The whole premise behind Viola Black is personal money management. According to a recent report from the National Audit Office, there are around 8.3 million people in the UK who are unable to pay off debts or household bills – that’s around 1 in 7 adults who are struggling financially on a daily basis.

There are many contributing factors – the general cost of living is on the rise whilst rises in salary have become few and far between in recent years. Many of us are having to spend more whilst not receiving any additional income and that – in a nutshell – explains the worrying figure above.

This is where proactive budgeting can come into play. With a stable household income, knowing what your outgoings are on a monthly basis can help you with budgeting — whether you’re freeing up some cash to pay off existing debts or saving up for holiday, a new car or maybe a new addition to the family.

With a Viola Black prepaid debit card, tracking your day-to-day budget and spend is simple thanks to our handy app. As soon as you spend on the card, you receive an alert on your phone, allowing you to capture the receipt at the point of sale. This allows you to look back at any point to see where your money has been spent, and what has been purchased.

Although you have the option to have your salary paid directly into your Viola Black account, the majority of customers tend to use it for setting themselves a spending limit for various outgoings by using our great Sub Accounts option.


Even though it’s how we obtain the majority of our spending money, the amount that we spend during the working day can be surprising when added up at the end of the month.

Firstly, travelling to work is an expense that many of us overlook. If you work from home – or at least a short walk away – count yourself lucky. The average UK worker spends around £2,000 per year on public transport or petrol just to get to and from the office. On top of that, the typical worker spends almost £8 per day on lunch, drinks and other snacks during the working day (compared with the £1.50 for those bring in their own lunch!).

As you can imagine – it all adds up. Loading money onto your Viola Black card to track your workday spending is just one way in which you can work out the areas where you need to rein in your daily spending.

Bringing Up Baby

From the time they are born right up until they leave home (and for a good while afterwards), babies and children are expensive.

Keeping track on what you spend on your kids can be tricky, as they have different needs as they get older. Using your Viola Black card to set yourself a monthly budget can be especially handy and a great way to keep your receipts in order, so you know exactly what you’re spending.

Over time, you’ll be able to load a specific amount onto your card, and then stick to that budget over the course of a month. Particularly handy for taking care of the essentials.

Saving for Something Special

If you’re a bit further down the line of budgeting, then you could use your Viola Black card as your ‘treats’ card. Some may call it an ‘emergencies’ card, but we think that treating yourself from time to time is important. If you know that you and/or your partner have a little disposable income each month, then you can load it onto your card and watch the figure grow.

For instance, you could use it as a holiday spending money card. Your Viola Black prepaid card allows you to store money in many different currencies at market-leading exchange rates. Not only that, but you can take it with you to spend your holiday savings anywhere in the world, without being charged any fees.

Every time you spend on your card, you’ll get an instant notification, so you know exactly how much you have to spend. No waiting for hours or days for your account to update. The dashboard on our Android and Apple apps updates your balance, spend and account overview in real-time.

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