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FintechUS · Mastercard · Nov 2026

What's trending, and ideas for inspiration

Meta video ads from 15 US fintech brands with Mastercard cards, analyzed by Connecty.

Top ads by impressions
MoneyLionNot card0:02Value prop

0:00 HookGet up to $500 of your pay early with...

0:02 Key momentVisual moment

Analysis ↗

Dave0:16CTA

0:00 HookBuy now, pay in 4 with Dave Flex

0:16 Key momentApply for Dave Flex today.

Analysis ↗

BrexCard ad0:02Value prop

0:00 HookEliminate tool bloat with Brex

0:02 Key momentEliminate tool bloat with Brex

Analysis ↗

RhoNot card0:37Proof

0:00 HookYour Business Deserves Better Than Bank Of America

0:37 Key moment...On Monday, I incorporated the business on row...

Analysis ↗

Venmo0:28CTA

0:00 Hook...here's what I spent in a day

0:28 Key momentSign up for the Venmo debit card now

Analysis ↗

SoFiNot card0:20Offer

0:00 HookPEOPLE HAVE MONEY QUESTIONS. SoFi MEMBERS HAVE MONEY ANSWERS.

0:20 Key momentrates as low as 8.74% APR

Analysis ↗

Found0:26CTA

0:00 HookClose your old business bank account...

0:26 Key momentI'll leave a link below so you can get...

Analysis ↗

GreenlightCard ad0:17CTA

0:00 HookPOV: You're a human ATM machine

0:17 Key momentTry Green Light risk free for 1 month.

Analysis ↗

Mercury0:14Product

0:00 HookUnboxing IO

0:14 Key momentfirst product visual visible

Analysis ↗

Bluevine0:04Value prop

0:00 HookHave a few minutes? Apply for a business checking...

0:04 Key momentYou could earn 1.3% interest and No monthly fees

Analysis ↗

PayPal0:08CTA

0:00 HookEarn 5% back with the PayPal Debit Card

0:08 Key momentShop and earn with the PayPal Debit Card

Analysis ↗

OnePay0:00Product

0:00 HookBanking that builds credit

0:00 Key momentfirst product visual visible

Analysis ↗

AlbertNot card0:11CTA

0:00 HookGet a loan up to $10,000

0:11 Key momentStart your 30-day trial today

Analysis ↗

RobinhoodNot card0:01Value prop

0:00 HookTrade stocks, ETFs, crypto, futures, and options on Robinhood.

0:01 Key momentTrade stocks, ETFs, crypto, futures, and options on Robinhood.

Analysis ↗

SquareNot card0:01Product

0:00 HookStart taking payments fast with Square.

0:01 Key momentfirst product visual visible

Analysis ↗

Motive

What makes people click, when the product is boring but useful

Control and cash before payday lead, in 17 and 13 of 127 videos. Kids, friends and the fear of a declined card each belong to one brand.

How the card network shows up in the ads
Mastercard

15 brands. 43 of 127 videos are card ads, 20 of them with the Mastercard logo. The rest sell payments, loans, cash advances, trading or business banking.

Visa

8 brands. 27 of 63 videos are card ads, 14 of them with the Visa logo. Chime, Klarna and Step make 25 of the 27.

What makes people click, by motive, of 127
  • Business control, tools in one place (Mercury, Found, Square, Brex, Rho, Bluevine)17
  • Cash before payday (MoneyLion, Albert)13
  • Cash back (PayPal, Venmo)12
  • Kids and the parent's load (Greenlight)10
  • Pay less interest on debt (SoFi)10
  • Brand or customer story, no offer (OnePay, Square, Bluevine, Mercury)10
  • Earn interest or invest (Robinhood, Bluevine, Rho, Found)9
  • Leave your old bank (Rho, Bluevine, Found, Mercury)8
  • Build credit (OnePay, Mercury)7
  • Get paid or set up fast (Square, Bluevine, Rho)7
  • Split a purchase (Dave, PayPal)6
  • Borrow a loan (Albert)6
  • Friends and social moments (Venmo)6
  • Fear of a public money moment (Brex)3
  • Pay less: no fees or a discount (Rho, Square)2
  • The card as an object (Mercury)1

Hook to payoff

How the strongest ads go from first line to key moment

5 ads, hook to key moment · use the arrows or swipe
BrexCard ad
Brex 2

Open on the public moment the product prevents.

Analysis ↗

0:00 HookYour card declined. Your client is watching.
ProblemSaid in the hook
BenefitAgentic finance that gives teams speed and control.
0:10Value prop
Agentic finance that gives teams speed and control.14% still watching (benchmark)
GreenlightCard ad
Greenlight 9

Count the problem, then end it: nine asks, then none.

Analysis ↗

0:00 HookGuess how many times my daughter asked me for...
ProblemYep, nine times. And it's only 9:00 a.m.
BenefitNone, because we just got GreenLight.
0:10Value prop
It's a super app that tracks allowance and chores...14% still watching (benchmark)
SoFiNot card
SoFi 5

Make the viewer do the interest math.

Analysis ↗

0:00 HookName one reason to take out a SoFi Personal Loan
ProblemIf you have $10,000 of credit card debt at 24% APR, how much money are you losing each month to high interest?
BenefitTo consolidate credit card debt
0:25Benefit
low interest rates5% still watching (benchmark)
OnePayCard ad
OnePay 4

Turn the product name into a list joke.

Analysis ↗

0:00 HookThings That Build Up In My House: Banking Edition
ProblemI build laundry, an insane grocery bill, and an endless amount of activity expenses while we're at it.
Benefitbeing able to use those everyday purchases to help build my credit over time just makes sense.
0:14Value prop
That's why I'm using the OnePay Builder card. It's...10% still watching (benchmark)
RhoNot card
Rho 1

Name the old bank, and let a friend roast it.

Analysis ↗

0:00 HookYour Business Deserves Better Than Bank Of America
ProblemSaid in the hook
Benefita solid support team consisting of actual humans
0:37Proof
...On Monday, I incorporated the business on row...3% still watching (benchmark)

Brand ideas

One idea from each brand

15 brands · use the arrows or swipe
Dave4 videos · key moment avg 0:16

Steal

Sum it up in 4 words: "Get it, split it, done."

Dave 3 ↗All ads ↗

Motive
Split a purchase: "Buy now, pay in 4 with Dave Flex", in all 4
Hook
The offer is the hook in all 4
Card
Dave Flex card in all 4, Mastercard logo in 3
Gap
All 4 are cuts of one script with the same line: "Get it, split it, done."
PayPal10 videos · key moment avg 0:06

Steal

Let people choose where they earn: "Choose where to earn 5%".

PayPal 6 ↗All ads ↗

Motive
Cash back: "Earn 5% back with the PayPal Debit Card", in 8 of 10
Hook
The 5% offer, as on-screen text
Card
PayPal Debit Card in 8 of 10, Mastercard logo in 6
Gap
Only 1 of 10 has a spoken line. Connecty rates no PayPal hook strong but that one.
Greenlight10 videos · key moment avg 0:18

Steal

Count the asks: "nine times. And it's only 9:00 a.m."

Greenlight 9 ↗All ads ↗

Motive
The parent's load in 5 of 10 ("POV: You're a human ATM machine"), the kid's money lesson in 4
Hook
A parent speaks in all 10. 9 of 10 hooks rated strong.
Card
The kids' debit card in all 10, no Mastercard logo
Gap
The key moment lands after 0:15 in 6 of 10.
OnePay10 videos · key moment avg 0:13

Steal

Tie the card to a moment: "Build credit with every first date".

OnePay 5 ↗All ads ↗

Motive
Build credit with everyday spending, in 6 of 10
Hook
Credit tied to a life moment: "Build credit with every first date"
Card
OnePay Builder Card in 6 of 10, Mastercard logo in 2
Gap
4 of 10 are brand spots with no offer: "Banking trusted by millions"
Venmo10 videos · key moment avg 0:17

Steal

Turn a money annoyance into a season story: the Venmo ghost.

Venmo 9 ↗All ads ↗

Motive
Social moments in 6 of 10: splitting, the friend who pays, the Venmo ghost
Hook
Creator formats: day in the life in 4 of 10, GRWM in 1
Card
Venmo Debit Card in 3 of 10, Mastercard logo in 1
Gap
3 other videos push "check out with Venmo" instead of the card.
Found5 videos · key moment avg 0:11

Steal

Tell people to close the old account, in the first line.

Found 1 ↗All ads ↗

Motive
Leave your old bank, get bookkeeping and taxes built in
Hook
"Close your old business bank account and get this banking app instead."
Card
Mastercard logo in 4 of 5
Gap
"Over 750K small business owners have chosen Found." lands at 0:24, when 4% still watch (benchmark).
Mercury10 videos · key moment avg 0:27

Steal

Show the old bank's hoops first: "I cannot find the wire button."

Mercury 10 ↗All ads ↗

Motive
Control for founders: virtual cards with hard budgets
Hook
Founder stories in 5 of 10, 39 to 95 seconds long
Card
Card ad in 4 of 10, Mastercard logo in 2 ("Unboxing IO")
Gap
In the 5 founder stories the key moment lands at 0:17 or later.
Bluevine10 videos · key moment avg 0:05

Steal

Lead with the rate: "Get business checking that earns 1.3% interest."

