Sprive Referral Code (INRWFKGS) and Review: July 2026
Current working Sprive referral code: INRWFKGS
If you’re joining Sprive, enter referral code INRWFKGS during registration for the current new customer offer. At the time of writing, new members who use this code and buy their first gift card are entered into the monthly prize draw to win their mortgage payment.
I’ve personally used Sprive since 2022 to make regular mortgage overpayments and have tested its cashback, automatic savings and mortgage tracking features. This page explains exactly how the app works, how to use the referral code, and whether it’s worth downloading.
Sprive Referral Code
Use this referral code when joining Sprive for a chance to win your next mortgage payment.
Enter the code during registration in the Sprive app.
How to use the Sprive referral code
Getting the current referral offer only takes a couple of minutes.
- Download the Sprive app.
- Create a new account.
- Enter referral code INRWFKGS during registration.
- Link your mortgage and bank account.
- Buy your first gift card through Sprive.
- You’ll be entered into the monthly mortgage payment prize draw.
Sprive review
An easy-to-use app that’s an incredibly useful tool for anyone looking to pay off their mortgage early. It also offers some decent cashback offers too.
Pros
- A simple way to pay off extra on your mortgage
- Free to use
- Some unique cashback offers
Cons
- Cashback can only be paid towards your mortgage, not your bank account
- Better shopping cashback rates can be found elsewhere
- No FSCS protection
- Doesn’t work with every lender
Reviewed by Household Money SavingSprive review
Almost without exception, the biggest debt any of us will ever have is a mortgage. And it’s something that we tend to put to the back of our minds. Because the interest rate is usually lower compared to other types of borrowing, we don’t think too much about it.
But the truth is, a mortgage can be quite costly over 25 years (or more). Even making the smallest payments could save you a lot of money over the long term.
This is where the Sprive app can give you a helpful boost.
What is Sprive?
Sprive is a free UK mortgage app that helps homeowners overpay their mortgage without feeling the impact as much. Instead of making large manual overpayments, the app automatically sets aside affordable amounts based on your spending habits and lets you send them to your mortgage whenever you’re ready.
It also includes cashback gift cards, mortgage tracking, loan-to-value monitoring and a mortgage comparison service that checks thousands of deals every day.
I’ve been using Sprive myself for several years and have found it one of the easiest ways to chip away at a mortgage without needing to think about it.
How does Sprive make money?
If the service is free, then how does Sprive make money? Well, they compare mortgage rates and may suggest when you can find a better deal. If you take out one of these deals, Sprive will earn a commission.
Is it safe?
Sprive is an appointed representative of Albany Park Limited for mortgage services and uses Prepay Technologies Ltd as its electronic money account. If something should happen to Sprive, this money is protected and will be returned to you. They are authorised by the Financial Conduct Authority.
The app uses 256-bit TLS encryption to ensure that your data is kept safe.
Does it work with every bank?
Sprive currently works with Nationwide, First Direct, HSBC, Lloyds, Barclays, Santander, RBS, Virgin Money, Halifax, Natwest, Yorkshire Building Society, Coventry Building Society, Accord Mortgages, and TSB Bank.
This list does seem to be increasing all the time. So, if your bank isn’t on there, hopefully it will be added soon.
How does Sprive work?
You’ll need to download the app (unsurprisingly) to your phone and create an account. As you go, Sprive will show you the app’s potential and how much you can save by paying your mortgage off early. For example, if you stopped spending £5 on a pint of beer per day and put it towards your mortgage, you could reduce your payment time by over five years and save almost £11,000 in interest. Probably not as much fun though.
Once you’ve shared basic personal and contact details, Sprive must be connected to your bank account and mortgage. This is done through open banking, which almost all major financial organisations use. If your bank’s app is already downloaded to your phone, it should take less than a minute.
When your accounts are connected, Sprive will ask how much you want to set your monthly minimum and maximum overpayment. This can be between £1 and £750 and Sprive will use its Artificial Intelligence (AI) to calculate exactly how much you can save. If you’ve used apps like Plum or Chip, you’ll be used to the system.
Once Sprive has made its calculations, it will debit the money from your current account and place it into an e-money account. But you don’t have to just rely on Sprive’s AI to work out how much you can save, you can also manually add money with the touch of a button.
If you like, you can set up an overpayment limit. This is especially useful if you think you might be able to pay large sums off your mortgage each month. Most mortgages come with a penalty if you pay off more than 10% in a year, so this will help to keep a check on your balance.
You can transfer the money to your mortgage anytime you like, simply by pressing a button. In most cases, it should be there by the next working day, but it does depend on your provider.
What if you need the money?
Life has a habit of throwing us nasty surprises at times and we need all the cash we can get our hands on. If you find that you could do without paying off extra on your mortgage, any money in your Sprive account can be sent back to your bank.
