Tomorrow Change
vs Revolut Premium

Comparison table, pricing, fees, pros & cons

November 25, 2022


Deciding between Revolut Premium and Tomorrow Change? In this article, we provide a detailed comparison of these bank accounts, their prices and terms. Below you will find a brief introduction for both of the banks, followed by a side-by-side comparison table of products available, benefits and fees of both accounts. A brief summary along with a list of pros and cons and our verdict can be found at the end of this page.

Revolut vs Tomorrow bank is a 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. But how do you choose one over another? Let's dig into the specifics. Find out if one of these is a perfect fit for your banking needs in our comparison below.

In search of a better bank to switch to? We advise you to take a look at our curated list of the best banks for personal banking available on the market today, complete with side-by-side comparisons, reviews and our ratings. But first, let's quickly jump into our Revolut vs Tomorrow comparison below.


Revolut - Premium

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.

Make sure to also read other comparisons featuring this plan:


Tomorrow - Change

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.

This subscription is also featured in comparisons with other plans from top digital banks:


Features & fees: 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 that assessment, we provide a side-by-side breakdown of features and fees between Revolut Premium and Tomorrow Change in a table below.

Revolut logo
Premium
Tomorrow logo
Change
Price, per month € 7.99 € 7.00
Commitment 12 months Cancel monthly
Sign-up bonus Save 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 3 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
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

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

  • Plus sign  Shared banking options: Junior accounts for 2 kids and Group Vaults for saving together included in this plan.
  • Plus sign  Disposable virtual cards and two customizable physical cards with a wide range of exclusive designs included in subscription.
  • Plus sign  You get both a European IBAN and a UK bank account included at no additional cost with this subscription.
  • Minus sign  ATM withdrawals after a fairly low €400 monthly allowance comes at a high fee of 2%.
  • Minus sign  No metal cards available - you would need to upgrade to a more expensive Metal plan for that.
  • Minus sign  Revolut users frequently encounter services declining Revolut IBANs service due to bank's excessive anti-fraud policies.

Tomorrow Change

  • Plus sign  An ability to deposit cash into your bank account at a low fee of 1,0% and 5 free ATM withdrawals a month.
  • Plus sign  Shared bank account at no extra cost - it is included in the Change monthly subscription.
  • Plus sign  Ability to track your climate impact in real-time, benefits from green partnerships and ethical investments.
  • Minus sign  No interest rate on savings accounts nor investment features - these are still in development.
  • Minus sign  No business accounts available - this is only a downside for entrepreneurs and freelancers.
  • Minus sign  While Tomorrow does provide a phone support, it is only available from Monday to Friday. Live chat is 24/7 however!

Verdict: Tomorrow Change or Revolut Premium?

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, 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. Our advice is to read our reviews of each bank and make the choice yourself. In case you want to sign up for one of the two banks, you will find links to the official websites below.

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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