Bluevine 2 ↗All ads ↗

Motive
Earn interest on business checking: "1.3% interest", in 4 of 10
Hook
"Your business deserves better banking." in 2
Card
Mastercard logo in 2 of 10
Gap
3 of 10 rest on the tagline "easier done than said" with no offer.
Brex5 videos · key moment avg 0:08

Steal

Film the declined card in front of the client.

Brex 2 ↗All ads ↗

Motive
Fear of a public money moment, in 3 of 5
Hook
"Your card declined. Your client is watching."
Card
Card ad in 2 of 5, no Mastercard logo
Gap
No offer in any of the 5. No proof in 4.
SoFi10 videos · key moment avg 0:14

Steal

Make the viewer do the math: "how much money are you losing each month"

SoFi 5 ↗All ads ↗

Motive
Pay less interest on debt, in all 10
Hook
Real members with real numbers: "About $45,000."
Card
No card ad in 10. Its Mastercard debit images are not on the demo page.
Gap
Only SoFi 5 makes the viewer do the interest math.
MoneyLion10 videos · key moment avg 0:10

Steal

Sell the advance as a small treat, not a rescue.

MoneyLion 2 ↗All ads ↗

Motive
Cash before payday, in all 10: "up to $500 of your pay early"
Hook
A good moment, not a crisis: "POV: a day in my little upgrades era"
Card
No card ad in 10
Gap
Proof is weak in 9 of 10.
Albert9 videos · key moment avg 0:08

Steal

Quote the doubt, then answer it: "Getting a loan takes forever."

Albert 4 ↗All ads ↗

Motive
Borrow up to $10,000 in 6 of 9, a spot of up to $1,000 in 3
Hook
The amount opens 6 of 9. 2 open on "can't ask family for money", 1 on a doubt.
Card
No card ad in 9
Gap
8 of 9 have no speech, and Connecty rates no hook strong but one.
Robinhood4 videos · key moment avg 0:03

Steal

Pay people to learn: "Earn rewards while you learn".

Robinhood 3 ↗All ads ↗

Motive
Trade and invest
Hook
The product list: "Trade stocks, ETFs, crypto, futures, and options"
Card
No card ad in 4
Gap
No proof in 3 of 4, weak in 1.
Rho10 videos · key moment avg 0:10

Steal

Show a new job for the bank: "this banking platform can now actually also start your company."

Rho 8 ↗All ads ↗

Motive
Leave your old bank, in 4 of 10
Hook
"Your Business Deserves Better Than Bank Of America"
Card
No card ad in 10
Gap
7 of 10 are text spots of 2 to 7 seconds, none with speech.
Square10 videos · key moment avg 0:07

Steal

Let the owner say the tech stays out of sight.

Square 9 ↗All ads ↗

Motive
Speed for sellers: take payments, get paid, keep lines moving
Hook
The product line in 7 of 10, restaurant stories in 3
Card
No card ad in 10
Gap
Only 2 of 10 make an offer: "Start free" and "Get up to $5,000 off Square hardware."

Timing

When the key moment lands, and how many still watch

34 of 127 videos land the key moment after 0:15. Mercury's average is 0:27.

Key moment vs. share still watchingIndustry benchmark, not real playback
PayPal 2, key moment 0:00PayPal 8, key moment 0:00OnePay 1, key moment 0:00Found 2, key moment 0:00Found 5, key moment 0:00Bluevine 5, key moment 0:00Albert 5, key moment 0:00Robinhood 2, key moment 0:00Rho 2, key moment 0:00Rho 3, key moment 0:00Rho 5, key moment 0:00Rho 6, key moment 0:00Rho 7, key moment 0:00Rho 9, key moment 0:00PayPal 5, key moment 0:01OnePay 2, key moment 0:01OnePay 5, key moment 0:01Bluevine 8, key moment 0:01Robinhood 1, key moment 0:01Square 1, key moment 0:01OnePay 6, key moment 0:02OnePay 7, key moment 0:02Venmo 2, key moment 0:02Bluevine 4, key moment 0:02Brex 1, key moment 0:02MoneyLion 1, key moment 0:02MoneyLion 10, key moment 0:02Square 2, key moment 0:02PayPal 7, key moment 0:03Mercury 6, key moment 0:03Bluevine 2, key moment 0:03Bluevine 3, key moment 0:03Bluevine 6, key moment 0:03MoneyLion 8, key moment 0:03PayPal 3, key moment 0:04Found 3, key moment 0:04Bluevine 1, key moment 0:04Bluevine 7, key moment 0:04SoFi 3, key moment 0:04SoFi 10, key moment 0:04Robinhood 4, key moment 0:04Square 3, key moment 0:04Greenlight 10, key moment 0:05Square 6, key moment 0:05Square 7, key moment 0:05SoFi 9, key moment 0:06Albert 9, key moment 0:06Rho 4, key moment 0:06MoneyLion 4, key moment 0:07Albert 7, key moment 0:07Square 9, key moment 0:07PayPal 1, key moment 0:08Bluevine 9, key moment 0:08Brex 3, key moment 0:08Albert 3, key moment 0:08Albert 8, key moment 0:08Robinhood 3, key moment 0:08Square 8, key moment 0:08PayPal 6, key moment 0:09Brex 4, key moment 0:09MoneyLion 7, key moment 0:09Dave 3, key moment 0:10PayPal 9, key moment 0:10Greenlight 9, key moment 0:10Venmo 7, key moment 0:10Venmo 10, key moment 0:10Mercury 2, key moment 0:10Brex 2, key moment 0:10Brex 5, key moment 0:10Albert 4, key moment 0:10Albert 6, key moment 0:10Venmo 4, key moment 0:11Albert 1, key moment 0:11Square 5, key moment 0:11PayPal 4, key moment 0:12PayPal 10, key moment 0:12Greenlight 7, key moment 0:12OnePay 9, key moment 0:12Venmo 3, key moment 0:12Mercury 8, key moment 0:12Square 4, key moment 0:12MoneyLion 6, key moment 0:13MoneyLion 9, key moment 0:13Albert 2, key moment 0:13Greenlight 6, key moment 0:14OnePay 4, key moment 0:14Mercury 1, key moment 0:14SoFi 7, key moment 0:14SoFi 8, key moment 0:14MoneyLion 3, key moment 0:14Venmo 8, key moment 0:15Venmo 9, key moment 0:15Mercury 7, key moment 0:15Dave 1, key moment 0:16MoneyLion 5, key moment 0:16Greenlight 1, key moment 0:17Mercury 5, key moment 0:17SoFi 2, key moment 0:17SoFi 6, key moment 0:17MoneyLion 2, key moment 0:17Dave 2, key moment 0:18Dave 4, key moment 0:18Square 10, key moment 0:18Greenlight 2, key moment 0:19Greenlight 3, key moment 0:19Greenlight 8, key moment 0:20SoFi 1, key moment 0:20Greenlight 4, key moment 0:21Bluevine 10, key moment 0:22SoFi 4, key moment 0:22Rho 8, key moment 0:23Found 4, key moment 0:24SoFi 5, key moment 0:25Found 1, key moment 0:26OnePay 8, key moment 0:27OnePay 10, key moment 0:27Venmo 1, key moment 0:28Rho 10, key moment 0:30Venmo 6, key moment 0:32Venmo 5, key moment 0:37Rho 1, key moment 0:37Mercury 4, key moment 0:41Mercury 9, key moment 0:44Greenlight 5, key moment 0:45OnePay 3, key moment 0:47Mercury 10, key moment 0:48Mercury 3, key moment 1:02after 0:15
Average key moment by brand
  • Robinhood0:03
  • Bluevine0:05
  • PayPal0:06
  • Square0:07
  • Brex0:08
  • Albert0:08
  • MoneyLion0:10
  • Rho0:10
  • Found0:11
  • OnePay0:13
  • SoFi0:14
  • Dave0:16
  • Venmo0:17
  • Greenlight0:18
  • Mercury0:27

Proof

How much real proof the ads show

44 of 127 show moderate or strong proof. Greenlight (9 of 10) and SoFi (8 of 10) show it most often.

GreenlightCard ad
Greenlight 4A study, said in the first line

Proof strength · 127 videos

Real proof

  • StrongA University of Michigan study found that kids as young as 5 already have their own emotional relationship with money Greenlight 4, spoken
    16
  • ModerateJoin 1 million+ members who have paid off over $26B in debt with SoFi SoFi 3, on screen
    28
  • WeakBanking trusted by millions OnePay 7, on screen
    27
  • NoneNo proof line
    56

44 real · 83 weak or none

Gap

Credit building is promised, but never shown

7 videos say the card builds credit. None shows a credit score.

OnePayCard ad
OnePay 4Credit is promised, the score is not shown

Credit claims · 127 videos

Does any ad show a credit score

  • Say the card or account builds creditBanking that builds credit Build credit with every swipe help build my credit over time Access business credit sooner
    7
  • Show a credit scoreNot in any video
    0

Idea to test · Show a real score, before and after.

