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