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Sprive App?

I’ve seen a lot of buzz around Sprive at the moment from people using it to overpay their mortgages. Has anyone used it before and is it worth doing? (Not looking for referral links, just reviews and info from people who know more about it than I do). 

Thanks in advance! 

Comments

  • KajiKita
    KajiKita Posts: 9,492 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    I looked at it but it's not linked to my mortgage provider (co-0p) so I can't use it.

    KK
    As at 15.01.26:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £222,084
    - OPs to mortgage = £12,881 Estd. interest saved = £6,203 to date
    c. 16 months reduction in term
    Fixed rate 3.85% ends October 2030

    Read 12 books of target 52 in 2026 as @ 10th February.
    Produce tracker: £39 of £400 in 2026

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • Yes I am using for my big weekly shop. Will be useful as I move house too for buying anything large. My workplace also does cash back offers but always been a faff to do but Sprive process is fine once all set up.
  • I've just signed up and so far have earnt £7 in two days just by purchasing things I was going to buy anyway (food shopping mostly) I thought I'd give it a try for a month or two to see how I get on. 


    £2021 in 2021 total =£2220.00

    £2022 in 2022 = £601.17
  • I have used it and it’s OK. 
    Works by front loading for purchase like a grocery gift card for the months shop, In general the rates are in line with theses from Jam doughnut and Cheddar just you withdraw cash back to the mortgage.

    As it’s cash back on a proportion of your discretionary spend it will never make a lot of money a month but every little helps.

    Challenges
    MFW 2026 #6 - 450/2,500

    Completed Challenges
    MFW 2025 #6 - 14,871.56/14,000
    MFW 2024 #35 - 9,000/9,000
    Pay off all debts by 2023 - #18 8,000 / 8,000

  • grumpy_codger
    grumpy_codger Posts: 1,473 Forumite
    1,000 Posts First Anniversary Name Dropper Photogenic
    edited 16 October 2025 at 8:32PM
    I installed it and checked few retailers - and their real cashback (not the deceitful 'supercharged' figures)  was the same or worse than with Everup and Airtime that I've been using.
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