Ad content

Which ads have a strong hook and real proof

Connecty rates 63 of 73 videos with speech as a strong hook, and 0 of 54 without.

% of each brand's videos · last row = number of videos
BrandStrong hookPayoff by 0:03ProblemBenefitOfferPriceUrgencyStrong proofClear CTACaptions
Dave450%0%0%100%25%25%0%0%100%100%
PayPal1010%40%0%80%90%20%0%0%40%10%
Greenlight1090%0%90%100%80%0%0%40%60%100%
OnePay1020%50%10%50%0%0%0%0%20%10%
Venmo10100%10%40%70%60%10%0%0%40%60%
Found540%40%40%100%60%60%0%40%60%40%
Mercury1070%10%50%100%10%10%0%0%0%60%
Bluevine1030%60%20%70%0%0%0%40%40%10%
Brex580%20%80%0%0%0%0%0%80%80%
SoFi1070%0%90%100%40%10%0%30%50%70%
MoneyLion1040%30%50%80%0%0%0%0%50%50%
Albert911%11%33%89%44%33%0%11%89%0%
Robinhood4100%50%0%75%25%25%0%0%75%50%
Rho1030%60%60%60%10%10%0%10%70%30%
Square1040%20%20%70%20%0%0%10%40%40%
All 127videos6334529840140166356

Formats

Which ad formats the brands use

Short form VSL leads with 27 of 127 videos, then testimonial with 15. Founder story, us vs them and before and after appear in none.

Videos per format · 127 videos
  • Testimonial15
  • Mashup6
  • Authority expert2
  • Comment reply3
  • Listicle6
  • Myth buster2
  • Tutorial hack7
  • Pain point story12
  • Founder story0
  • Day in the life7
  • Pov12
  • Aesthetic asmr1
  • Pattern interrupt1
  • Torture test0
  • Us vs them0
  • Before after0
  • Short form vsl27
  • Not classified26

Used once or not at all: Founder story, Aesthetic asmr, Pattern interrupt, Torture test, Us vs them, Before after.

Brief next

Three concepts worth testing now

Each one takes an angle only one brand uses and moves it to a new product.

01

The declined card, for consumers

Brex is the only brand that sells the fear of a public money moment, in 3 of 5 videos. No consumer brand here films a declined card. Do it, then show the card that would have worked.

02

Show the score go up

7 videos say the card builds credit, 6 of them OnePay's. None shows a credit score. Film a real score before and after, with the date on screen.

03

A season story for the card

Venmo's ghost (Venmo 9 and 10) is the only Halloween story here. 7 of PayPal's 8 cash back videos are on-screen text with no speech, and none names a moment. Tie the 5% to one.

More detail

Every quote, every ad and the format definitions

What they say, word for word

Hook125 of 127 ads

The strongest hooks name a moment: a declined card, a kid asking for money, rent day.

Problem52 of 127 ads

The problem is a small, specific money moment, rarely a big crisis.

  • Guess how many times my daughter asked me for money today? Yep, nine times. And it's only 9:00 a.m.Greenlight 9 ↗
  • It's the small stuff, but it can add up. And I don't always want to wait around for payday to enjoy it.MoneyLion 2 ↗
  • You keep paying your credit card bill, but the balance barely moves.SoFi 7 ↗
  • The other day I needed to send a wire transfer. I log into my bank but I cannot find the wire button.Mercury 10 ↗

Benefit98 of 127 ads

Consumer brands sell a feeling of relief. Business brands sell time back.

  • My afternoons got easier almost overnight.Greenlight 8 ↗
  • No credit checkMoneyLion 4 ↗
  • So when we switched to Mercury, all of that became automatic.Mercury 9 ↗
  • So, when I make a business purchase, Found categorizes the expense. I can snap a picture of the receipt and attach it right to the transaction.Found 3 ↗

Proof38 of 127 ads

Proof is a member count, a study or a founder's own story. No ad shows an account balance or a score.

  • A University of Michigan study found that kids as young as five already have their own emotional relationship with moneyGreenlight 4 ↗
  • Join 1 million+ members who have paid off over $26B in debt with SoFiSoFi 3 ↗
  • Over 750K small business owners have chosen Found.Found 4 ↗
  • It took me just a couple minutes cuz I already knew what the information was.Rho 8 ↗

CTA86 of 127 ads

The CTA is an app download or an account to open. Greenlight is the only brand with a trial: "risk-free for 1 month".

All 127 ads, brand by brand

Dave4 videos
Dave, 4 ads · use the arrows or swipe
Dave0:16CTA

0:00 HookBuy now, pay in 4 with Dave Flex

0:16 Key momentApply for Dave Flex today.

Analysis ↗

Dave0:18CTA

0:00 HookBuy now, pay in 4 with dave Flex

0:18 Key momentApply for Dave Flex today.

Analysis ↗

Dave0:10CTA

0:00 HookMeet the new Dave Flex card.

0:10 Key momentDownload Dave today.

Analysis ↗

DaveCard ad0:18CTA

0:00 HookBuy now and pay in 4 with the new...

0:18 Key momentApply for Dave Flex today.

Analysis ↗

PayPal10 videos
PayPal, 10 ads · use the arrows or swipe
PayPal0:08CTA

0:00 HookEarn 5% back with the PayPal Debit Card

0:08 Key momentShop and earn with the PayPal Debit Card

Analysis ↗

PayPal0:00Hook

0:00 HookPayPal Debit

0:00 Key momentA hand holds a smartphone displaying a PayPal debit...

Analysis ↗

PayPal0:04CTA

0:00 HookEarn 5% back

0:04 Key momentShop and earn with the PayPal Debit Card

Analysis ↗

PayPal0:12Value prop

0:00 HookEarn 5% back with the PayPal Debit Card

0:12 Key momentThe PayPal Debit Card has your back

Analysis ↗

PayPal0:01Value prop

0:00 HookEarn 5% back with the PayPal Debit Card

0:01 Key momentEarn 5% back with the PayPal Debit Card

Analysis ↗

PayPal0:09Benefit

0:00 HookChoose where to earn 5% with the PayPal Debit...

0:09 Key momentOr switch it up each month

Analysis ↗

PayPalCard ad0:03Product

0:00 HookYour total is $6.50, tap to pay when ready

0:03 Key momentfirst product visual visible

Analysis ↗

PayPalCard ad0:00Value prop

0:00 HookEarn 5% back with the PayPal Debit Card

0:00 Key momentEarn 5% back with the PayPal Debit Card

Analysis ↗

PayPalNot card0:10CTA

0:00 HookShop Now

0:10 Key momentShop now with PayPal

Analysis ↗

PayPalNot card0:12CTA

0:00 HookUpgrade your sneakers

0:12 Key momentShop now

Analysis ↗

Greenlight10 videos
Greenlight, 10 ads · use the arrows or swipe
GreenlightCard ad0:17CTA

0:00 HookPOV: You're a human ATM machine

0:17 Key momentTry Green Light risk free for 1 month.

Analysis ↗

GreenlightCard ad0:19Offer

0:00 HookOften kids learn one thing about money early, how...

0:19 Key momentTry Greenlight risk-free today for one month

Analysis ↗

GreenlightCard ad0:19Proof

0:00 HookYour bank's debit card won't teach this

0:19 Key momentNow, money isn't just something they spend, it's something...

Analysis ↗

GreenlightCard ad0:21Proof

0:00 HookA University of Michigan study found that kids as young as 5...

0:21 Key momentover 6 million families use Greenlight

Analysis ↗

GreenlightCard ad0:45Proof

0:00 HookHow my kids started saving without my help

0:45 Key momentOver 6 million families use Green Light

Analysis ↗

GreenlightCard ad0:14Value prop

0:00 HookThere is a version of me that doesn't nag,...

0:14 Key momentLocation tracking, SOS alerts, 6% savings, all in one app...

Analysis ↗

GreenlightCard ad0:12Offer

0:00 HookNo way a kids debit card has cashback??

0:12 Key momentrisk-free for 1 month

Analysis ↗

GreenlightCard ad0:20Offer

0:00 HookMy afternoons got easier almost overnight.

0:20 Key momentTry GreenLight risk-free for 1 month.

Analysis ↗

GreenlightCard ad0:10Value prop

0:00 HookGuess how many times my daughter asked me for...

0:10 Key momentIt's a super app that tracks allowance and chores...

Analysis ↗

GreenlightCard ad0:05Benefit

0:00 HookI couldn't get my kids to do chores until...

0:05 Key momentWhen their chores get checked off, their allowance gets...

Analysis ↗

OnePay10 videos
OnePay, 10 ads · use the arrows or swipe
OnePay0:00Product

0:00 HookBanking that builds credit

0:00 Key momentfirst product visual visible

Analysis ↗

OnePay0:01Value prop

0:00 HookBuild credit with every swipe

0:01 Key momentTurn everyday purchases into credit building with the OnePay...

Analysis ↗

OnePayCard ad0:47Demo

0:00 HookA week of eating that builds credit??

0:47 Key momentDemo on screen

Analysis ↗

OnePayCard ad0:14Value prop

0:00 HookThings That Build Up In My House: Banking Edition

0:14 Key momentThat's why I'm using the OnePay Builder card. It's...

