Spanning a four-week period, our new advertising launch campaign features heavily on London billboards, buses, radio stations and digital platforms. It’s only been live in the English capital for a couple of days, but it’s already getting people talking – and that’s exactly what we wanted!

After all, when it comes to advertising to an audience of over 8 million people in one of the world’s most iconic cities, you only get one shot at making a first impression – which is why we chose the ‘Move Over, Monzo’ line.

From the outset, however, we want to make one thing very clear here at Viola Black: we completely admire Monzo and everything they have achieved as a brand. But at the same time, we also think that the market is ready for another service provider.

Competition in any industry is healthy and, judging by the immediate response to our campaign on Monzo’s forum, people certainly seem to agree.

As you’d expect from a competitor brand’s forum, however, not all of the talk surrounding Viola Black has been positive. And that’s fine, because we don’t take it personally. Instead, we use it to our advantage, because we understand that, just like Rome, brands aren’t built in a day.

To Monzo and its users, therefore, we say ‘thank you’, for giving us a platform and opportunity to respond to some of your most pressing comments…



Certain people might not see the point of a prepaid card in 2019 but, at the time of writing, the 137,820 powered by Viola (and signing up to Viola Black every day), clearly do. And, seeing as our advertising campaign is set to reach millions of people in London from now until the end of January – we’re confident there are plenty more who will see the point of it, too. Because, as Monzo have become a bank – offering overdrafts and other traditional banking facilities – there are going to be people that still want a prepaid debit card and account that is used solely for day-to-day budgeting and spending.

Viola Black encourages people to live within their means, by not offering the temptation of overdrafts or any form of financial lending. And, as a result, the interest burden that these facilities bring to bear.



We will always be up front and transparent about our fees, because being honest and keeping your money safe is our #1 priority. However, it costs us money to protect yours – meaning, yes, we do charge a monthly fee of £4 for using your Viola Black account. Rest assured, however, that any revenue will be reinvested into our products, creating a more enjoyable user experience.

And, as we move more and more towards becoming a cashless society (something we are extremely excited about as a brand), we want to advocate and encourage the use of card payments, not cash ones. This is something that is reflected in our ATM charges.

Additionally, we don’t want to be the kind of company that loses money and, in-line with our long-term business plan, have chosen not to rely on investment or crowdfunding from our customers. Different business models work for different companies, and there simply isn’t a one-size-fits-all solution.

Because, in the same way people are willing to pay monthly interest on overdrafts, we believe that they are also willing to pay for a quality financial product.



Yes, more security. How? Because your Viola Black card will NEVER be directly linked to your main bank account, the money in your main bank account will NEVER be put at risk to cybercrime in the first place. 1 in 10 British adults were victims of card fraud in 2017 alone, losing on average £840 each.



This is an intentional design feature: the card is meant to cross over to symbolise both the physical card in your wallet, and the virtual card on your phone.



Viola is fully regulated by the Financial Conduct Authority (FCA) in the UK, and there is no requirement for Viola Black customers’ compensation to be limited to that of the FSCS Scheme. With a Viola Black account, all your money is kept in a segregated account and held in the Bank of England – ‘a proper company’, we’re sure you’ll agree.

Meaning, with a Viola Black account, your funds are properly regulated and in the safest hands possible.

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