Sprive code CPR1I93Y: automate your mortgage overpayments
Sprive turns overpaying your mortgage into a habit: it collects small amounts by direct debit, adds rewards from shopping cards you buy in the app, and pays both to your lender. It only works with 16 lenders and rewards are never cash. Our invite adds Sprive Plus free (check in the app what it includes), and your first shop before 3 January 2027 enters a weekly draw to have your next mortgage payment covered, so join if you already want to overpay.
Read our full assessment βQuick answer
Use code CPR1I93Y for the Sprive offer. New eligible customers can get Sprive Plus free (per invite) after meeting the requirement: None: no minimum shop; a first shop in the app before 3 January 2027 enters the prize draw. Last verified 2026-10-12.
- Reward
- Sprive Plus free (per invite)
- Referral code
CPR1I93Y- Last verified
- 2026-10-12
- Difficulty
- Easy
- Time to claim
- 5-10 minutes
- Time to payout
- Sprive Plus per our invite once you join (check the app); shop rewards arrive as Reward Credits within 24 hours under the terms
CPR1I93YAd / referral links β we may earn a bonus when you sign up.
How to claim
- Check your mortgage is with one of the 16 lenders Sprive supports, such as Nationwide, Halifax, Barclays, Santander, NatWest or HSBC.
- Open our invite link, download the Sprive app (it works only through the iOS and Android app) and create an account with code CPR1I93Y. The invite says you get Sprive Plus free; Sprive's public pages don't say what it includes, so check what the app shows after joining.
- Link a current account at a supported bank through Open Banking.
- Let Sprive find your mortgage: with your permission it reads your credit file once a month by soft search, which doesn't affect your credit score.
- Set up the direct debit, which Sprive needs before you can make any payment through the app, and set your yearly overpayment limit.
- If you shop at brands Sprive lists, buy a shopping card in the app before you pay; the reward is added as Reward Credits and can only be paid to your lender. Your first shop before 23:59 on 3 January 2027 also gives you an entry into the Next Mortgage Payment Prize Draw.
Eligibility & requirements
- 18 or over, living in the UK with a bank account, and passing identity and anti-money-laundering checks.
- A mortgage with one of Sprive's 16 supported lenders, and a current account at a bank the app supports.
- New to Sprive: you haven't downloaded the app and accepted its terms before.
- Sprive Plus free comes from our invite; Sprive's public pages don't define Sprive Plus and its referral policy says bonuses vary by campaign, so check what the app shows after joining.
- Next Mortgage Payment Prize Draw: open to new users, one entry for a first shop through the app before 23:59 on Sunday 3 January 2027. One winner a week has their next mortgage payment covered, capped at Β£5,000 and credited for paying to the lender only. You must be 18 or over, live in the UK and never have had a Sprive account under another email address.
- Shopping rewards are never cash: they're paid to your lender only once you reach an in-app minimum, and they expire after 12 months with nothing earned or applied.
- Check your lender's overpayment limit (often 10% of the balance a year on fixed rates); going over it can trigger an early repayment charge.
Verification notes
- Minimum spend/deposit
- None: no minimum shop; a first shop in the app before 3 January 2027 enters the prize draw
- Last verified
- 12 October 2026
- Automated source check
- 15 September 2026
Provider terms can change without warning. Treat this as a verification snapshot and confirm the live terms before applying.
Pros
- Our invite gives you Sprive Plus free, and your first shop before 3 January 2027 enters you into a weekly draw to have your next mortgage payment covered (up to Β£5,000).
- Automates overpaying your mortgage and tracks the overpayment limit you set.
- Works with 16 lenders, including Nationwide, Halifax, Barclays, Santander, NatWest and HSBC.
- Free app, and optional auto-saved money can be withdrawn, generally within one business day.
- Rewards on shopping at listed brands top up your overpayments.
Watch out for
- Shopping rewards can never be withdrawn as cash, only paid to your lender once you reach the in-app minimum.
- Reward Credits aren't safeguarded, and auto-saved money has no FSCS cover.
- Shopping cards can't be refunded, credit cards aren't accepted, and Apple Pay or Google Pay earn a slightly lower reward.
- Only useful if your mortgage is with one of the 16 supported lenders.
- An overpayment can't be reversed once it reaches your lender.
FAQ
- What Sprive referral code should I use?
- Open our invite link and use code CPR1I93Y when you sign up in the Sprive app. It only works if you're new to Sprive.
- What do I get for joining with code CPR1I93Y?
- Our invite says you get Sprive Plus free. Sprive's public pages don't define Sprive Plus, so check what the app shows after joining. New users also get an entry into Sprive's Next Mortgage Payment Prize Draw by doing a first shop through the app before 23:59 on 3 January 2027; one winner a week has their next mortgage payment covered, up to Β£5,000.
- Can I withdraw my shopping rewards?
- No. Rewards can only be paid to your mortgage lender as an overpayment, once you reach the minimum shown in the app. Money you auto-save can be withdrawn to your bank.
- Which lenders does Sprive work with?
- 16 lenders: Nationwide, First Direct, HSBC, Lloyds, Barclays, Santander, RBS, Virgin Money, Halifax, NatWest, Yorkshire Building Society, Coventry Building Society, Accord Mortgages, TSB, the Co-operative Bank and Leeds Building Society.
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