Have you tried Sprive?

It’s a free app, and it helps you put spare cash towards your mortgage so you can pay it off faster, potentially saving years off your mortgage term and saving up to thousands in interest. 

I also have a Sprive referral code 3OVDPUBK, so you can get the latest welcome bonus when you sign up, including Sprive Plus for free, and entry into their prize draw to win your next mortgage payment.

Simply enter the referral code when signing up to the app for the latest welcome offers.

The Sprive app is completely free to use. There are a few ways to save money in the app, which you can use to overpay your mortgage with one click of a button. 

They have lots of other cool features, such as seeing the best mortgage deal for that day with your current lender or with others.  Also, you can see at a glance the percentage of your home that you own.

Read on to learn more about the Sprive free money offer, referral scheme and my personal Sprive review of its best features and why I like this app.

Just here for the 2026 Sprive promo code?  

Enter Sprive referral code 3OVDPUBK when signing up to unlock the latest welcome bonus, including Sprive Plus for free, and entry into their prize draw to win your next mortgage payment.

Click here to download the Sprive app today using my referral link!

What is Sprive, and how can it help me overpay my mortgage?

Sprive is a really simple and easy-to-use app with features designed to help you save money on your mortgage.  It’s completely free to use.

So, how does Sprive work? Here's what you can do with the Sprive app to help pay your mortgage faster:

• Sign up to Sprive by clicking here and enter Sprive referral code 3OVDPUBK to unlock the latest free welcome bonus, including Sprive Plus and a prize draw entry to win your next mortgage payment!

• Autosave each month from your linked bank account and send to your mortgage with a simple click of a button in the app when you're ready to send

• Set how much you want to autosave; I have mine set from £25 to £75 per month - make sure you can afford the maximum and won't miss this money from your account

• Set an overpayment limit (handy if you can overpay your mortgage so much without fees e.g. 10% per year)

• View live mortgage deals to see if you can save money on your current interest rate (updated daily!)

• View your mortgage progress and the date you’ll be mortgage-free

• View your loan-to-value

• Easily see how much of your home you own (monetary and by percentage)

• Earn £5 per friend you refer using your Sprive referral link and code. (From time to time, Sprive also runs special referral offers, such as higher cash rewards, boosted cashback, or Sprive Plus access. Check your app for the latest refer-a-friend deal. At the time of writing, the referral reward is £5 per friend.)

• You can access free independent advice in your Sprive account

• Buy discounted gift vouchers for supermarkets and top retailers via the Sprive app, then use the cashback received to pay even more off your mortgage via a click of a button in the Sprive app

They say “Sprive is a mortgage assistant that uses smart technology to help you be mortgage-free, faster and helps you make sure you’re always on the best deal. You can use Sprive on your iPhone or Android smartphone.”

Click here to download Sprive today!

 

A screenshot from the Sprive app in August 2026 showing the Shop page and boosted cashback offers.

Sprive Referral Code For New Customer Welcome Bonus

Join Sprive today!

Have you tried Sprive? It’s free to download, and it helps you put spare cash towards your mortgage so you can pay it off faster and save interest.

It also gives you instant cashback on gift vouchers for the shops and supermarkets you love, so you can send this cashback to your mortgage to pay it off even faster!

Complete sign up with Sprive referral code 3OVDPUBK and get the latest free sign up bonus, including Sprive Plus and a prize draw entry to win your next mortgage payment. 

Click here to download the Sprive app today using my referral link!

Is Sprive safe?

Is Sprive legit?  Yes, Sprive is a safe app that does what it says.  We've been using it in our household since 2022, and everything has been fine.

It is regulated by the Financial Conduct Authority (FCA), which means that it has to meet certain standards of security and privacy. Sprive also uses bank-level security to protect your data.

According to their terms and FAQs:

"Sprive Limited is also a registered agent of Prepay Technologies Ltd, which is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (FRN: 900010) for the issuing of electronic money."

"If you have an e-money account, then the funds in your account are stored and protected. With an e-money account, your money is never invested or loaned out and is safeguarded in accounts that keep your money separate from the money we use to run Sprive."

