sprive.com Reviews 1,075

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers praise the app for its ease of use and the significant impact it has on paying off their mortgages faster, often without changing spending habits. Many appreciate the ability to earn cashback and make extra payments, highlighting the app's effectiveness in helping them achieve financial freedom. The process of linking accounts and making payments is frequently described as straightforward and reliable. However, some people were dissatisfied with the retail experience, encountering issues such as slow loading times for the app at checkouts, difficulties with gift card purchases not loading, and problems with payment processing. A few users also noted that certain retailers were unavailable or that the process of checking gift card balances could be cumbersome.

What people talk about most

Application

Customers consistently note positive experiences with the app, finding it intuitive, easy to use, and a... See more

User experience

Customers generally report positive experiences with the user experience, often describing the app as easy to... See more

Payment

Consumers find payment to be positive, highlighting its ease and effectiveness in making mortgage... See more

Value for money

Reviewers mention positive feedback about value for money. Customers are impressed with the savings, with... See more

Retail

Clients share ambiguous opinions on retail. Many reviewers appreciate the wide range of participating... See more

Based on these reviews

Rated 5 out of 5 stars

Absolutely brilliant app! I've been using it since December & only wish I'd known about it sooner. I use it for everyday purchases where you literally get free money towards paying off your mortgage.... See more

Company replied

Rated 5 out of 5 stars

I'm loving Sprive! I've paid off £400+ on my mortgage in the first 4 months - not only because of the shopping percentage, but also because it has hugely motivated me to pay off little bits whenever... See more

Company replied

Rated 5 out of 5 stars

Love this app! OK, it's small amounts at a time for me, but it all adds up. Better being paid off my mortgage, than doing nothing. Also, large range of participating retailers and travel companies.

Company replied

Rated 5 out of 5 stars

Absolutely loving sprive - I’ve never used cash back and this really appealed to me because it was paying off my mortgage. It’s so simple to use and it’s making such a difference without changing my s... See more

Company replied


Company details

  1. Mortgage Broker

Written by the company

Sprive is the free app that helps UK homeowners become mortgage-free faster and save thousands in interest. By doing your everyday shopping through the app, you earn money within minutes to pay towards your mortgage in one tap. There are over 95+ brands available such as ASDA, Tesco, Sainsbury’s, M&S, Costa Coffee, ASOS, IKEA and many more. You can choose to turbocharge your savings by using the AI enabled auto-saving feature. The app will automatically set aside spare cash within your set saving limits,so you can pay your lender in one tap, and track your progress toward mortgage freedom


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

1K reviews

5-star
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1-star

Replied to 98% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Don't miss out on free money.

What a brilliant app.
So easy to use and understand.
Easy to earn money to pay off your mortgage earlier.
The worst thing is remembering to use it every time.
A must if you want money for nothing.

4 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Marie,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 3 out of 5 stars

Overall great concept and love being…

Overall great concept and love being able to earn cash back to use against mortgage overpayments. However a recent update means I can no longer see my mortgage balance. This was one of the main reasons I would regularly log in. Also it is very frustrating that Sprive + is only available to those who refer others- which is something I do not want to do

4 April 2026
Unprompted review
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Reply from sprive.com

Hi Neil,

Thanks for your honest feedback. We’re always working to improve and have passed your comments to our product team for review.

Regarding your Sprive Plus access, if you're able to email us at hello@sprive.com, we'll be happy to assist you further.

Best
Team Sprive

Rated 5 out of 5 stars

One of my most used apps!

It is a lovely feeling to know that while spending money on daily expenses you can also be chipping away at your mortgage at the same time!

4 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi there,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Incredible app

Incredible app. Using it to overpay with cash back when I shop, but also free mortgage broker to switch and also super handy with switching utilities. I used it to change my gas and electric, it automatically found by current provider and shared handily what the current and new tariff rates would be side by side

4 April 2026
Unprompted review
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Reply from sprive.com

Hi Gaurav,

We’re really glad to hear you're finding the app helpful and easy to use. Your support means a lot to us! If there’s anything else we can do for you, just reach out at hello@sprive.com.

