Tomorrow Change vs bunq Pro

Comparing accounts that are the best value for your money

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TomorrowChange

Our score
8.3 / 10
Monthly price
€8.90 /mo

Better value on 6 rows for Tomorrow Change and on 24 for bunq Pro, with 16 ties.

bunqPro

Our score
8.4 / 10
Monthly price
€9.99 /mo

Side by side

marks the better value: lower price or fee wins, more included wins, available beats not (or not yet) available. = is a tie; details that can't be compared have no winner.

FeatureTomorrow Changebunq ProBetter value
Price & plan : Tomorrow 1, bunq 1, 1 tie
Price, per month€8.90€9.99Tomorrow better
CommitmentNot statedCancel monthlyNo winner
Sign-up bonusNo30 days freebunq better
Deposit protection Up to €100'000Up to €100'000Tie
Accounts: Tomorrow 0, bunq 3, 0 ties
IBANsDENL, DE, FR, ES, IEbunq better
Sub-accounts included525bunq better
Shared accountsIncluded for freeUp to 10 peopleNo winner
Child accountsNoYesbunq better
Mobile payments : Tomorrow 0, bunq 0, 3 ties
Apple Pay YesYesTie
Google Pay YesYesTie
Samsung Pay NoNoTie
Cards : Tomorrow 1, bunq 6, 2 ties
Card networkVisaMastercardNo winner
Cards included13bunq better
Maestro/VPay YesYesTie
Debit cards YesYesTie
Credit cardsNoYesbunq better
Virtual cardsNoYesbunq better
Extra card feeNot stated€3.49 /moNo winner
Replacement fee€10.00€9.99bunq better
Free replacementsNot stated1 per yearbunq better
Metal cardNoYesbunq better
Wooden cardYesNoTomorrow better
Payment methods : Tomorrow 0, bunq 2, 1 tie
iDEALNoYesbunq better
SOFORT YesYesTie
BancontactNoYesbunq better
Fees: Tomorrow 1, bunq 0, 0 ties
SWIFT (receive)€3.00€5.00Tomorrow better
Foreign exchange feeNot stated0.50%No winner
Currency fee-free limitNot statedup to €1,000 /moNo winner
ATM withdrawals: Tomorrow 0, bunq 4, 0 ties
Daily limit€500€1,000bunq better
Free withdrawals, per month5 times6 timesbunq better
After that, per withdrawal€3.00€0.99bunq better
Withdrawal fee abroad€2.00€1.99bunq better
Interest : Tomorrow 0, bunq 1, 1 tie
Current account 0%NoTie
Savings accountNo2.01%bunq better
Limits : Tomorrow 0, bunq 1, 1 tie
Deposit limit No limitNo limitTie
Monthly spend limit€10,000No limitbunq better
Other products & perks : Tomorrow 1, bunq 4, 7 ties
OverdraftYesNoTomorrow better
Investments in-appNoYesbunq better
Crypto tradingNoYesbunq better
Cheques NoNoTie
CashbackNo1% on restaurants & barsbunq better
Insurance NoNoTie
Lounge access NoNoTie
Purchase protection NoNoTie
Transaction categorization YesYesTie
Round-up savings YesYesTie
Budgeting featuresNoYesbunq better
Deals & discounts YesYesTie
Other benefitsCarbon footprintAuto-Save & Easy InvestNo winner
Our ratings: Tomorrow 2, bunq 2, 0 ties
Ease of use9.87.5Tomorrow better
Customer service7.67.0Tomorrow better
Features7.79.5bunq better
Value for money8.19.5bunq better

Tomorrow Change or bunq Pro?

Pick Tomorrow Change if…

  • You value additional sustainability over a few extra features

  • You live in Germany and rarely pay in currencies other than EUR

  • You really want a wooden card

Pick bunq Pro if…

  • You travel a lot and/or pay in non-Euro currencies

  • You might benefit from having a joint account with your partner

  • You're also looking for a bank account for your business

Overview

Deciding between Tomorrow Change and bunq Pro? Today, we will be comparing these bank accounts, providing you with a complete 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. At the end of the article, we provide bullet points of key pros and cons of both options and our verdict.

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 comparison article, we aim to set side-by-side mid-tier subscriptions available at these two neobanks. These are bunq Pro and Tomorrow Change. Occupying a specific niche at a similar price point and with quite a few shared selling points, these two plans are strong contenders for sustainability-conscious users.

It is important to keep your specific use cases in mind and identify the key characteristics you care about.

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.

Hamburg, GermanyFounded 201890'000+ usersRead our Tomorrow review

bunq Pro

bunq Pro is a feature-rich digital banking plan designed for personal users in the Netherlands and across Europe. Enjoy up to 25 sub-accounts with unique IBANs, seamless mobile payments, and global card support. With a high 2.01% savings interest rate and 1% cashback on dining, bunq Pro combines everyday banking with smart money management and eco-friendly perks.

Amsterdam, NetherlandsFounded 201220'000'000+ usersRead our bunq review

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

  • 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!

bunq Pro

  • Pro: Bank like a local across Europe with multiple IBANs, local payment methods and global card acceptance.
  • Pro: Up to 25 sub-accounts and joint accounts for easy budgeting and shared finances.
  • Pro: Earn a higher-than-most annual interest on savings and 1% cashback on dining.
  • Con: ATM withdrawal limits are fairly restrictive and a small fee is applied after free monthly allowance.
  • Con: No premium perks like travel insurance – you'll have to upgrade to Elite for those.
  • Con: Some features may not initially appear intuitive for casual users seeking simplicity.

Our verdict: Tomorrow Change or bunq Pro?

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 is guarded as well. The difference comes down to specific requirements you might have: for instance, Pro provides iDeal which is a must-have for customers in Netherlands.

Additionally, bunq offers a 30-days "no strings attached" trial of Easy Bank Pro, 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?

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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