Analysis ↗

OnePayCard ad0:01Value prop

0:00 HookBuild credit with every first date

0:01 Key momentBuild credit with every first date with the OnePay...

Analysis ↗

OnePayCard ad0:02Product

0:00 HookBuild credit with every swipe

0:02 Key momentfirst product visual visible

Analysis ↗

OnePayNot card0:02Face

0:00 HookBanking trusted by millions

0:02 Key momentfirst face visible

Analysis ↗

OnePayNot card0:27Proof

0:00 Hook

0:27 Key momentBanking trusted by millions

Analysis ↗

OnePayNot card0:12Value prop

0:00 HookSummer Music Fest 2026

0:12 Key momentBanking for what matters

Analysis ↗

OnePayNot card0:27Value prop

0:00 Hook

0:27 Key momentBanking for what matters

Analysis ↗

Venmo10 videos
Venmo, 10 ads · use the arrows or swipe
Venmo0:28CTA

0:00 Hook...here's what I spent in a day

0:28 Key momentSign up for the Venmo debit card now

Analysis ↗

VenmoCard ad0:02Product

0:00 HookGet the best of Venmo in a debit card

0:02 Key momentfirst product visual visible

Analysis ↗

VenmoCard ad0:12CTA

0:00 HookThe Venmo Debit Card turns everyday spending into sweet...

0:12 Key momentGet the Venmo debit card

Analysis ↗

VenmoNot card0:11Benefit

0:00 HookThe best days?

0:11 Key momentHello easy splitting

Analysis ↗

VenmoNot card0:37CTA

0:00 HookGRWM FOR A DATE while I ask you about...

0:37 Key momentsend this to your boyfriend so you can dress...

Analysis ↗

VenmoNot card0:32Demo

0:00 Hookday in my life 6:00am - 2:00am college student...

0:32 Key momentDemo on screen

Analysis ↗

VenmoNot card0:10CTA

0:00 HookI'm trying to get a ride home man

0:10 Key momentCHOOSE VENMO AT CHECKOUT TO SPEND YOUR BALANCE

Analysis ↗

VenmoNot card0:15Offer

0:00 HookLong Day -> Choose Venmo At Checkout

0:15 Key momentPlus, you can earn up to 5% cash back through Venmo Stash rewards...

Analysis ↗

VenmoNot card0:15Value prop

0:00 HookGhosted on Venmo?

0:15 Key moment...let Grace be your medium and help you get paid back by your Venmo ghost.

Analysis ↗

VenmoNot card0:10Problem

0:00 HookSend this to someone who Venmo ghosted you for...

0:10 Key momentAnd you said, "Don't worry about it." But you're...

Analysis ↗

Found5 videos
Found, 5 ads · use the arrows or swipe
Found0:26CTA

0:00 HookClose your old business bank account...

0:26 Key momentI'll leave a link below so you can get...

Analysis ↗

Found0:00Value prop

0:00 HookFound Pro, Business banking that pays you back.

0:00 Key momentBusiness banking that pays you back.

Analysis ↗

Found0:04Value prop

0:00 HookBusiness owners, your banking and bookkeeping should not be...

0:04 Key moment...banking, bookkeeping, invoicing...built together in one place.

Analysis ↗

Found0:24Proof

0:00 HookAre you in control of your business finances, or...

0:24 Key momentOver 750K small business owners have chosen Found.

Analysis ↗

FoundNot card0:00Value prop

0:00 HookBusiness banking with built in tax tools

0:00 Key momentBusiness banking with built in tax tools

Analysis ↗

Mercury10 videos
Mercury, 10 ads · use the arrows or swipe
Mercury0:14Product

0:00 HookUnboxing IO

0:14 Key momentfirst product visual visible

Analysis ↗

Mercury0:10Benefit

0:00 HookCan't get business credit?

0:10 Key momentMore made possible.

Analysis ↗

MercuryCard ad1:02Proof

0:00 HookI think a philosophy as a founder is really...

1:02 Key moment...without an SSN, without physically being in SF.

Analysis ↗

MercuryCard ad0:41Proof

0:00 HookThere's never been a better time to be a...

0:41 Key momentAs a startup, our runway is not really unlimited.

Analysis ↗

MercuryNot card0:17Proof

0:00 HookWhen you run your own business you own every...

0:17 Key momentOne of the best ways using Mercury for my...

Analysis ↗

MercuryNot card0:03Product

0:00 HookYour books should know what your money knows.

0:03 Key momentfirst product visual visible

Analysis ↗

MercuryNot card0:15Value prop

0:00 HookSomewhere along the way, the work became managing the...

0:15 Key momentMercury spend gives every dollar context.

Analysis ↗

MercuryNot card0:12Benefit

0:00 HookMoney is your material.

0:12 Key momentTHIS IS MONEY SHAPED TO MOVE

Analysis ↗

MercuryNot card0:44Demo

0:00 HookMy husband and I own chai cafes in the...

0:44 Key momentDemo on screen

Analysis ↗

MercuryNot card0:48Value prop

0:00 Hook...the difference between a company that hates its customers...

0:48 Key moment...they just do the obvious thing...

Analysis ↗

Bluevine10 videos
Bluevine, 10 ads · use the arrows or swipe
Bluevine0:04Value prop

0:00 HookHave a few minutes? Apply for a business checking...

0:04 Key momentYou could earn 1.3% interest and No monthly fees

Analysis ↗

Bluevine0:03CTA

0:00 HookGet business checking that earns 1.3% interest.

0:03 Key momentApply for a business checking account.

Analysis ↗

BluevineNot card0:03Benefit

0:00 HookYour business deserves better banking.

0:03 Key moment*1.3% interest

Analysis ↗

BluevineNot card0:02Benefit

0:00 HookYour business deserves better banking.

0:02 Key moment*1.3% interest

Analysis ↗

BluevineNot card0:00Value prop

0:00 HookYou take care of business. We take care of...

0:00 Key momentYou take care of business. We take care of...

Analysis ↗

BluevineNot card0:03Proof

0:00 HookHi, I'm Carissa Byrne Hebert, the owner of CBH...

0:03 Key moment...Bluevine knows what I need as a small business owner.

Analysis ↗

BluevineNot card0:04Value prop

0:00 HookLosing track of your business expenses?

0:04 Key momentWith Bluevine, I can send invoices, get paid, and...

Analysis ↗

BluevineNot card0:01Value prop

0:00 HookInternational Payment Sent

0:01 Key momentThat's business banking, easier done than said.

Analysis ↗

BluevineNot card0:08Value prop

0:00 HookThe Business Banking Platform

0:08 Key momentThat's business banking, easier done than said.

Analysis ↗

BluevineNot card0:22Value prop

0:00 HookRunning a business comes with a lot of moving...

0:22 Key momentThat's business banking. Easier done than said.

Analysis ↗

Brex5 videos
Brex, 5 ads · use the arrows or swipe
BrexCard ad0:02Value prop

0:00 HookEliminate tool bloat with Brex

0:02 Key momentEliminate tool bloat with Brex

Analysis ↗

BrexCard ad0:10Value prop

0:00 HookYour card declined. Your client is watching.

0:10 Key momentAgentic finance that gives teams speed and control.

Analysis ↗

BrexNot card0:08Value prop

0:00 HookThe expense that became an HR meeting.

0:08 Key momentAgentic Finance that prevents out of policy spend.

Analysis ↗

BrexNot card0:09Value prop

0:00 HookA three-day approval for a $40 expense.

0:09 Key momentAgentic finance that automatically keeps spent within policy.

Analysis ↗

BrexNot card0:10Value prop

0:00 HookChecking out?

0:10 Key momentAgentic finance that prevents spend before it happens.

Analysis ↗

SoFi10 videos
SoFi, 10 ads · use the arrows or swipe
SoFiNot card0:20Offer

0:00 HookPEOPLE HAVE MONEY QUESTIONS. SoFi MEMBERS HAVE MONEY ANSWERS.

0:20 Key momentrates as low as 8.74% APR

Analysis ↗

SoFiNot card0:17Value prop

0:00 HookEXCUSE ME MISS I THINK YOU DROPPED SOMETHING

0:17 Key momentso you could save money by consolidating all of...

Analysis ↗

SoFiNot card0:04Value prop

0:00 HookSTOP PAYING OFF FOUR BALANCES and listen up

0:04 Key moment...consolidate high rate credit card debt into one simple monthly payment...

Analysis ↗

SoFiNot card0:22Value prop

0:00 HookPEOPLE HAVE MONEY QUESTIONS. SoFi MEMBERS HAVE MONEY ANSWERS.

0:22 Key momentConsolidate your debt with a SoFi Personal Loan. Low...

Analysis ↗

SoFiNot card0:25Benefit

0:00 HookName one reason to take out a SoFi Personal Loan

0:25 Key momentlow interest rates

Analysis ↗

SoFiNot card0:17Proof

0:00 HookPEOPLE HAVE MONEY QUESTIONS. SoFi MEMBERS HAVE MONEY ANSWERS.

0:17 Key momentby lowering my monthly payments and making my monthly...

