This app helps homeowners pay off their mortgages faster by automatically saving spare cash and earning cashback rewards from everyday shopping. It allows one-tap overpayments to lenders and provides tools to track savings and remortgage potential.
Summarized from real user reviews of Sprive. Based on 5 reviews and a 5.0/5 average, it highlights the 7 positives and 7 negatives reviewers mention most about this Finance app.
26.0.11
July 15, 2026
Reloadable & Offline wallet
5 issues
App crashes and freezes frequently
Voucher balances not updating correctly
6 requests
Add more retailers like Aldi, Lidl, and Smyths
Improve app stability and reduce glitches
Sprive is a mortgage management app designed to help homeowners pay off their mortgages faster and save on interest. It facilitates this by allowing users to automatically set aside spare cash and earn cashback rewards from their everyday shopping, which can then be used for mortgage overpayments.
You can earn cashback on everyday shopping by using specific shopping cards linked to the app at participating UK brands. These rewards, which can be up to 15% at top retailers, are credited to your Sprive account within 15 minutes and can be put towards your mortgage.
Yes, Sprive is completely free to use. The app does not charge any fees for its services. It is designed to help you save money on your mortgage, not to cost you more.
To set up Sprive, you will need to create an account by providing some personal information such as your name and address. You will also need to connect your bank account so the app can automatically source your mortgage details and manage your savings and payments.
Sprive supports a wide range of UK mortgage lenders including Barclays, HSBC, Lloyds, Nationwide, and Santander. It also partners with numerous popular brands for cashback rewards, such as Amazon, M&S, ASDA, Deliveroo, and IKEA.
