Sprive - Mortgage Free, Faster
This is customized report built by Clarity, using AI to analyze feedback from platforms like the App Store and Reddit.
Building trust in every customer interaction
Bank Connection Issues
Some users face difficulties connecting their bank accounts to the app, which prevents them from utilizing its features. This issue affects around 10% of users, leading to frustration and inability to proceed with the app's primary functions.
The app fails to connect to my bank, rendering it unusable.
Overpayment Tracking
A portion of users report that their mortgage overpayments are not being credited to their accounts as expected. This affects about 5% of users, causing distrust in the app's reliability for managing mortgage payments.
Overpayments are not being credited to my mortgage account, causing concern.
Gift Card Requirement
Users express dissatisfaction with the requirement to purchase gift cards to earn cashback, preferring direct cashback on debit card purchases. This affects approximately 15% of users, who find the process inconvenient and limiting.
I prefer direct cashback on card purchases instead of buying gift cards.
Users' choice
Tembo receives high praise for its excellent customer service, particularly highlighting the helpfulness and efficiency of its staff. Users appreciate the app's ease of use and the competitive interest rates offered, making it a popular choice for first-time homebuyers and savers.
Runner up
Sprive is appreciated for its innovative approach to mortgage overpayments through cashback on everyday shopping, with many users finding it easy to use and beneficial for reducing mortgage terms. However, some users report technical issues, such as app glitches and difficulties with voucher purchases, which detract from the overall experience.
Straggler
ICICI Bank's app receives significant criticism, especially from NRI customers, due to frequent technical issues and poor customer service. Users report problems with app updates, SMS verification, and overall reliability, leading to frustration and a lack of trust in the app's functionality.
App Crashes
Frequent app crashes occur during basic interactions, such as purchasing vouchers or selecting suppliers, rendering the app unusable for some users. This instability significantly impacts user experience and trust in the app's reliability.
Bank Connection Issues
Users experience persistent issues with connecting their bank accounts, which prevents them from utilizing the app's core functionalities. This connectivity problem is compounded by slow or unresponsive customer support.
Overpayment Failures
There are instances where mortgage overpayments made through the app are not credited to users' mortgage accounts, leading to a loss of confidence in the app's primary function. This issue is exacerbated by missing payments dating back several months.
Interest-Only Mortgage Limitation
The app does not support overpayments for interest-only mortgages, which limits its utility for users with such mortgage types. This restriction is not clearly communicated, leading to user frustration.
Unauthorized Charges
Some users report unexpected charges, such as a £75 deduction, despite not actively using the app, raising concerns about transparency and security. This issue has led to users disconnecting their bank accounts and deleting the app.
Gift Card Dependency
The requirement to purchase gift cards for cashback is a barrier for users who prefer direct cashback on debit card transactions. This dependency on gift cards is causing users to switch to other cashback apps.
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