Analysis ↗

SoFiNot card0:14Value prop

0:00 Hookyou keep paying your credit card bill but the...

0:14 Key momentA SoFi personal loan could help you save money...

Analysis ↗

SoFiNot card0:14Value prop

0:00 HookOne of the biggest challenges after graduation...

0:14 Key momentYou can refinance your student loans for a lower rate...

Analysis ↗

SoFiNot card0:06Benefit

0:00 HookSoFi SmartStart lets you refinance your student loans

0:06 Key momentThat could free up hundreds per month

Analysis ↗

SoFiNot card0:04Value prop

0:00 HookIf you're stuck with high interest credit card debt

0:04 Key moment...roll them into one fixed monthly payment, often at a lower rate.

Analysis ↗

MoneyLion10 videos
MoneyLion, 10 ads · use the arrows or swipe
MoneyLionNot card0:02Value prop

0:00 HookGet up to $500 of your pay early with...

0:02 Key momentVisual moment

Analysis ↗

MoneyLionNot card0:17Demo

0:00 HookPOV: a day in my little upgrades era

0:17 Key momentDemo on screen

Analysis ↗

MoneyLionNot card0:14CTA

0:00 HookGet up to $500 of your pay early with...

0:14 Key momentGET INSTACASH®

Analysis ↗

MoneyLionNot card0:07Value prop

0:00 HookWhoa, that came out of nowhere.

0:07 Key momentWith Insta Cash from Money Lion, you can get...

Analysis ↗

MoneyLionNot card0:16CTA

0:00 HookKEEP WATCHING: You could access up to $500 cash...

0:16 Key momentGET CASH NOW

Analysis ↗

MoneyLionNot card0:13CTA

0:00 HookDinner tonight?

0:13 Key momentDownload on the App Store

Analysis ↗

MoneyLionNot card0:09CTA

0:00 HookWhen I get the Instacash notification: "Approved" and suddenly...

0:09 Key momentGET CASH NOW

Analysis ↗

MoneyLionNot card0:03Proof

0:00 HookSomehow my backyard turned into everybodies summer hangout spot

0:03 Key momentwhen I'm stocking up for weekends like this, I...

Analysis ↗

MoneyLionNot card0:13Value prop

0:00 HookIf I have to wait 'til payday to buy...

0:13 Key momentGet up to $500 of your pay early with...

Analysis ↗

MoneyLionNot card0:02Value prop

0:00 HookNeed cash before your next paycheck?

0:02 Key momentMoney Lion InstaCash lets you access up to $500...

Analysis ↗

Albert9 videos
Albert, 9 ads · use the arrows or swipe
AlbertNot card0:11CTA

0:00 HookGet a loan up to $10,000

0:11 Key momentStart your 30-day trial today

Analysis ↗

AlbertNot card0:13Offer

0:00 HookBorrow up to $10,000

0:13 Key momentStart your 30-day trial today

Analysis ↗

AlbertNot card0:08CTA

0:00 Hook+$10,000 Borrowed from Albert

0:08 Key momentGet up to $10,000

Analysis ↗

AlbertNot card0:10CTA

0:00 HookGetting a loan takes forever. Okay.. then how'd I...

0:10 Key momentGet up to $10,000

Analysis ↗

AlbertNot card0:00Value prop

0:00 HookShort on cash and can't ask family for money?

0:00 Key momentGet up to $1,000

Analysis ↗

AlbertNot card0:10Value prop

0:00 HookWe'll spot you up to $1,000

0:10 Key momentYour personal financial assistant

Analysis ↗

AlbertNot card0:07Value prop

0:00 HookGet up to $1,000

0:07 Key momentYour personal financial assistant

Analysis ↗

AlbertNot card0:08Offer

0:00 HookWhen you're short on cash and you can't ask...

0:08 Key momentStart your 30-day trial today

Analysis ↗

AlbertNot card0:06Product

0:00 Hook5 reasons to borrow up to $10,000

0:06 Key momentfirst product visual visible

Analysis ↗

Robinhood4 videos
Robinhood, 4 ads · use the arrows or swipe
RobinhoodNot card0:01Value prop

0:00 HookTrade stocks, ETFs, crypto, futures, and options on Robinhood.

0:01 Key momentTrade stocks, ETFs, crypto, futures, and options on Robinhood.

Analysis ↗

RobinhoodNot card0:00Value prop

0:00 HookWith Robinhood you can trade stocks

0:00 Key moment...trade stocks, ETFs, options, futures, crypto, and more all in one app.

Analysis ↗

RobinhoodNot card0:08Benefit

0:00 HookBuild your crypto confidence

0:08 Key momentEarn rewards while you learn

Analysis ↗

RobinhoodNot card0:04Benefit

0:00 HookRobinhood makes trading and investing accessible and intuitive.

0:04 Key moment...build saving habits with an IRA match, fractional shares...

Analysis ↗

Rho10 videos
Rho, 10 ads · use the arrows or swipe
RhoNot card0:37Proof

0:00 HookYour Business Deserves Better Than Bank Of America

0:37 Key moment...On Monday, I incorporated the business on row...

Analysis ↗

RhoNot card0:00Value prop

0:00 HookYour new company has more finance tabs than customers.

0:00 Key momentBusiness accounts, cards, expenses and bill pay. One platform.

Analysis ↗

RhoNot card0:00Value prop

0:00 HookYour idle cash shouldn't sit idle.

0:00 Key momentRho Treasury, in the same place as your checking.

Analysis ↗

RhoNot card0:06CTA

0:00 HookSwitch banks on your own schedule

0:06 Key momentOPEN THE ACCOUNT TODAY

Analysis ↗

RhoNot card0:00Value prop

0:00 HookStart with $0. Pay $0 in fees.

0:00 Key momentStart with $0, Pay $0 in fees.

Analysis ↗

RhoNot card0:00Value prop

0:00 HookJust closed your round? Don't leave it all in...

0:00 Key momentRho Treasury, in the same place as your checking.

Analysis ↗

RhoNot card0:00Hook

0:00 HookYou don't need 6 tools and logins to run...

0:00 Key momentAgainst a black background, 3D animated financial icons assemble...

Analysis ↗

RhoNot card0:23Demo

0:00 HookSo, this banking platform can now actually also start...

0:23 Key momentDemo on screen

Analysis ↗

RhoNot card0:00Logo

0:00 HookTwo steps to stop paying your old bank:

0:00 Key momentRho

Analysis ↗

RhoNot card0:30Proof

0:00 HookStill Using A Traditional Bank For Your Business?

0:30 Key momentI actually incorporated my business on Rho...

Analysis ↗

Square10 videos
Square, 10 ads · use the arrows or swipe
SquareNot card0:01Product

0:00 HookStart taking payments fast with Square.

0:01 Key momentfirst product visual visible

Analysis ↗

SquareNot card0:02Benefit

0:00 HookGet paid fast with Square Invoices.

0:02 Key momentGet paid fast with Square Invoices.

Analysis ↗

SquareNot card0:04Benefit

0:00 HookGet hardware that works fast with Square.

0:04 Key momentTrain employees quickly and keep lines moving.

Analysis ↗

SquareNot card0:12CTA

0:00 HookOpening another business? Set it up with Square.

0:12 Key momentVisual moment

Analysis ↗

SquareNot card0:11CTA

0:00 HookHi, I'm Jenny Goodman.

0:11 Key momentStay tuned for the next season of The Build...

Analysis ↗

SquareNot card0:05Benefit

0:00 HookGet every order right, every time with Square.

0:05 Key momentSEE MORE ORDERS QUICKLY WITH A BIGGER SCREEN.

Analysis ↗

SquareNot card0:05Value prop

0:00 HookHow can I manage my beauty business in one...

0:05 Key momentManage bookings, payments, client intelligence, and more...

Analysis ↗

SquareNot card0:08CTA

0:00 HookGet up to $5,000 off Square hardware.

0:08 Key momentTalk to our team today.

Analysis ↗

SquareNot card0:07Proof

0:00 HookWe're a very analog restaurant.

0:07 Key moment...the technology can be out of sight...

Analysis ↗

SquareNot card0:18Proof

0:00 HookBehind every order is a story

0:18 Key momentWhen we chose Square, we were looking for something interactive...

Analysis ↗

Ad formats, defined
  • Testimonial15A user speaks about their own experience, lo-fi.
  • Mashup6Fast montage of many different people using the product.
  • Authority expert2A professional (doctor, coach, specialist) gives advice.
  • Comment reply3The video answers an on-screen social media comment.
  • Listicle6Numbered points ("3 reasons...").
  • Myth buster2Challenges a common belief ("Stop doing X").
  • Tutorial hack7Step-by-step instructions or a clever trick.
  • Pain point story12A relatable struggle told with high emotion.
  • Founder story0The owner's personal "why I built this".
  • Day in the life7Lifestyle or routine vlog, product in a supporting role.
  • Pov12First-person view, the viewer's hands use the product.
  • Aesthetic asmr1Satisfying product sounds and visuals, little talking.
  • Pattern interrupt1Weird or shocking content that breaks the scroll.
  • Torture test0Extreme demo under "impossible" conditions.
  • Us vs them0Side by side: our brand vs the alternative.
  • Before after0Clear problem state vs result state.
  • Short form vsl27Scripted direct-to-camera pitch with a hard offer.