Saving a little extra
Sprive also has a rewards scheme that can help you save more. On the app, you’ll find gift cards for dozens of popular stores in the UK. Buy one and you’ll earn a certain amount back into your Sprive account, usually between 2 and 6%.
For example, if you want to spend £20 at Just Eat, visit Sprive first. Buy your gift card and then load it onto your Just Eat account. You’ll earn £1 back on your mortgage and it takes two minutes to do. It’s not just for online shopping, some of the cards can be used in-store too.
Other retailers include M&S, B&M, Uber Eats, IKEA, Primark, Morrisons and Argos, but there are dozens to choose from.
It’s important to note that any cashback earned can only go towards paying off your mortgage. It cannot be paid back into your bank like the autosavings.
New mortgage deals
The final benefit of using Sprive is the mortgage switching service. Their technology searches over 20,000 mortgages every day to see if you can get a better deal. If you have any issues or questions, you can schedule a call with one of their advisers.
If you make a switch through Sprive, they will earn a commission.
How much can Sprive really save you?
This is a bit of a difficult question. There’s no set answer with mortgage amounts, repayment length, and interest rates differing.
But let’s say that your mortgage interest rate is 5%. For every £1 you borrow, you’ll have to repay a total of £2.25 over the course of 25 years. It might not sound much, but imagine if your mortgage is for £200,000. No matter how small or large you can make in overpayments, it will make a big dent in how much you have to repay.
Sprive calculates that, on average, couples are likely to save £5,500 on interest payments and pay off their mortgage two years and two months earlier by using the app.
As you can see below, Sprive calculated that if I paid just an extra £1 per month, I would save between £4,879 in interest payments and would clear my mortgage one year and four months early. WInner!
Sprive in action
I can hardly review an app without trying it for myself.
The whole process of creating an account and linking it to my mortgage and current account was easy, and took me just a few minutes. And there was little more for me to do.
Sprive worked away in the background, transferring small amounts from my bank every week. At the end of the month, by clicking a button, that money went straight into my mortgage.
I can’t comment on whether the mortgage deals were any better than anything I can find myself as my mortgage hasn’t needed renewing. However, I checked against Compare The Market and the rates were very similar.
The cashback rates weren’t too bad, although competitors like JamDoughnut and EverUp do offer slightly better deals. However, I sometimes find that Sprive has companies listed that other sites don’t, such as Primark. You can learn more from my review of other gift card sites and apps.
Any downsides?
As I just mentioned, cashback rates can be slightly better elsewhere, but we’re not talking huge amounts. But Sprive makes it a little tougher than it should be to compare.
By default, Sprive turns on “Supercharge rewards“. This means that they show you cashback rates based on how much you will save not only on your shop, but also on the term of your mortgage too.
For example, buying a Tesco gift card will earn me 3.5% cashback at the moment. But Supercharge tells me it’s actually 12%. I’m not sure if that can be completely accurate, as people’s mortgage rates and providers change.
For me, I would get rid of it as it’s slightly misleading.
Who is Sprive best for?
Sprive is ideal if you:
- have a UK repayment mortgage
- want to become mortgage-free sooner
- struggle to remember to make overpayments
- like earning cashback on everyday shopping
- want an easy way to monitor your mortgage progress
It probably isn’t suitable if you don’t have a mortgage or if you’re already making the maximum annual overpayments allowed by your lender.
Sprive refer a friend
Dont forget to use the referral code INRWFKGS when you join and you’ll get the chance to win a month’s mortgage payment after you buy your first gift card. PLus, you can earn £10 for each friend you refer.
My Sprive review conclusion
If you’re already planning to overpay your mortgage, Sprive is well worth downloading. It automates the process, helps you visualise your progress and adds a little extra through cashback rewards and mortgage comparisons.
I’ve continued using it for years because it’s one of those apps that quietly gets on with the job in the background.
If you’re signing up, don’t forget to enter the current Sprive referral code INRWFKGS during registration to qualify for the latest new customer offer.
And don’t forget, if you like to switch bank accounts to earn money, then Sprive will be handy to use as a cheap direct debit.
Further reading
Although I do make small overpayments to my mortgage through Sprive, take a look at why I often choose to invest instead.
FAQS
Does Sprive work with all mortgages?
No. Sprive does not work with –
Interest-only mortgages
Buy-to-let-mortgages
Commercial mortgages
Is Sprive free?
Yes. Sprive is free to download and use.
What is the latest Sprive referral code?
The current working Sprive referral code is INRWFKGS.
Where do I enter the Sprive referral code?
Enter INRWFKGS during registration when creating your Sprive account.
Can existing users use the referral code?
No. Referral codes are intended for new accounts.
