Tomorrow Change
vs bunq Easy Money

Comparison table, pricing, fees, pros & cons

September 25, 2022


Looking to compare Tomorrow Change and bunq Easy Money? Today, we will be comparing these bank accounts, including an overview of features available, pricing and fees. Firstly, we will provide a quick summary and key information about the two 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.

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, 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. Find out if one of these is a perfect fit for your banking needs in our comparison below.

Are you looking to switch to a better bank? Make sure to visit our comparisons and reviews of various digital banks for personal banking.


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.

HQ: Hamburg, DE
Founded in: 2,018
Users: 90'000+
Deposit protection: Up to €100'000
Website: tomorrow.one
Personal plans: ✔️
Starting at €3.00 per month
 
Business plans:
Currencies: EUR
Shared accounts: ✔️
Student accounts:
Support: Phone, chat, email
Sign-up bonus: N/A
HQ: Hamburg, DE
Founded in: 2,018
Users: 90'000+
Deposit protection: Up to €100'000
Support: Phone, chat, email
Sign-up bonus: N/A
Website: tomorrow.one
Personal plans: ✔️
Starting at €3.00 per month
Business plans:
Shared accounts: ✔️
Student accounts:
Currencies: EUR

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.


bunq - Easy Money

bunq

An up-and-coming Dutch neobank that focuses on ethical investment options, giving their users an option to choose how their money get invested. bunq also planted over 2 million trees as part of their green initiative. Powerful Open API and colorful cards - what's not to like?

HQ: Amsterdam, NL
Founded in: 2,015
Users: 5'400'000+
Deposit protection: Up to €100'000
Website: bunq.com
Personal plans: ✔️
Starting at €2.99 per month
 
Business plans: ✔️
Starting at €4.99 per month
Currencies: EUR, USD, GBP, BGN, PLN + 10
Shared accounts: ✔️
Student accounts:
Support: Chat, email
Sign-up bonus: 30 days free trial
HQ: Amsterdam, NL
Founded in: 2,015
Users: 5'400'000+
Deposit protection: Up to €100'000
Support: Chat, email
Sign-up bonus: 30 days free trial
Website: bunq.com
Personal plans: ✔️
Starting at €2.99 per month
Business plans: ✔️
Starting at €4.99 per month
Shared accounts: ✔️
Student accounts:
Currencies: EUR, USD, GBP, BGN, PLN + 10

Easy Money is a plan that allows you to bank like a local all over EU. With IBANs from multiple European countries and an array of various cards with global acceptance included in subscription, bunq's Premium-tier plan is a great choice for hassle-free banking. This plan will not only cover your day-to-day needs, but also provide a few "wow" features that will make you excited to be banking at bunq!

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 Tomorrow Change and bunq Easy Money in a table below.

Tomorrow logo
Change
bunq logo
Easy Money
Price, per month € 7.00 € 8.99
Commitment Cancel monthly Cancel monthly
Sign-up bonus - 30 days free trial
Official website tomorrow.one bunq.com
Accounts
IBANs DE NL, DE, FR, ES
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 € 500
Free withdrawals, per month 5 times 4 times
After that, per withdrawal € 2.00 € 2.99
Withdrawal fee abroad € 2.00 € 2.99
Interest Rate
Current accounts 0.0% 0.09%
Savings accounts 0.09%
Transaction & Deposit Limits
Deposit limit - -
Deposit Protection Up to €100'000 Up to €100'000
Monthly spend limit € 10,000 -
Other financial products
Overdraft
Investments in-app ✔️
Crypto trading
Cheques
Cashback
Insurance
Lounge access
Transaction categorization ✔️ ✔️
Purchase protection
Round-up savings ✔️ ✔️
Budgeting features ✔️
Deals & Discounts ✔️ ✔️
Other benefits Carbon footprint Dual PIN, Auto-invest
Learn more tomorrow.one bunq.com

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

  • 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!

bunq Easy Money

  • Plus sign  Works wherever you go: local IBANs in 4 European countries and an array of currencies are available for Easy Money users.
  • Plus sign  25 sub-accounts, each with an individual IBAN, combined with automated payment categorization and sorting make budgeting a breeze.
  • Plus sign  Joint accounts for saving and spending with up to 10 people included for free.
  • Minus sign  Low ATM limits - you can only withdraw €500 a day, and that limit can not be changed.
  • Minus sign  No purchase protection, flight cancellation nor travel insurance.
  • Minus sign  Slightly confusing app UI - takes a while to get used to how certain actions are performed.

Verdict: bunq Easy Money or Tomorrow Change?

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 it first! 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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