Revolut Premium vs Tomorrow Change
Comparison of fees, limits and features available by fintech experts
Review by
Head of Fintech Research
Published: 06.12.22
Updated: 06.12.22
Published: 06.12.22
Updated: 06.12.22
Choosing between Revolut Premium and Tomorrow Change? Today, we will be comparing these bank accounts, providing you with a complete overview of features available, pricing and fees. Firstly, we will provide a quick summary and key information about the two banks, after which you can explore our comparison table listing all the key information on fees and products available for both of the options. At the end of the article, we provide bullet points of key pros and cons of both options and our verdict.
Revolut vs Tomorrow bank is a really tough choice. Both represent the digital banking "elite", and both "Premium" and "Change" are flagship premium-segment plans packed with exciting and useful features. There are no doubts these banks are secure, regulated and trustworthy, and they definitely deliver on all of the "bread-and-butter" banking needs. However, you really need more than that to stand out among the competition nowadays - and the best part is, both accounts do. But how do you choose one over another? Let's dig into the specifics.
Revolut Premium
Revolut
Europe's biggest neobank, Revolut is a pioneer of mobile-first banking. Offering a wide range of financial services and banking products, including (but not limited to!) trading stocks and crypto, Revolut is a safe option regardless of customer's country of residence.
28'000'000+
London, UK
General Information
- Deposit ProtectionUp to £85'000
- Customer SupportChat, email
- Currencies30+ currencies
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
- Monese Simple vs Revolut Standard
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- bunq Easy Bank Pro XL vs Revolut Metal
- Revolut Premium vs bunq Easy Bank Pro
Tomorrow Change
Tomorrow
Tomorrow represents the future of banking with a focus on being transparent, digital and sustainable. Instead of focusing purely on profits, the bank is instead committed to ethical investment practices and creating social equity.
90'000+
Hamburg, DE
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportPhone, chat, email
- CurrenciesEUR
Bank Accounts
- Individuals Starting at €3.0
- Businesses
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
Bank Accounts for Individuals
Read our detailed reviews of personal bank accounts available at some of the world's most popular online banks, compare the plans they offer, explore their pricing and discover all the hidden fees.
Comparison table
It is important to keep your specific use cases in mind and identify the key characteristics you care about. In order to assist you in this assessment, we provide a side-by-side breakdown of features and fees between Revolut Premium and Tomorrow Change in a comparison table below.
 Premium |  Change | |
|---|---|---|
| Price, per month | € 7.99 | € 8.00 |
| Commitment | 12 months | Cancel monthly |
| Sign-up bonus | -20% paying annually | - |
| Official website | revolut.com | tomorrow.one |
| Accounts | ||
| IBANs | LT, UK | DE |
| Sub-accounts included | 1 | 5 |
| Shared accounts | ❌ | Included for free |
| Child accounts | ✔️ | ❌ |
| Mobile Payments | ||
| Apple Pay | ✔️ | ✔️ |
| Google Pay | ✔️ | ✔️ |
| Samsung Pay | ❌ | ❌ |
| Others | Garmin Pay, Fitbit Pay | - |
| Cards | ||
| Cards available | Mastercard | Visa |
| Cards included | 2 | 1 |
| Maestro/VPay | ❌ | ✔️ |
| Debit cards | ✔️ | ✔️ |
| Credit cards | ❌ | ❌ |
| Virtual cards | ✔️ | ❌ |
| Extra card fee | - | - |
| Replacement fee | € 10.00 | € 10.00 |
| Free replacements | 1 per year | - |
| Metal card | ❌ | ❌ |
| Wooden cards | ❌ | ✔️ |
| Payment Methods | ||
| iDeal | ✔️ | ❌ |
| SOFORT | ✔️ | ✔️ |
| Bancontact | ❌ | ❌ |
| Various Fees | ||
| SWIFT (receive) | € 2.00 | € 3.00 |
| Foreign exchange fee | 0.50% | - |
| Currency fee-free limit | up to € 1000 per month | - |
| ATM Withdrawals | ||
| Daily limit | € 3000 | € 500 |
| Free withdrawals, per month | 5 times | 5 times |
| After that, per withdrawal | 2.0% | € 3.00 |
| Withdrawal fee abroad | 2.0% | € 2.00 |
| Interest Rate | ||
| Current accounts | 0.0% | 0.0% |
| Savings accounts | 0.0% | ❌ |
| Transaction & Deposit Limits | ||
| Deposit limit | - | - |
| Deposit Protection | Up to £85'000 | Up to €100'000 |
