advice.
Our top cashback pick
If you only set one app up, TopCashback is the one I reach for first. It covers the most retailers and pays out from just £1.
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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: 19 July 2026
By Stiv · Design, technology and personal finance
I have used Shop with Sprive for my weekly shops since October 2021, alongside £100 monthly overpayments on my Nationwide mortgage, so everything below comes from over four years of buying gift cards at real checkouts.
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. 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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February 5, 2026Comments are off for this post.
Is Sprive Safe? UK Security, FCA Status and Your Money (2026)
Last updated: 19 July 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.
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. 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.
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.
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