Best,
Team Sprive

Rated 1 out of 5 stars

Scam

Scam! Stay away

4 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Vas,

If there’s anything specific you’d like to raise, don’t hesitate to contact us at hello@sprive.com.

Best
Team Sprive

Rated 5 out of 5 stars

Highly recommend

Highly recommend. I use this a few times a week and when I do my big shop.
Been using it 3 months and already it says i'm on track to save 18 months off paying my mortgage

3 April 2026
Unprompted review
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Reply from sprive.com

Hi Jessica,

We’re really glad to hear you're finding the app helpful and easy to use. Your support means a lot to us! If there’s anything else we can do for you, just reach out at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

I wish I'd known about Sprive sooner!

I wish I'd known about Sprive sooner!
I've been using it since February and I mainly use it for my weekly food shops. I love that you can buy a voucher for the exact amount you need - to the penny!
Getting something to pay off against your mortgage when it's money you'd be spending anyway is fab.
Just watch out for in store/online only vouchers, I got caught out once by that - totally my own fault!

15 February 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Rebecca,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Brilliant

Brilliant! I'm so pleased I discovered this app!
If you could get Lidil on board that would be even more amazing!!

3 April 2026
Unprompted review
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Reply from sprive.com

Hi Charlotte,

We are pleased to hear that you're enjoying using the app and for your great suggestion! We’ve shared this with our product team.

If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Cannot fault it

Cannot fault it, I hope over time the interface can be sped up, so that buying the giftcard is quicker and more seamless but for where the tech is right now its superb

3 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Daniel,

Thanks for taking the time to leave feedback and for your great suggestion! We’ve shared this with our product team.

We’re always looking for ways to improve, so if there’s anything else we can do better, feel free to drop us a line at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Amazing idea & app

Amazing idea & app. I just wish I’d known about it earlier. Money off my mortgage for doing my usual shopping.
Great for online purchases & I use self checkouts where possible in store as buying gift cards at the till can be slow or add up as I go along & purchase in queue.

3 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Angela,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Brilliant idea

Brilliant idea. It's small amounts but they add up and it's satisfying when you pay something off your mortgage.

2 April 2026
Unprompted review
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Reply from sprive.com

Hi Joe,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Amazing app wish I had started using sooner!!

Amazing app wish I had started using earlier, really easy to use, great percentage offered, sometimes a bit of a issue with signal at the till in-store but easily overcome by adding to wallet first and not sprive's fault, it's basically free money for doing my everyday shopping, already really seeing the difference in my mortgage balance, I can not recommend more!!

2 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Sarah,

Thanks for your review! We're glad you're enjoying the app. If you ever run into any questions or need help with anything at all, don’t hesitate to contact us at hello@sprive.com - we’re here to help!

Best,
Team Sprive

Rated 5 out of 5 stars

Great app 👌

Great app 👌
Just wish the budget supermarkets were on board!
Sometimes not great when signal is poor, so you need to do to gift card purchases ahead if that's a particular issue.

2 April 2026
Unprompted review
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Reply from sprive.com

Hi Helen,

Thanks for your review! We're glad you're enjoying the app. If you ever run into any questions or need help with anything at all, don’t hesitate to contact us at hello@sprive.com - we’re here to help!

Best,
Team Sprive

Rated 2 out of 5 stars

Love the idea in principle but when…

Love the idea in principle but when something goes wrong there is no telephone number and they aim to respond to your email in '1 working day'. I bought a large gift card to spend on my food shop. The money left my account. It said that my gift card was ready but when I clicked on it, it said there was a problem and it couldn't load the giftcard. I have now had to pay again for my shopping- leaving me feeling very anxious because we are on a tight budget and there is no human to talk to about it. Tomorrow is a Bank Holiday and so is Monday so I may now not hear anything until Tuesday! I think it's fine to have an email Customer Services that responds in 1 working day for general enquiries but not when something goes wrong. It also makes me feel uneasy about buying future gift cards as currently I have no idea if I will get my money back and if so, when.