Quotes are verbatim from each ad's Connecty record. Key moment = the second the ad delivers its main payload, per Connecty. Headlines, ideas and brand rows are our reading of that data.

Source: Connecty analysis of 127 public Meta ads, 2026-11-04. Still-watching % is an industry benchmark, not real playback. No spend or sales data.
Network

FintechUS · Visa · Nov 2026

What's trending, and ideas for inspiration

Meta ads from 8 US fintech brands with Visa cards, analyzed by Connecty.

Top ads by impressions
TiltNot card0:23CTA

0:00 HookThis is what I have in my bank account...

0:23 Key momentDownload the app and get started today.

Analysis ↗

Klarna0:04Offer

0:00 HookTake your money further

0:04 Key momentGet your first month for free

Analysis ↗

Varo0:00Proof

0:00 HookBORROW UP TO $2,000 WITH VARO LIKE A BO$$

0:00 Key momentAvg: $825

Analysis ↗

Chime0:07CTA

0:00 HookOpen a Chime Checking Account in 2 minutes...

0:07 Key momentApply now.

Analysis ↗

Step0:11Value prop

0:00 HookOne Card. Extremely Different Results

0:11 Key momentI build my credit and there's no way I...

Analysis ↗

UpgradeNot card0:12CTA

0:00 HookWe're unable to approve your credit card application at...

0:12 Key momentSign up today

Analysis ↗

WiseNot card0:05Value prop

0:00 HookMOVING YOUR LIFE SAVINGS ACROSS BORDERS?

0:05 Key momentUSING WISE TO DO IT? A GREAT DEAL

Analysis ↗

RelayNot card0:00Hook

0:00 HookThe American Dream, according to 1,000 small business owners.

0:00 Key momentThe hook itself

Analysis ↗

Motive

What makes people click: cash before payday leads

24 of 63 Visa videos sell cash before payday, from Chime, Step, Varo, Tilt and Upgrade. 13 sell cash back. The motive per ad is our reading of its hook and value prop.

How the card network shows up in the ads
Mastercard

15 brands. 43 of 127 videos are card ads, 20 of them with the Mastercard logo. The rest sell payments, loans, cash advances, trading or business banking.

Visa

8 brands. 27 of 63 videos are card ads, 14 of them with the Visa logo. Chime, Klarna and Step make 25 of the 27.

What makes people click, by motive, of 63
  • Cash before payday (Chime, Step, Varo, Tilt, Upgrade)24
  • Cash back (Chime, Step, Klarna)13
  • Build credit (Chime, Step, Tilt)8
  • Send money abroad (Wise)5
  • A loan or line of credit (Varo)4
  • A survey report (Relay)4
  • Pay later (Klarna)2
  • A free account, no fees (Chime, Varo)2
  • Get paid early (Varo)1

Hook to payoff

How the strongest ads go from first line to key moment

5 ads, hook to key moment · use the arrows or swipe
TiltNot card
Tilt 1

Show the two numbers: what you have and what's due.

Analysis ↗

0:00 HookThis is what I have in my bank account...
ProblemSaid in the hook
BenefitYou can get access to up to $500 instantly.
0:23CTA
Download the app and get started today.6% still watching (benchmark)
Step
Step 2

Sell what good credit buys, like a first car.

Analysis ↗

0:00 HookBUYING MY FIRST CAR AT 18
ProblemSaid in the hook
Benefitgot approved for a low interest loan without my parents' help because my credit was so good
0:00Proof
This is how I got my first car when...96% still watching (benchmark)
Step
Step 1

Put three people and one card side by side.

Analysis ↗

0:00 HookOne Card. Extremely Different Results
ProblemI don't earn any rewards.
BenefitI build my credit and there's no way I can go into debt.
0:11Value prop
I build my credit and there's no way I...13% still watching (benchmark)
TiltNot card
Tilt 6

Use a bill that earns sympathy, like the dog's vet bill.

Analysis ↗

0:00 HookGuess which one of these troublemakers owes me $350...
ProblemSaid in the hook
Benefitwhich means getting my dogs the care they need without setting my savings back
0:19CTA
head to tilt.com to get started today7% still watching (benchmark)
ChimeCard ad
Chime 10

Name the week: rent is paid, groceries aren't.

Analysis ↗

0:00 HookPOV: You're just paid rent but you gotta buy...
ProblemSaid in the hook
BenefitGet covered up to $200
0:09Value prop
Get covered up to $20015% still watching (benchmark)

Brand ideas

One idea from each brand

8 brands · use the arrows or swipe
Chime10 videos · key moment avg 0:08

Steal

Let a creator trade the link for a comment.

Chime 4 ↗All ads ↗

Motive
Cover the gap before payday, in 5 of 10: "we'll spot you up to $200". Cash back leads 3.
Hook
The offer is the first line in 3 of 10: "Get overdraft coverage up to $200*"
Card
A card ad in all 10, Visa logo in 8.
Gap
Only 2 of 10 show a face. 7 are motion graphics.
Step8 videos · key moment avg 0:07

Steal

Sell what good credit buys, like a first car at 18.

Step 2 ↗All ads ↗

Motive
Build credit as a teen, in 4 of 8: "So, if you're a teenager, this is your cheat code."
Hook
A person on camera in 7 of 8. The outcome comes first: "BUYING MY FIRST CAR AT 18"
Card
Card ads in 5 of 8, Visa logo in 3.
Gap
7 of 8 show no offer.
Varo10 videos · key moment avg 0:02

Steal

Put the average loan on screen, not only the maximum.

Varo 3 ↗All ads ↗

Motive
A loan or cash before payday, in 8 of 10: "Borrow up to $250 today" or up to $2,000.
Hook
All 10 are text-only motion graphics, 3 to 14 seconds, with no voice.
Card
Card ads in 2 of 10, Visa logo in 1. The other 8 sell loans and advances.
Gap
No CTA in 8 of 10.
Klarna10 videos · key moment avg 0:05

Steal

Call out the boring card in the first second.

Klarna 3 ↗All ads ↗

Motive
Cash back on the debit card, in 8 of 10: "Every debit purchase pays you back"
Hook
All 10 run 6 to 15 seconds and show no face.
Card
Card ads in all 10, Visa logo in 2.
Gap
No video says how much a shopper got back.
Tilt9 videos + 1 image · key moment avg 0:16

Steal

Use a bill that earns sympathy, like the dog's vet bill.

Tilt 6 ↗All ads ↗

Motive
Cash before payday in 6 of 9 videos. Building credit after a denial in 3.
Hook
A real bill in the first line: rent, the light bill, gas, "$350 in emergency vet bills". A face in 9 of 9.
Card
No card ad in 9 videos.
Gap
6 of 9 land the key moment after 0:15.
Upgrade7 videos · key moment avg 0:09

Steal

Write the money gap as a text between roommates.

Upgrade 4 ↗All ads ↗

Motive
A paycheck advance, in all 7. 6 name a BoostCash™ advance of up to $500.
Hook
A small money moment as on-screen text in 6 of 7: "Binxy is due for his wellness exam and I have $12"
Card
No card ad in 7.
Gap
No voice in 6 of 7. 1 of 7 hooks is rated strong.
Wise5 videos · key moment avg 0:07

Steal

Tie the transfer to a date that can't slip, like a destination wedding.

Wise 3 ↗All ads ↗

Motive
Send money abroad, in all 5. 3 tie it to a life event: a move abroad, a destination wedding.
Hook
Big text that names the moment: "WHEN YOU PUT A RING ON IT"
Card
No card ad in 5.
Gap
3 of 5 have a weak CTA.
Relay4 videos · key moment avg 0:00

Steal

Lead with one survey number.

Relay 4 ↗All ads ↗

Motive
A survey report, in all 4: "See what 1,000+ small business owners told us about money and freedom."
Hook
The American Dream is the hook in 3 of 4.
Card
No card ad in 4.
Gap
All 4 sell the report, not the account.

Timing

When the key moment lands, and how many still watch

Varo lands it by 0:03 in 8 of 10 videos. Tilt lands it after 0:15 in 6 of 9, when 7% or fewer still watch (benchmark).

