Tomorrow Change vs bunq Easy Money
Comparing accounts that are the best value for your money
Review by
Head of Fintech Research
Published: 06.12.22
Updated: 07.12.22
Published: 06.12.22
Updated: 07.12.22
Deciding between Tomorrow Change and bunq Easy Money? The comparison below contains the results of our experts' investigation into these two plans, their benefits 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.
If you are looking for a bank that cares about the environment, does not invest in questionable businesses and helps users adopt more sustainable banking practices, both bunq and Tomorrow are great options. In this review, we compare the mid-tier subscriptions available at these neobanks: bunq Easy Money and Tomorrow Change. At a comparable price point and with similar selling points, the two plans are strong contenders for sustainability-conscious users.
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
bunq Easy Money
bunq
Dutch online bank that gives you the freedom to bank like a local all over Europe. The bank's mobile apps are packed with exciting and unique features, and the fully fledged banking license bunq has ensures your money are 100% safe at all times.
5'400'000+
Amsterdam, NL
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportChat, email
- CurrenciesEUR, USD, GBP + 12
Bank Accounts
- Individuals Free plan available
- Businesses Starting at €7.99
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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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
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 Tomorrow Change and bunq Easy Money in a comparison table below.
 Change |  Easy Money | |
|---|---|---|
| Price, per month | € 8.00 | € 9.99 |
| Commitment | Cancel monthly | Cancel monthly |
| Sign-up bonus | - | 30 days free |
| Official website | tomorrow.one | bunq.com |
| Accounts | ||
| IBANs | DE | NL, DE, FR, ES, IE |
| Sub-accounts included | 5 | 25 |
| Shared accounts | Included for free | Up to 10 people |
| Child accounts | ❌ | ✔️ |
| Mobile Payments | ||
| Apple Pay | ✔️ | ✔️ |
| Google Pay | ✔️ | ✔️ |
| Samsung Pay | ❌ | ❌ |
| Cards | ||
| Cards available | Visa | Mastercard |
| Cards included | 1 | 3 |
| Maestro/VPay | ✔️ | ✔️ |
| Debit cards | ✔️ | ✔️ |
| Credit cards | ❌ | ✔️ |
| Virtual cards | ❌ | ✔️ |
| Extra card fee | - | € 3.49 p/m |
| Replacement fee | € 10.00 | € 9.99 |
| Free replacements | - | 1 per year |
| Metal card | ❌ | ✔️ |
| Wooden cards | ✔️ | ❌ |
| Payment Methods | ||
| iDeal | ❌ | ✔️ |
| SOFORT | ✔️ | ✔️ |
| Bancontact | ❌ | ✔️ |
| Various Fees | ||
| SWIFT (receive) | € 3.00 | € 5.00 |
| Foreign exchange fee | - | 0.50% |
| Currency fee-free limit | - | - |
| ATM Withdrawals | ||
| Daily limit | € 500 | € 1000 |
| Free withdrawals, per month | 5 times | 6 times |
| After that, per withdrawal | € 3.00 | € 0.99 |
| Withdrawal fee abroad | € 2.00 | € 1.99 |
| Interest Rate | ||
| Current accounts | 0.0% | ❌ |
| Savings accounts | ❌ | None% |
| Transaction & Deposit Limits | ||
| Deposit limit | - | - |
| Deposit Protection | Up to €100'000 | Up to €100'000 |
| Monthly spend limit | € 10,000 | - |
| Other financial products | ||
| Overdraft | None p/m | ❌ |
| Investments in-app | ❌ | ✔️ |
| Crypto trading | ❌ | ❌ |
| Cheques | ❌ | ❌ |
| Cashback | ❌ | 1% on restaurants & bars |
| Insurance | ❌ | ❌ |
| Lounge access | ❌ | ❌ |
| Transaction categorization | ✔️ | ✔️ |
| Purchase protection | ❌ | ❌ |
| Round-up savings | ✔️ | ✔️ |
| Budgeting features | ❌ | ✔️ |
| Deals & Discounts | ✔️ | ✔️ |
| Other benefits | Carbon footprint | Auto-Save & Easy Invest |
| Learn more | tomorrow.one | bunq.com |
bunq & Tomorrow: 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 Tomorrow and bunq's propositions.
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!
bunq Easy Money
- Works wherever you go: local IBANs in 4 European countries and an array of currencies available for Easy Money users.
- Up to 25 sub-accounts, each with an individual IBAN and automated payment categorization make budgeting very easy.
- Joint accounts for saving and spending with up to 10 people included for free.
- Low ATM limits - you can only withdraw €1000 a day, and that limit can not be changed.
- No purchase protection, flight cancellation nor travel insurance.
- Slightly confusing app UI - takes a while to get used to how certain actions are performed.
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Our Verdict: Tomorrow Change or bunq Easy Money?
In conclusion, both plans are solid entries to the Premium-class digital bank accounts available to European users. Both banks provide impressive security features and ensure user's data privacy as well. The difference comes down to specific requirements you might have - for example, Easy Money provides iDeal which is a must-have for users in Netherlands.
Additionally, bunq offers a 30-days "no strings attached" trial of Easy Money, so our suggestion would be to try this bank first, and decide if it suits you. After all, there really is no better way than to try something yourself, right?
Choose Tomorrow Change if...
You value additional sustainability over a few extra features
You live in Germany and rarely pay in currencies other than EUR
Tomorrow website
Pick bunq Easy Money if...
You travel a lot and/or pay in currencies
You consider opening a joint account with someone
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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