If you’re joining Sprive, you can use my Sprive referral code INRWFKGS when you create your account.

I’ve personally used Sprive since 2022 to make mortgage overpayments and earn cashback towards my mortgage, so this isn’t just a referral code I’ve found online. I’ve been using the app for several years.

Current Sprive referral offer

Sprive referral code: INRWFKGS

Enter INRWFKGS when registering with Sprive.

At the time of writing, new members who join using a referral code and buy their first gift card are entered into Sprive’s monthly prize draw for the chance to win their mortgage payment.

Referral code: INRWFKGS

Offers can change, so it’s worth checking the terms shown in the Sprive app when joining.

How to use my Sprive referral

Using the code is straightforward:

1. Download the Sprive app.
2. Create your account.
3. Enter referral code INRWFKGS during registration.
4. Connect your mortgage and bank account.
5. Buy your first eligible gift card.
6. You’ll be entered into the monthly mortgage payment prize draw, subject to the current offer terms.

Make sure you enter the referral code when registering rather than waiting until later.

What is Sprive?

Sprive is a free UK mortgage app designed to help you pay your mortgage off sooner.

You connect the app to your bank account and mortgage using Open Banking. Sprive can then help you put money aside for mortgage overpayments.

You can choose how much you want to save and can also manually add money whenever you want.

When you’re ready, you can send the money you’ve saved towards your mortgage.

My experience with Sprive

I’ve been using Sprive since 2022.

Setting everything up and connecting my mortgage and current account was straightforward and only took me a few minutes.

One of the features I particularly like is the ability to make smaller overpayments without having to think about them too much. Sprive can work away in the background, setting aside small amounts before you send the money to your mortgage.

Of course, you don’t need an app to make mortgage overpayments. You could simply transfer extra money to your lender yourself.

The benefit of Sprive is that it makes the whole process easier to manage and gives you a clear view of the impact your overpayments could have.

Earn cashback towards your mortgage

Another feature I use is Sprive Rewards.

You can buy gift cards for various UK retailers through the app and receive cashback. Instead of the cashback being paid into your bank account, it goes towards your mortgage.

For example, if you’re about to shop somewhere that has a Sprive gift card available, you can buy the gift card first and then use it to pay for your shopping.

You’re effectively earning money towards your mortgage for buying something you were going to purchase anyway.

I don’t always find Sprive has the highest cashback rates available. There are other discounted gift card apps that sometimes pay more.

However, Sprive occasionally has retailers I can’t find elsewhere, so I still use it.

Is Sprive free?

Yes, Sprive is free to use.

One way Sprive makes money is through its mortgage comparison service. The app can search for mortgage deals and Sprive may earn commission if you arrange a mortgage through it.

You don’t have to use its mortgage service to use the other features of the app.

Is Sprive worth using?

For me, yes.

I’ve continued using Sprive for several years because it’s an easy way to make extra mortgage payments and earn some additional cashback.

It’s particularly useful if you:

• want to pay your mortgage off sooner
• find it difficult to remember to make overpayments
• want to see the potential impact of making extra payments
• already buy gift cards or want cashback from everyday shopping
• want to keep track of your mortgage in one place

But Sprive isn’t essential. If you’re disciplined about making your own mortgage overpayments and already maximise cashback elsewhere, some of its features may be less useful.

Sprive pros and cons

What I like

• Free to use
• Makes mortgage overpayments simple
• Can automatically put small amounts aside
• Cashback can boost your mortgage overpayments
• Easy to see your mortgage progress
• Some retailers aren’t available through competing cashback gift card apps

What I don’t like

• Cashback rewards can only go towards your mortgage
• Other cashback apps sometimes offer better rates
• Sprive doesn’t support every mortgage lender
• I don’t particularly like the way its Supercharge Rewards figures are presented

The last point is worth explaining.

Sprive can show a “Supercharge” percentage that takes into account not only the immediate cashback but also the potential interest saving over the remaining term of your mortgage.

That can make the displayed percentage look much higher than the actual cashback you’re receiving on your purchase.

Personally, I’d rather see the standard cashback percentage prominently displayed.

Get started with Sprive

If you want to give Sprive a try, remember to enter the referral code when you create your account.

Sprive referral code: INRWFKGS

Disclosure: INRWFKGS is my personal Sprive referral code. I may receive a referral reward if you join and meet the qualifying requirements. Referral offers and terms can change.

Sprive referral code FAQ