# Sprive - Mortgage Free, Faster — user reviews > 563 indexed App Store user reviews of Sprive by Sprive Limited, rated 5.00/5 from 5 ratings. - Source: https://appshunter.io/ios/app/sprive-mortgage-free-faster/id1504836142/reviews - App overview in markdown: https://appshunter.io/ios/app/sprive-mortgage-free-faster/id1504836142.md - Rating breakdown: 5★ 5 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 0 ## What do users think of Sprive? Overall sentiment: positive **Pros** - 🚀 Easy to use - 💰 Free money towards mortgage - 🔒 Secure app - 📈 Helps pay off mortgage faster - 🤑 Cashback on everyday spending - 🎉 Great idea - 📊 Useful insights into spending and mortgage **Cons** - 🐛 Glitchy and buggy app - 🕰️ Clunky process to buy vouchers - 🤔 Limited retailer options - 🔍 Difficult to navigate app - 🔑 Frequent log-outs and sign-in issues - 💳 Doesn't support credit cards - 🤷‍♀️ Inconsistent cashback rates **Commonly reported bugs** - App crashes and freezes frequently - Voucher balances not updating correctly - Mortgage details not syncing properly - Surveys often fail to complete - Unexpected charges and deductions from accounts **Most requested features** - Add more retailers like Aldi, Lidl, and Smyths - Improve app stability and reduce glitches - Streamline the voucher purchase process - Introduce automatic transaction tracking - Allow mortgage overpayments without vouchers - Provide more flexible payment options ## Newest reviews (19 of 563) ### 4/5 — Brilliant *2026-08-22* It’s not very often that I write a review or recommend to others but I’m doing both. This really helps to focus on your mortgage and how much you can save. Really looking forward to bringing my mortgage down. Only issue I have had is Apple Pay keeps declining so I have to use bank transfer which is fiddly and time consuming. Hopefully will be able to fix soon. Update - didn’t work as it doesn’t let you pay by credit card. That’s annoying as I get cash back on all purchase with my credit card. Please change this to aloe consumers to make their own educated choice on payment method. Removing a star due to this but would be back at 5 stars if that changes in future ### 4/5 — A great idea! *2026-08-20, version 27.0.1* A really great idea! Can’t wait to start seeing the benefit. Just hope they add some more retailers. ### 4/5 — Really works *2026-08-17, version 27.0.1* I was sceptical about this but it really works. The only issue is that you need WiFi and if you’re buying the exact amount, it can take a minute to sort it and can be a bit stressful in a queue. I’d buy in advance. ### 3/5 — Great but app too slow *2026-08-14, version 27.0.1* I want to give this app 5 stars as the idea is great - love it, but execution needs work as more times than I can mention I’ve gone to open the app to access my vouchers & it’s just taken too long to either open or there’s been an update and I’m faced with having to login again which I’m not going to do at a busy checkout. If the app was more efficient/smoother it’d be 5 star. ### 5/5 — Buzzing for this *2026-08-12, version 27.0.1* This app is brilliant and I have settled into my routine of always using it when I shop. So far since I started using this app in April I’ve paid over £100 towards my mortgage and my be won £5 each time any referrals I’ve made are acted upon. Yes if would be great to win the £2000 but hey..I think I’m still winning regardless. It’s like we’re cheating the system just a little bit at a time and if feels great! I shall miss this app once my mortgage is paid off 😎😂 ### 5/5 — Brilliant App *2026-08-12, version 27.0.1* Easy to use. Really good way to save money and you can eithet withdraw the cash or one click to send it to mortgage. Make sure you use code EVQKW0JQ when you sign up to gain access to all available retailers straight away otherwise you only get some shops. ### 5/5 — Essential app for homeowners *2026-08-11, version 27.0.1* No brainer, the pounds saved really do add up when you consistently use it, even for just the grocery shop. ### 5/5 — Great little app! *2026-08-10, version 26.0.11* Was put off using this app for some time as I thought it wasn’t genuine. How wrong I was and wish I