Revolut Premium vs Tomorrow Change

Comparison of fees, limits and features available by fintech experts

Ian McKenzie

Review by Ian McKenzie 

Head of Fintech Research

Contact author

Published: 06.12.22  

Updated: 06.12.22

Published: 06.12.22

Updated: 06.12.22

Looking to compare 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. Below you will find a brief introduction for both of the 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.

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Revolut Premium Star icon Tomorrow Change
Comparison Table Star icon Pros & Cons Star icon Our Verdict
Revolut vs Tomorrow - detailed comparison at Fintech Compass.

Revolut Premium

  • Free plan available✔️
  • Joint accounts✔️
  • Business accounts✔️
  • Sign-up bonus-20% paying annually
  • Official
This higher-tier plan from Revolut promises "an upgrade to a global lifestyle", allowing users to spend, invest and save money in various currencies and other assets. With travel insurance, purchase protection and lounge access, Premium is a real strong proposition for users all across the globe.

Tomorrow Change

  • Monthly costStarting from €3.00
  • Joint accounts✔️
  • Business accounts
  • Total users122'000
  • Official
Tomorrow Change is an everyday account that is both "smart" and flexible. At a reasonable price point, this subscription is a strong contender for a "hassle-free" modern bank account that will cover most of the day-to-day banking needs an average user would have. On top of this, there are a few niche features that truly make this product stand out from the competition, for instance, wooden cards and automatic CO2 offset.

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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.

Banking for individuals on mobile.

Comparison table

There are quite a few considerations to keep in mind when choosing, so make sure to identify what deal-breakers there are for you personally. 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.

Revolut logo
Tomorrow logo
Price, per month € 7.99 € 7.00
Commitment12 monthsCancel monthly
Sign-up bonus -20% paying annually -
Official website
Sub-accounts included15
Shared accounts Included for free
Child accounts ✔️
Mobile Payments
Apple Pay✔️✔️
Google Pay✔️✔️
Samsung Pay
Others Garmin Pay, Fitbit Pay-
Cards available Mastercard Visa
Cards included 2 1
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
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% € 2.00
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 ✔️
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

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

Tomorrow Change

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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...

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You travel a lot and frequently pay in different currencies

Plus sign

You want a tried-and-tested digital bank used by millions

Plus sign

You live in the UK or visit the island a lot

Pick Tomorrow Change if...

Plus sign

You care about sustainability and ethics in banking

Plus sign

You want a bank card made out of wood

Plus sign

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.

⚠️ Please note that the information on pricing, contract terms and availability of products in certain markets is subject to change and can differ from what is stated above. We aim to keep this comparison as accurate and up-to-date as possible, but we advise you to treat the information provided above as indicative and always check banks' official websites for actual terms before signing up. ⚠️

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