Sprive

[tryinghi778]

Does anyone use sprive? I just came across it today how is your experience is it worth it?

ive been using it for the last 2 weeks. I had a bit of an issue getting the Sainsbury’s app to accept the voucher. In the end it worked but it took me ages! Has anyone else had issues with online Sainsbury’s? Amazon seems easy enough to do though.
Ive got a code if anyone wants one.

T1A8Z3YP this code gives you Sprive plus.

NNY2P4LS I’ve joined with a previous code if anyone would like to use this one next! 😃

Early days, but Sprive has been brilliant so far. It really is a painless and very simple way to overpay your mortgage, and because you buy gift cards to use at retailers, you can still click through TopCashback and Quidco and potentially get cash back too.

The gift cards you buy can be for the exact amount you need, so if your shopping is £49.57, you can buy the gift card for £49.57 and no pesky few pence left languishing in a gift card graveyard to be forgotten forever. (You can buy for more too and the gift cards stay in your Sprive app, easy to find when you need them).

Check the gift card you are buying is suitable for your chosen shopping method- most seem to be usable online and in store but Tesco is in-store only. Just something to be aware of.

I am so impressed with how easy it is to link and overpay your mortgage- once linked, it’s literally a single click and the balance is sent directly to your lender. I have been sending as soon as I have over £5 as this is more interest saved on the mortgage. It’s mounted up with just normal shopping for me. I absolutely love it.

If anyone wants to try it, my referral code is WWM8EG91

Link to download the app is Sprive

I’ve just started using this

Apologies if this is a silly question. How does it work if you make regularly monthly overpayments? So for example, if I overpay £100 a month, but earn £20 on Sprive, do I have to reduce my overpayment to £80?

I pay my lender the same amount every month as a regular payment (includes an overpayment). This amount is static because I’ve specified this with the lender. You probably have a 10% overpayment allowance which £100 per month extra will be nowhere close to breaching. Phone your lender and tell them to keep your regular payment static even if you do additional overpayments. This is what will reduce your term over time.
I transfer from Sprive whenever I have over £5 as every day it chips away at the mortgage interest and this will compound over time to be far more beneficial than it would be in my pocket!

They were recently on Dragons Den, and did really well. Sign up with my code WWM8EG91, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=WWM8EG91

Wow I have recently discovered sprive and I love it.

so easy to use, sooo many retailers on there. I’m already on track to save 5 years on my mortgage term.

we use it mainly for our food shops and train tickets each month but also for Amazon and lots of other shops too.

if anyone is interested it’s super easy to set up and simple to use. If you use my referral code you also get a little bonus too, and will be entered into a draw to win your months mortgage payment - B3L966B6

After reading this thread, I’ve joined too. So far, so good! Here is my code is anyone needs one… 00Z2LF8Y, to get Sprive Plus for free.

Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code 00Z2LF8Y, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=00Z2LF8Y

Just incase anyone else needs a code I’ve managed to overpay my mortgage by over £100 so far!
Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code 7TK7VCUO, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
linkprod.sprive.com/refer?code=7TK7VCUO

Love this app! I’ve managed to pay off about £20 a month just through food shops!
Referral code is;
NNY2P4LS

Early days for me too but been great, I’ve paid about £58 off my mortgage so far with the cash back from my everyday shopping. Also really easy to do the overpayments from your bank as and when you can afford.

If anyone needs a referral code: ZYPM0731

Since posting I have been using and I’m finding it really great - yes it’s remembering each time im
shopping but it’s become less fiddly and the little amounts I’m paying towards my mortgage are adding up! I really reccomend this is my refferal code if of any help to anyone xx

Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code JM3PJBV0, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=JM3PJBV0

I finally decided to sign up to Sprive (because the cashback rates look great) but realised that my lender isn't even on there?!

I tell everyone about this , have mainly used it to get top up shopping. Wish Lidl would come on board 🤞😃. Here is my code NRZRIXSZ if anyone wants to sign up as we get £5 each. I need 4 more people 😊 I’ve paid £200 off already and on my next £80 so if anyone has any questions 😁

Thank you to those that have signed up with me, hope you love it as much as I do. Don’t forget partners can sign up too on your joint mortgages so you can now earn a bonus too. I love the bit that says how much Interest it would pay if you overpaid
just remember all, it’s not a bank so don’t keep money in there forever make sure it’s gets put on your mortgage or withdrawn if you need to just in case 👍

Sprive is great, I’m hooked! Have been using it for about 6 weeks now and already paid £100 off my mortgage just from every day coffees, grocery shopping and eating out. All of which I’d have bought/paid for anyway, so was over the moon to £100 back from it. I’d definitely recommend signing up. If you use my referral code then I think we both get £5.

Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code 8954HYK0, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=8954HYK0

Sprive is a brilliant app that allows you to earn cash back on purchases which is then used as over payments on your mortgage. It’s really easy to use, just link your bank account and off you go.

Here is a referral code: H67PEQJS

this is my post Iv been using for a while now and it’s great and my
mortgage slowly going down 🙌🏽

Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code JM3PJBV0, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=JM3PJBV0

I love Sprive been using since January and already used to to pay off around £400 extra. Even my holidays get me some cashback
I just need one more referral so if anyone is willing this is my code. NRZRIXSZ .
if you need a sign up for something I haven’t already got willing to do that back. I tend to use most of the cash back sites then pile it all into the Sprive app as some have different options and rates .

I signed up, but I shop with ocado and they weren't listed. Guess I'll keep checking back see if they sign up

It’s brilliant!

Hey, I've been using Sprive to save £££s on my mortgage just by doing my everyday shopping.

They were recently on Dragons Den, and did really well. Sign up with my code JM3PJBV0, get Sprive Plus for free, and be in with a chance to win your next mortgage payment.

Here's the link to download:
https://linkprod.sprive.com/refer?code=JM3PJBV0

They are listed on mine but I have been with them for a while (before Dragons Den).

Maybe the more you use, the more cash back you get. Keep at it ☺️

Yes! I’ve been using it for just under two months and, kinda mad but I won £2,000 through their prize draw, so I’ve now paid £2,056 off my mortgage through the app (saving me over £1,400 interest already). I’ve added a screenshot because I wouldn’t have believed it either (I never win anything ever)! 😀

Outside that, the main thing has been cashback on things I was buying anyway. For example, I’ll buy a £100 Tesco gift card through Sprive, add it to my Apple Wallet and then use that at the till instead of my normal bank card. Which makes it much easier to remember. I use it quite a lot for Tesco, M&S, Boots and Uber too.

I do think it’s worth it, but only if you’re quite strict about checking Sprive before you spend. Otherwise the savings are just here and there- I guess a bit like any cashback site.

If helpful, I have a promo code for the app, JM06ZHFZ, which I’ve already passed on to my parents and friends.

This thread is hilarious. God, the enthusiasm! Hard to believe really