Overview
Choosing 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, after which you can explore our comparison table listing all the key information on fees and products available for both of the options. 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 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.
It is important to keep your specific use cases in mind and identify the key characteristics you care about.
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.
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.
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
- Pro: Shared banking options: Junior accounts for 2 kids and Group Vaults for saving together included in this plan.
- Pro: Disposable virtual cards and two customizable physical cards with a wide range of exclusive designs included in subscription.
- Pro: You get both a European IBAN and a UK bank account included at no additional cost with this subscription.
- Con: ATM withdrawals after a fairly low €400 monthly allowance comes at a high fee of 2%.
- Con: No metal cards available - you would need to upgrade to a more expensive Metal plan for that.
- Con: Revolut users frequently encounter services declining Revolut IBANs service due to bank's excessive anti-fraud policies.
Tomorrow Change
- Pro: An ability to deposit cash into your bank account at a low fee of 1,0% and 5 free ATM withdrawals a month.
- Pro: Shared bank account at no extra cost - it is included in the Change monthly subscription.
- Pro: Ability to track your climate impact in real-time, benefits from green partnerships and ethical investments.
- Con: No interest rate on savings accounts nor investment features - these are still in development.
- Con: No business accounts available - this is only a downside for entrepreneurs and freelancers.
- Con: While Tomorrow does provide a phone support, it is only available from Monday to Friday. Live chat is 24/7 however!
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.
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 in the "Pick … if" section above. 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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