Key moment vs. share still watchingIndustry benchmark, not real playback
Chime 2, key moment 0:00Chime 5, key moment 0:00Step 2, key moment 0:00Step 4, key moment 0:00Varo 1, key moment 0:00Varo 2, key moment 0:00Varo 4, key moment 0:00Klarna 6, key moment 0:00Relay 1, key moment 0:00Relay 3, key moment 0:00Relay 4, key moment 0:00Varo 6, key moment 0:01Relay 2, key moment 0:01Varo 5, key moment 0:02Varo 7, key moment 0:02Varo 9, key moment 0:02Step 5, key moment 0:03Varo 3, key moment 0:03Klarna 8, key moment 0:03Step 7, key moment 0:04Varo 8, key moment 0:04Klarna 1, key moment 0:04Klarna 2, key moment 0:04Klarna 3, key moment 0:04Klarna 9, key moment 0:04Step 6, key moment 0:05Klarna 7, key moment 0:05Tilt 8, key moment 0:05Wise 1, key moment 0:05Wise 4, key moment 0:05Wise 5, key moment 0:05Klarna 5, key moment 0:06Tilt 7, key moment 0:06Wise 2, key moment 0:06Chime 1, key moment 0:07Chime 3, key moment 0:07Chime 7, key moment 0:07Chime 8, key moment 0:07Upgrade 3, key moment 0:07Upgrade 6, key moment 0:07Upgrade 7, key moment 0:07Chime 9, key moment 0:08Chime 10, key moment 0:09Upgrade 4, key moment 0:09Varo 10, key moment 0:10Klarna 4, key moment 0:10Klarna 10, key moment 0:10Tilt 2, key moment 0:10Chime 6, key moment 0:11Step 1, key moment 0:11Step 8, key moment 0:11Upgrade 1, key moment 0:12Upgrade 2, key moment 0:12Upgrade 5, key moment 0:12Wise 3, key moment 0:13Tilt 3, key moment 0:19Tilt 4, key moment 0:19Tilt 5, key moment 0:19Tilt 6, key moment 0:19Step 3, key moment 0:23Tilt 1, key moment 0:23Tilt 9, key moment 0:24Chime 4, key moment 0:25after 0:15
Average key moment by brand
  • Relay0:00
  • Varo0:02
  • Klarna0:05
  • Wise0:07
  • Step0:07
  • Chime0:08
  • Upgrade0:09
  • Tilt0:16

Proof

How much real proof the ads show

4 of 63 videos show strong proof. 21 show none.

StepNot card
Step 8A member's own words, on camera

Proof strength · 63 videos

Real proof

  • StrongThe best part is, I don't have to think about it. Step 8
    4
  • ModerateStep users literally have an average initial credit score of 721 when they turn 18. Step 3
    25
  • WeakMillions already pay with Klarna Klarna 2, on screen
    13
  • NoneNo proof line
    21

29 real · 34 weak or none

Gap

Cash back is promised, but no one shows what came back

16 of 63 videos promise cash back or perks. None says how much a real customer got back.

KlarnaCard ad
Klarna 9The promise, with no amount earned

Cash back claims · 63 videos

What a customer actually got back

  • Promises cash back or perksEvery debit purchase pays you back Same spending, more cashback Roll into 5% cash back the perks of a cashback credit card
    16
  • Says how much a customer got backNot in any video
    0

Idea to test · Show one customer's real cash back total from last month.

Ad content

Which ads have a strong hook and real proof

29 of 63 videos have a strong hook. Tilt shows real proof in 9 of 9, Klarna in 0 of 10.

% of each brand's videos · last row = number of videos
BrandStrong hookPayoff by 0:03ProblemBenefitOfferPriceUrgencyStrong proofClear CTACaptions
Chime1070%20%10%70%80%0%0%0%80%10%
Step8100%38%38%88%12%0%0%12%88%75%
Varo100%80%0%70%40%10%0%20%20%0%
Klarna1040%20%10%60%30%0%0%0%70%0%
Tilt978%0%100%100%100%100%0%11%100%100%
Upgrade714%0%86%71%57%57%0%0%100%0%
Wise520%0%80%20%0%0%0%0%40%0%
Relay425%100%25%0%0%0%0%0%75%0%
All 63videos291925422914044516

Formats

Which ad formats the brands use

Short form VSL leads with 15 of 63 videos, then pain point story and POV with 8 each. Founder story, day in the life and before and after appear in none.

Videos per format · 63 videos
  • Testimonial3
  • Mashup1
  • Authority expert0
  • Comment reply0
  • Listicle5
  • Myth buster1
  • Tutorial hack0
  • Pain point story8
  • Founder story0
  • Day in the life0
  • Pov8
  • Aesthetic asmr3
  • Pattern interrupt1
  • Torture test0
  • Us vs them2
  • Before after0
  • Short form vsl15
  • Not classified16

Used once or not at all: Mashup, Authority expert, Comment reply, Myth buster, Tutorial hack, Founder story, Day in the life, Pattern interrupt, Torture test, Before after.

Image ads

The one image ad, from Tilt

It puts "+$500" and a review rating up front: "Trusted by 5M+ Customers".

1 image ads · use the arrows or swipe

Brief next

Three concepts worth testing now

Each one pairs an idea that already works here with a gap no brand fills.

01

Cash back you can count

16 of 63 videos promise cash back or perks, and none shows a real total. Film one customer's month: what they spent and what came back.

02

One real bill per video

24 of 63 videos sell cash before payday. Tilt 6 uses a vet bill and Upgrade 2 a wellness exam. Name one bill and its amount in the first line, a new bill each video.

03

What good credit buys

8 of 63 videos sell building credit. Only Step 2 tells it as a story: a first car at 18. Show the next payoff, like a first apartment or a lower rate.

More detail

Every quote, every ad and the format definitions

What they say, word for word

Hook63 of 63 ads

Cash ads open on a bill or a short week. Card ads open on cash back or the card itself.

Problem25 of 63 ads

The problem is a bill due before payday, or a credit card denial.

  • I don't get paid until next week, and I just spent my last $25 on gas.Tilt 4 ↗
  • When you budgeted for an oil change, but the mechanic had other plans.Upgrade 3 ↗
  • I've been denied for every credit card I've ever applied forTilt 8 ↗
  • POV, you're just paid rent, but got to buy groceries.Chime 10 ↗

Benefit42 of 63 ads

The benefit is no catch: no interest, no credit check, no fees.

  • No interest, no late fees, and no credit check.Tilt 5 ↗
  • It's a secured credit card so you can't overspend that there's no interest and no risk of going into debt.Step 4 ↗
  • Plus, you'll pay no overdraft feesChime 9 ↗
  • Build up to $700 over time with direct deposit.Varo 4 ↗

Proof23 of 63 ads

Proof is an average loan, a credit score number or a review badge.

  • Avg loan: $170Varo 3 ↗
  • Step users literally have an average initial credit score of 721 when they turn 18.Step 3 ↗
  • Excellent TrustpilotTilt 7 ↗
  • 91% of business owners still believe in the American Dream.Relay 4 ↗

CTA50 of 63 ads

The CTA is an app download or a sign-up. Chime 4 asks for a comment instead.

All 64 ads, brand by brand

Chime10 videos
Chime, 10 ads · use the arrows or swipe
Chime0:07CTA

0:00 HookOpen a Chime Checking Account in 2 minutes...

0:07 Key momentApply now.

Analysis ↗

Chime0:00Value prop

0:00 HookGet 5% cash back and safely build credit with...

0:00 Key momentGet 5% cash back and safely build credit with...

Analysis ↗

Chime0:07CTA

0:00 HookGet into the flow with fee-free banking

0:07 Key momentSign Up Now

Analysis ↗

Chime0:25Value prop

0:00 HookSo I think I just found one of the best no annual fee credit cards

0:25 Key moment...unlock travel perks all in one setup

Analysis ↗

Chime0:00Value prop

0:00 HookGet overdraft coverage up to $200*

0:00 Key momentGet overdraft coverage up to $200

Analysis ↗

Chime0:11CTA

0:00 HookRoll into 5% cash back

0:11 Key momentOpen a Chime Account in minutes and set up...

Analysis ↗

Chime0:07CTA

0:00 HookBUILD YOUR CREDIT FOR A BETTER FUTURE

0:07 Key momentSign up in minutes.

Analysis ↗

Chime0:07CTA

0:00 HookGet overdraft coverage up to $200*

0:07 Key momentSign up in minutes

Analysis ↗

ChimeCard ad0:08CTA

0:00 HookOpen a Chime Checking Account in 2 minutes

0:08 Key momentApply now.

Analysis ↗

ChimeCard ad0:09Value prop

0:00 HookPOV: You're just paid rent but you gotta buy...

0:09 Key momentGet covered up to $200

Analysis ↗

Step8 videos
Step, 8 ads · use the arrows or swipe
Step0:11Value prop

0:00 HookOne Card. Extremely Different Results

0:11 Key momentI build my credit and there's no way I...

Analysis ↗

Step0:00Proof

0:00 HookBUYING MY FIRST CAR AT 18

0:00 Key momentThis is how I got my first car when...

Analysis ↗

Step0:23CTA

0:00 HookThe Best Credit Card for Teens.

0:23 Key momentIf you want to help your younger siblings, sign...

Analysis ↗

StepCard ad0:00Hook

0:00 HookThe Step Visa Card has to be your first...

0:00 Key momentThe hook itself

Analysis ↗

StepCard ad0:03CTA

0:00 HookDo you want the perks of a cashback credit...

0:03 Key momentThen download the free step app

Analysis ↗

StepNot card0:05CTA

0:00 HookPOV: payday's Friday but you're hungry today

0:05 Key momentDownload Step

Analysis ↗

StepNot card0:04CTA

0:00 Hookpov: banking you trust as much as your spotify...

0:04 Key momentdownload Step and bank the simple way

Analysis ↗

StepNot card0:11Proof

0:00 HookPayday feels so far away

0:11 Key momentThe best part is, I don't have to think...