Overall, Sprive is a safe and secure app that you can use to overpay your mortgage. If you are concerned about the security of your data, you can always contact Sprive's customer support team for more information.

Is Sprive app free?

Yes, the Sprive app is completely free to use. There are no hidden fees or charges.

 

A screenshot from the Sprive app in 2026 showing some of the special offers for boosted cashback rewards, and mortgage overpayment allowance which can be set, edited and updated in the app.

Sprive App Promos

Below are the current Sprive promos that are available at the time of writing to help you pay more of your mortgage.

New customers get a free welcome offer by signing up with my Sprive referral code

Complete sign up with my Sprive referral code 3OVDPUBK and get the latest new customer free welcome promos, including Sprive Plus for free, and entry into their prize draw to win your next mortgage payment.

Click here to download Sprive today!

Earn £5 per friend with the Sprive refer a friend scheme

When you invite a friend to Sprive using your referral link or code, they receive Sprive Plus and prize draw entry when they sign up.

As the referrer, you're entered into Sprive's weekly referral prize draw for each successful referral, up to 10 entries. Everyone in the draw wins something!

Prizes range from £5 up to £2,000 in mortgage overpayments, and if you don't land a top prize, you still win £5 multiplied by your number of referrals that week (so 10 referrals would be £50).

Once you've referred 10 friends in total, you're automatically moved onto the Sprive Ambassador Programme instead. From then on, you no longer get prize draw entries, but you earn a flat £10 for every successful referral going forward.

Referral rewards can change from time to time, so it's always worth checking the app to see the latest offer available.

What is the Sprive Ambassador Programme?

Once you've successfully referred 10 friends, you're automatically switched from the weekly prize draw to the Sprive Ambassador Programme.

From that point, you no longer get prize draw entries for new referrals, instead, you earn £10 for every successful referral going forward!

Get instant cashback on gift vouchers

Another great feature is the Sprive Shop, allowing you to purchase gift vouchers with instant cashback.

This cashback goes into your Sprive account and can be used to pay extra towards your mortgage or transferred to your bank account.

The Sprive cashback you receive varies based on the brand and the amount you spend. Sprive has teamed up with many popular High Street names and supermarkets, including Sainsburys, Asda, Just Eat, Waitrose, Costa, John Lewis, M&S, Deliveroo and many more.

Select the voucher you want and the amount, then make a secure payment from your banking app via Sprive. The cashback will go into your Sprive account. Mine is usually instant, and then you can send this cashback to your mortgage with one click of a button to reduce your interest even more and pay your mortgage slightly faster!

I use the Sprive app to regularly buy supermarket vouchers to do our weekly family grocery shop.  I then use the cashback to overpay our mortgage, helping to reduce the overall interest we will pay on our mortgage, and to help pay it off even quicker!

What does Sprive Plus actually include?

Sprive Plus unlocks access to over 1,000 additional online-only brands you can shop through for cashback, on top of the standard Sprive Shop's instant rewards on gift card purchases.

So while the free tier covers gift-card-based cashback at places like supermarkets and high street shops, Sprive Plus extends that to a much wider range of online-only retailers too.

You can unlock Sprive Plus by referring a friend to the app, or by using my Sprive Promo code 3OVDPUBK when signing up.

Click here to download Sprive today!

A screenshot from the Sprive app showing home ownership, making it easy to visualise how much of your home you own. 

Sprive review: things I like about the Sprive app

Here I'll share my Sprive review with you and my honest reasons why I recommend this mortgage overpayment app.

There are lots of features I really like about this app.  Mostly, I like how I can visualise my home ownership in a simple image that shows me exactly how much of my home I own.

With just an annual statement from my mortgage lender and an app that simply shows every payment, it sometimes feels like I’m getting nowhere with our mortgage payments and being able to fully own our home.  (A 30-year mortgage doesn’t really help with that!)

In recent years, we have really started overpaying our mortgage, including using apps like Sprive to help us.  It will be great to see our progress more clearly on the Sprive app to visualise our goal.