had signed up sooner. Yes I’m not going to pay my mortgage off any time soon, but every little helps and all that. So easy to use too. Very impressed x ### 5/5 — Sprive review *2026-08-10, version 26.0.11* Good app as it’s very easy to follow and the stores are popular ### 5/5 — No Brainer! *2026-08-09, version 26.0.11* Bit sceptical at first but once you get in the habit it is amazing to see your mortgage term reduce just by doing the things you normally do. No brainer!!! Thank you. ### 5/5 — Used Weekly *2026-08-09, version 26.0.11* Brilliant, easy to use and will save us in the future!! ### 5/5 — Great app! *2026-08-08, version 26.0.11* Excellent app! Really impressed ### 5/5 — Mortgage free faster *2026-08-08, version 26.0.11* Great little app. Live updates and future predictions of being mortgage free early. ### 5/5 — No brainer *2026-08-05, version 26.0.11* Great idea, it’s free money why wouldn’t you! Use as you go the best one is the weekly shop it’s going to knock loads of interest off our mortgage. ### 5/5 — Great App! *2026-08-04, version 26.0.11* Fantastic app helping me overpay my mortgage. I’ve shared with a lot of people and they are loving it too. Keep adding more businesses to the app please! ### 4/5 — A great idea 4.5 starts *2026-08-04* This is such a great concept and over all works extremely well. I have used other “cash back” apps and none work as quickly on store like this so it makes using the reloadable cards etc so easy but I have had a few issues. Some of the gift card balances don’t seem to update once you’ve used them or even when you refresh them in the app, they can be frustrating if you’re trying to figure out what you’ve got left and what you need to add. The other issue I’ve had is cards like HelloFresh are quite painful to redeem via the app, I ended up figuring it out with the help of google. Overall I think it’s a great idea and who doest want free money to knock off some mortgage! I imagine larger families must save a fortune if used properly, we are a house of 2 and I’m 2 days I’ve added over £5 to savings pot just with general spending 🙌🏼 ### 5/5 — Best app for finance *2026-08-04, version 26.0.11* Getting on the property ladder is hard enough, but to be mortgage free early through everyday spending is the real cherry on top! ### 5/5 — So far so good *2026-08-03, version 26.0.11* Keep saving money without missing it ### 5/5 — Easy way to overpay mortgage *2026-08-03, version 26.0.11* Sprive makes overpaying your mortgage so easy simply by doing the shopping I would be doing anyways! ## Most critical reviews (10 lowest-rated) ### 1/5 — Can’t even set it up *2026-08-10, version 26.0.11* Looks like if your mortgage lender isn’t a big bank you can’t even set the app up. Useless ### 1/5 — Can’t register *2026-07-28, version 26.0.11* Gave up because the app won’t let me link my accounts ### 1/5 — Great idea. App is so annoying *2026-07-25, version 26.0.11* I don’t want to have notifications on. I get two reminders before the app properly opens to turn them off which I have to decline twice. It also opens on the “tell us everything about your mortgage deal so we can flog you a new one when it’s up” page every time I log in. Little things but really detracts from what is otherwise a great app. ### 1/5 — Check your Bank Account is Compatible *2026-07-21, version 26.0.11* Sadly was a waste of time for me. My bank account can’t link to the app so is useless. Wish this was made clearer at set up of account. Support team were not super helpful. ### 1/5 — Increasingly irritating *2026-07-17, version 26.0.11* The app is becoming increasingly irritating to use, from being forced to update to latest versions whilst in the shop waiting with poor signal, to being promoted not once, but TWICE every time I open the app to enable notifications (not sure how that got through app store approval!!!), I just want to get the vouchers, stop adding walls to get through just to make the app usable. ### 1/5 — ***Avoid to get scammed*** *2026-07-07, version 26.0.6* I deeply regret trusting sprive with my money I signed up because the app seemed credible and professional and I genuinely believed it would help me manage