Analysis ↗

Varo10 videos
Varo, 10 ads · use the arrows or swipe
Varo0:00Proof

0:00 HookBORROW UP TO $2,000 WITH VARO LIKE A BO$$

0:00 Key momentAvg: $825

Analysis ↗

VaroCard ad0:00Benefit

0:00 HookBORROW WITH Varo

0:00 Key momentGet up to $250 today.

Analysis ↗

VaroNot card0:03Benefit

0:00 HookVaro CASH ADVANCE Borrow up to $250

0:03 Key momentBuild up to $700 over time with direct deposit

Analysis ↗

VaroNot card0:00Benefit

0:00 HookBORROWING. EVOLVED.

0:00 Key momentBuild up to $700 over time with direct deposit.

Analysis ↗

VaroNot card0:02Benefit

0:00 HookMEET THE BANK THAT DOES IT ALL

0:02 Key momentBorrow up to $250 today. Build up to $700...

Analysis ↗

VaroNot card0:01Offer

0:00 HookIT'S SO EASY TO BORROW WITH VARO

0:01 Key momentLike, between $600–$2,000 with Varo Line of Credit.

Analysis ↗

VaroNot card0:02Benefit

0:00 HookBORROW BETTER WITH VARO

0:02 Key momentKeep building up to $2,000

Analysis ↗

VaroNot card0:04Logo

0:00 HookBorrow up to $2,000

0:04 Key momentLogo

Analysis ↗

VaroNot card0:02Proof

0:00 HookVARO HAS CHANGED THE WAY I THINK ABOUT MONEY.

0:02 Key momentVARO HAS CHANGED THE WAY I THINK ABOUT MONEY.”...

Analysis ↗

VaroNot card0:10CTA

0:00 HookBORROW WITH Varo

0:10 Key momentSign up for a Varo Bank Account in less...

Analysis ↗

Klarna10 videos
Klarna, 10 ads · use the arrows or swipe
Klarna0:04Offer

0:00 HookTake your money further

0:04 Key momentGet your first month for free

Analysis ↗

Klarna0:04Value prop

0:00 HookMillions already pay with Klarna

0:04 Key momentNow there's a card to do it everywhere

Analysis ↗

KlarnaCard ad0:04CTA

0:00 HookThis isn't a boring bank card.

0:04 Key momentInstall now

Analysis ↗

KlarnaCard ad0:10Offer

0:00 HookTake your money further

0:10 Key momentGet your first month for free

Analysis ↗

KlarnaCard ad0:06Benefit

0:00 HookPerks you actually remember.

0:06 Key momentNot fees you forgot you had.

Analysis ↗

KlarnaCard ad0:00Product

0:00 HookA card with zero perks A card that gets...

0:00 Key momentProduct on screen

Analysis ↗

KlarnaCard ad0:05CTA

0:00 HookSame spending, more cashback

0:05 Key momentGet Klarna Max

Analysis ↗

KlarnaCard ad0:03CTA

0:00 HookMore cashback on every debit purchase

0:03 Key momentGet Klarna Max

Analysis ↗

KlarnaCard ad0:04CTA

0:00 HookEvery debit purchase pays you back

0:04 Key momentGet Klarna Max

Analysis ↗

KlarnaCard ad0:10CTA

0:00 HookSpending that pays you back

0:10 Key momentTry Klarna Premium now

Analysis ↗

Tilt9 videos, 1 image
Tilt, 10 ads · use the arrows or swipe
TiltNot card0:23CTA

0:00 HookThis is what I have in my bank account...

0:23 Key momentDownload the app and get started today.

Analysis ↗

TiltNot card0:10Value prop

0:00 HookAre you kidding me right now?

0:10 Key momentUp to $500, no interest, no late fees, and...

Analysis ↗

TiltNot card0:19Value prop

0:00 HookNotebooks, almost $10.

0:19 Key momentAnd it's because Tilt sees you as more than...

Analysis ↗

TiltNot card0:19CTA

0:00 HookI don't get paid until next week, and I...

0:19 Key momentdownload Tilt today to get started.

Analysis ↗

TiltNot card0:19CTA

0:00 HookI'm a history teacher and my husband is a ranch hand...

0:19 Key momenthead over to tilt.com today to get started

Analysis ↗

TiltNot card0:19CTA

0:00 HookGuess which one of these troublemakers owes me $350...

0:19 Key momenthead to tilt.com to get started today

Analysis ↗

TiltNot card0:06Value prop

0:00 HookYou can pay all your bills on time, you...

0:06 Key momentThe tilt line of credit is built to help...

Analysis ↗

TiltNot card0:05Value prop

0:00 HookI've been denied for every credit card I've ever...

0:05 Key momentThe tilt line of credit is built to help...

Analysis ↗

TiltNot card0:24CTA

0:00 HookYOUR FINANCIAL PAST SHOULDN'T DETERMINE WHAT'S POSSIBLE FOR YOUR...

0:24 Key momentGo to tilt.com to get started today.

Analysis ↗

Upgrade7 videos
Upgrade, 7 ads · use the arrows or swipe
UpgradeNot card0:12CTA

0:00 HookWe're unable to approve your credit card application at...

0:12 Key momentSign up today

Analysis ↗

UpgradeNot card0:12CTA

0:00 HookBinxy is due for his wellness exam and I...

0:12 Key momentSign up today

Analysis ↗

UpgradeNot card0:07Value prop

0:00 HookWhen you budgeted for an oil change, but the...

0:07 Key momentGet a BoostCash™ advance of up to $500*

Analysis ↗

UpgradeNot card0:09CTA

0:00 Hookdid you eat my leftovers

0:09 Key momentSign up today

Analysis ↗

UpgradeNot card0:12CTA

0:00 HookWe're unable to approve your credit card application at...

0:12 Key momentSign up today

Analysis ↗

UpgradeNot card0:07CTA

0:00 HookYou could get $53*

0:07 Key momentTap to Get Started

Analysis ↗

UpgradeNot card0:07CTA

0:00 HookWhen 'just the essentials' feels more like a luxury...

0:07 Key momentSign up today

Analysis ↗

Wise5 videos
Wise, 5 ads · use the arrows or swipe
WiseNot card0:05Value prop

0:00 HookMOVING YOUR LIFE SAVINGS ACROSS BORDERS?

0:05 Key momentUSING WISE TO DO IT? A GREAT DEAL

Analysis ↗

WiseNot card0:06Demo

0:00 HookMillions of people around the globe send money abroad

0:06 Key momentSend 1,250 EUR

Analysis ↗

WiseNot card0:13Value prop

0:00 HookWHEN YOU PUT A RING ON IT Don't miss...

0:13 Key momentStay on track for the big day with scheduled...

Analysis ↗

WiseNot card0:05Value prop

0:00 HookWHEN YOU PUT A RING ON IT

0:05 Key momentStay on track for the big day with scheduled...

Analysis ↗

WiseNot card0:05Value prop

0:00 HookDON'T RELY ON REMINDERS FOR BILLS OVERSEAS

0:05 Key momentKeep your global life on track with scheduled overseas...

Analysis ↗

Relay4 videos
Relay, 4 ads · use the arrows or swipe
RelayNot card0:00Hook

0:00 HookThe American Dream, according to 1,000 small business owners.

0:00 Key momentThe hook itself

Analysis ↗

RelayNot card0:01Proof

0:00 HookWHAT DOES THE AMERICAN DREAM ACTUALLY COST IN 2026?

0:01 Key momentSee what 1,000+ small business owners told us about...

Analysis ↗

RelayNot card0:00Problem

0:00 HookIndependence has a minimum balance.

0:00 Key momentIndependence has a minimum balance.

Analysis ↗

RelayNot card0:00Proof

0:00 Hook91% of business owners still believe in the American...

0:00 Key moment91% of business owners still believe in the American...

Analysis ↗

Ad formats, defined
  • Testimonial3A user speaks about their own experience, lo-fi.
  • Mashup1Fast montage of many different people using the product.
  • Authority expert0A professional (doctor, coach, specialist) gives advice.
  • Comment reply0The video answers an on-screen social media comment.
  • Listicle5Numbered points ("3 reasons...").
  • Myth buster1Challenges a common belief ("Stop doing X").
  • Tutorial hack0Step-by-step instructions or a clever trick.
  • Pain point story8A relatable struggle told with high emotion.
  • Founder story0The owner's personal "why I built this".
  • Day in the life0Lifestyle or routine vlog, product in a supporting role.
  • Pov8First-person view, the viewer's hands use the product.
  • Aesthetic asmr3Satisfying product sounds and visuals, little talking.
  • Pattern interrupt1Weird or shocking content that breaks the scroll.
  • Torture test0Extreme demo under "impossible" conditions.
  • Us vs them2Side by side: our brand vs the alternative.
  • Before after0Clear problem state vs result state.
  • Short form vsl15Scripted direct-to-camera pitch with a hard offer.

Quotes are verbatim from each ad's Connecty record. Key moment = the second the ad delivers its main payload, per Connecty. Headlines, ideas and brand rows are our reading of that data.

Source: Connecty analysis of 64 public Meta ads (63 video, 1 image), 2026-11-04. Still-watching % is an industry benchmark, not real playback. No spend or sales data.

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