The Sprive app also shows just how much time can be saved on the mortgage term and how much interest can be saved by keeping up with the regular overpayments on the app.

There’s no commitment, though.  If you use the autosave feature on the app, you can pause or stop it at any time.  You can choose to just use the app for the instant cashback gift vouchers.

It’s also really quick and easy to sign up.  It finds your mortgage by checking your credit report, from the personal details you provide, so you don’t have to scurry around trying to find your mortgage number or anything like that!  I did check mine to make sure they had the right one before I sent my first overpayment, just in case, and it was fine. It had found my mortgage.

The Sprive sign-up bonus and referral scheme are great too. You can get a free welcome bonus for using my referral code.  And then, you can get £5 cash added to your balance for each friend you refer. (Subject to change!).  By the way, if you have a joint mortgage with someone else, you can refer them - I referred my husband to the app!

Right now, signing up with my referral code 3OVDPUBK gets you the latest welcome bonuses including Sprive Plus for free. You'll also be entered into their prize draw to win your next mortgage payment paid by Sprive, just by doing your first shop in the app. This particular prize draw runs until 3rd January 2027, so it's well worth grabbing while it's live.

Sprive's own referral policy confirms the bonus varies by campaign, some don't offer one at all, so what's on offer can change. But as of August 2026, this is the live offer, and for as long as I've been signed up, there's always been some new customer welcome bonuses to get with a referral code :) 

Complete sign up with my Sprive referral code 3OVDPUBK for the latest welcome bonuses and to kickstart your mortgage overpayment goals!

Click here to download Sprive today!

A screenshot from the Sprive app showing the huge amounts of mortgage interest savings and time savings on your UK mortgage by making small extra payments each day. 

Roundup of Sprive app pros and cons

The Sprive app is designed to help you save money by overpaying your mortgage. It's free to use on both iOS and Android devices.

To get started with Sprive, connect your bank and mortgage accounts within the app. Complete sign up with my Sprive referral code 3OVDPUBK and get the latest new customer signup offer.

Sprive uses your spending data to figure out how much extra you can pay towards your mortgage each month. Once set up, you can schedule regular payments from your bank account to Sprive, which will then be used to make overpayments on your mortgage.

In addition to this, Sprive offers several useful features:

• Track your progress towards becoming mortgage-free.
• Switch to a more favourable mortgage deal.
• Earn cashback while shopping with certain brands.

Sprive is regulated by the Financial Conduct Authority (FCA), ensuring your financial security.

For a quick-look Sprive app review, here are some of the main advantages and disadvantages of using Sprive:

Pros of using Sprive:

• User-friendly
• No cost involved
• Regulated by the FCA
• Helps you save on your mortgage
• Provides features for tracking progress and payment reminders

Cons of using Sprive:

• Requires linking bank and mortgage accounts, which some people may not be comfortable with
• Overpaying might not be feasible for everyone

In summary, Sprive is a great option if you're looking to make mortgage overpayments and save money. It's secure and easy to use. But remember, your personal circumstances should guide your decision to use the app.

Final word on Sprive mortgage overpayment app

The Sprive mortgage app is a great app with a great aim - helping people to realise the potential of overpaying a mortgage, even by just £25 per month.  It really can make a big difference in reducing the overall interest and length of the mortgage term.

Being able to visualise how much of your home you own and how long it will take to be mortgage-free are also great incentives to make overpayments and become better financially.

It's also so easy to sign up; you don't need to spend ages entering information, as they'll automatically get your UK mortgage details from your credit report. 

Don’t forget to sign up with my Sprive referral code!

Complete sign up with my Sprive referral code 3OVDPUBK today to activate the new customer welcome bonuses!

Click here to download Sprive today using my referral link!

Want more freebies and free money?

If you love this Sprive offer, then I have loads more referral codes and promo codes for you to get free cash, welcome bonuses and more from many other apps and websites. 

Check out our article on ways to get free money with lots of real ways to make money from home for free from new customer offers, to LISA bonuses, freebies, cashback and more, with lots of welcome bonus codes!

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