2 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Charlotte,

Thank you for taking the time to share your experience. We’re really sorry for the stress this caused, especially when you were relying on the voucher for an essential shop.

At the time, there was a wider issue affecting the brand’s systems, which impacted voucher loading. This has since been resolved, and you should now be able to view and use your voucher in the app as normal.

Rest assured the voucher is valid for several years, so it can be used on a future transaction whenever it’s convenient for you.

If you’re still facing any issues, please feel free to reach out to us at hello@sprive.com and we’ll be happy to assist further.

Thank you again for your feedback, we really appreciate it.

Best
Team Sprive

Rated 5 out of 5 stars

Amazing app!!!

Amazing app, free money off your mortgage it’s literally a no brainer! Super user friendly

2 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Aimee,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Excellent app works really well

Excellent app works really well. Allows us to pay £20-£30 off mortgage every month for free basically

2 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Tim,

We’re really glad to hear you're finding the app helpful and easy to use. Your support means a lot to us! If there’s anything else we can do for you, just reach out at hello@sprive.com.

Best,
Team Sprive

Rated 4 out of 5 stars

Sprive is great

Sprive is great. It’s easy to use and easy to save. My loss of 1star in a because the link you Amazon is broken and I’m a heavy user of Amazon. To be fair to Sprive this could be an Amazon issue. Get the app it’s great.

1 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Catherine,

Thanks for your review! We're glad you're enjoying the app. Amazon is currently unavailable. We’re in touch with the brand.

If you ever run into any questions or need help with anything at all, don’t hesitate to contact us at hello@sprive.com - we’re here to help!

Best,
Team Sprive

Rated 5 out of 5 stars

I have been using this for a couple of…

I have been using this for a couple of months and wish I had started it sooner. Absolutely excellent and so easy and straightforward. Will definitely recommend and continue to use

1 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Sally,

We’re really glad to hear you're finding the app helpful and easy to use. Your support means a lot to us! If there’s anything else we can do for you, just reach out at hello@sprive.com.

Best,
Team Sprive

Rated 5 out of 5 stars

Innovative way to make overpayment on the mortgage

General:
My husband and I've been using Sprive for the last 3 months, since we say the app presented on Dragon Den. We put all our usually shopping, Tescos, Halfords etc on Sprive. Its been a fantastic way to make overpayments on the mortgage.

The App:
The app is really easy to use, self explanatory and comprehensive in what i need it to do. However the app can be a bit clunky, it does not always load the gift card properly or the app fails, this is not all the time but perhaps during peak shopping times. To avoid this my husband and i put a fixed amount on Sprive, we save the gift card to our google wallets and use it till the money runs out and top up afterwards. The app requires pre planning, you need to read the T&C for example the boots sprive does not allow you to use it in stores, its online only which means if you spend less then a certain amount you have to pay p&p.

Overall its a great app, we use it all the time and have made healthy overpayments as a result of it, we look forward to the app and more shops being added on such as Aldi. Thank you

1 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi Jana,

Thanks for your review! We're glad you're enjoying the app. If you ever run into any questions or need help with anything at all, don’t hesitate to contact us at hello@sprive.com - we’re here to help!

Best,
Team Sprive

Rated 5 out of 5 stars

Mortgage reduction

Helps reduce my mortgage and the process os quite seamless.

1 April 2026
Unprompted review
sprive.com logo

Reply from sprive.com

Hi there,

We are pleased to hear that you're enjoying using the app. If you have any suggestions for us to improve or need any assistance, simply contact us at hello@sprive.com.

Best,
Team Sprive

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