| Monthly spend limit | - | € 10,000 |
| Other financial products | ||
| Overdraft | ❌ | None p/m |
| Investments in-app | ✔️ | ❌ |
| Crypto trading | ✔️ | ❌ |
| Cheques | ❌ | ❌ |
| Cashback | ❌ | ❌ |
| Insurance | Travel | ❌ |
| Lounge access | After 1 hour delay | ❌ |
| Transaction categorization | ✔️ | ✔️ |
| Purchase protection | €2'500 per year limit | ❌ |
| Round-up savings | ✔️ | ✔️ |
| Budgeting features | ✔️ | ❌ |
| Deals & Discounts | ✔️ | ✔️ |
| Other benefits | Powerful analytics | Carbon footprint |
| Learn more | revolut.com | tomorrow.one |
Tomorrow & Revolut: Pros & Cons
The detailed breakdown of dozens of terms and complex fee structures can get overwhelming - to avoid that, here are some of the key benefits and disadvantages of both Revolut and Tomorrow's propositions.
Revolut Premium
Shared banking options: Junior accounts for 2 kids and Group Vaults for saving together included in this plan.- Disposable virtual cards and two customizable physical cards with a wide range of exclusive designs included in subscription.
- You get both a European IBAN and a UK bank account included at no additional cost with this subscription.
ATM withdrawals after a fairly low €400 monthly allowance comes at a high fee of 2%.- No metal cards available - you would need to upgrade to a more expensive Metal plan for that.
- Revolut users frequently encounter services declining Revolut IBANs service due to bank's excessive anti-fraud policies.
Tomorrow Change
- An ability to deposit cash into your bank account at a low fee of 1,0% and 5 free ATM withdrawals a month.
- Shared bank account at no extra cost - it is included in the Change monthly subscription.
- Ability to track your climate impact in real-time, benefits from green partnerships and ethical investments.
- No interest rate on savings accounts nor investment features - these are still in development.
- No business accounts available - this is only a downside for entrepreneurs and freelancers.
- While Tomorrow does provide a phone support, it is only available from Monday to Friday. Live chat is 24/7 however!
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Our Verdict: Revolut Premium or Tomorrow Change?
Ultimately, the choice comes down to your specific needs. Revolut, being a more established bank overall, offers an impressive range of niche features. Tomorrow, on the other hand, cares deeply about sustainability and ethical investment practices in banking and has an app with a much cleaner user interface and (according to online reviews) a more responsive customer support.
However, you must take into account the fact that Tomorrow's product is built around the needs of a German user, while Revolut has been servicing users all over the world for years already. This means that you need to carefully check if Tomorrow supports all the local banking "must-haves" you can't survive without in your country of residence. Ultimately, the best advice we can give you is this: read our in-depth reviews of each bank, download the apps yourself and make an informed choice based on your personal needs.
Choose Revolut Premium if...
You travel a lot and frequently pay in different currencies
You want a tried-and-tested digital bank used by millions
You live in the UK or visit the island a lot
Revolut website
Pick Tomorrow Change if...
You care about sustainability and ethics in banking
You want a bank card made out of wood
You live in Germany
If you found any of these plans to be a good fit for your specific banking needs, you will find links to their official websites or apps below. By signing up via links on our website, you support us in our mission of making finance easy and accessible to everyone.
⚠️ We advise you to keep in mind that the information on pricing, specific billing details, contract terms and availability of products in various markets is subject to change and can appear different from the one provided in this article. Our goal is to keep the information in this comparison as fresh and factually correct as possible, but we do not claim that it is 100% accurate at all times. As such, we advise you to treat the information provided on this website as indicative and urge you to always check the banks' official websites for actual conditions prior to signing up. ⚠️
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