my mortgage overpayments effectively but the took my £50 voucher money and now they are not refunding my money even though i have all of my proof being provided and they have very slow response to address the issue I am reposting my experience to the relevant authorities ***** don't get yourself be scammed with sprive ****** ### 1/5 — Can’t verify identity *2026-06-13, version 25.1.7* Trying to register and the screen for previous address is blank and I cannot move on to register. Unsure if this is a temporary issue with app or what is going on. Also seems unclear why they need access to bank transactions, balance and payments and credit report rather than just asking for the mortgage account details? Would be good if this was better explained when signing up too. ### 1/5 — Broken *2026-06-07, version 25.1.7* Money for my Tesco voucher came off my bank over 24hrs ago and app still “processing” voucher !! Emailed company numerous times and no response so far !!! ### 1/5 — Useless *2026-05-21, version 26.6.11* On setting this ap up, I put an incorrect email address in & haven’t been able to change it. I’ve deleted & added the ap & it won’t let me change it! So never been able to use it. Completely useless ### 1/5 — Love the concept, hate the app *2026-05-20, version 26.6.11* Found out about this app a week before I was due to complete on my first home and absolutely loved the idea of it. When trying to link my bank account and mortgage, it just takes you around in circles and seems impossible to verify things. Also not too keen on the idea of gift cards as they are non refundable, so can’t guarantee that money isn’t going to be wasted if things need to be returned. Overall disappointed with the execution of the app.. Needs a lot of work IMO ## Most praised reviews (10 highest-rated) ### 5/5 — Such a good tool! *2026-08-20, version 27.0.1* So easy to use and accepted in a lot of shops I already use! Great incentive to try save and reduce your mortgage. ### 5/5 — Can’t believe this is actually real *2026-08-18, version 27.0.1* So lemme get this straight. You’re helping pay my mortgage by spending what I’d normally spend- in shops I’d usually shop. Unreal. Count me in until my mortgage is paid ### 5/5 — Easy to use *2026-08-17, version 27.0.1* We have been using this app for last 6 months or so, it is pretty simply once you get use to the habit of using it. We have not yet used it to repay as will do this at the end of the year, it is nice to put bit of cash away almost forget about it until we use it. ### 5/5 — Brilliant *2026-08-16, version 27.0.1* It’s not very often that I write a review or recommend to others but I’m doing both. This really helps to focus on your mortgage and how much you can save. Really looking forward to bringing my mortgage down. Only issue I have had is Apple Pay keeps declining so I have to use bank transfer which is fiddly and time consuming. Hopefully will be able to fix soon. ### 5/5 — So far so good! *2026-08-16, version 27.0.1* Loving Sprive it really is making a difference and I’m only spending what I usually would anyway! Just wish Amazon would come back! ### 5/5 — A must have *2026-08-16, version 27.0.1* Not sure why anyone with a mortgage wouldn’t use this. Use my referral code, I promise you won’t be disappointed!! 6MVTK9LK Sprive referral code!! ### 5/5 — Absolutely love it *2026-08-12, version 27.0.1* It’s free money - what’s not to love! It’s very satisfying seeing the rewards adding up without having to spend any more than you would be spending anyway. I put my mortgage terms into Chat GPT and asked it to calculate how much each Sprive payment was saving me in future interest. It’s very addictive once you start totting up the savings. 😄 ### 5/5 — Sprive *2026-08-12, version 27.0.1* It’s little effort when spending the money anyway and the benefits are great. ### 5/5 — Thumbs up! *2026-08-12, version 27.0.1* Easy to use, and gets money off your mortgage! ### 5/5 — Sprive *2026-08-12, version 27.0.1* We love sprive, I tell everyone about it. It is such a great way to chip away at the mortgage while following our usual spending patterns --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*