Tomorrow Zero vs bunq Easy Bank Pro XL
Compare sustainable premium banking options from top neobanks
Review by
Head of Fintech Research
Published: 06.12.22
Updated: 09.06.24
Published: 06.12.22
Updated: 09.06.24
Deciding between bunq Easy Bank Pro XL and Tomorrow Zero? 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.
Both Tomorrow Zero and bunq Easy Bank Pro XL represent the VIP-tier subscription packages offered by their respective banks. In a battle of two sustainability and ethical investment-first banks, both boast a complete coverage of your "day-to-day" banking needs thanks to an impressive package of features available to users.
Which account can we rightfully name the "ultimate green online bank account"? Read our detailed side-by-side comparison with our experts' opinions below and find out.
bunq Easy Bank Pro XL
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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Tomorrow Zero
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
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
It is important to keep your specific use cases in mind and identify the key characteristics you care about. In order to assist you in this assessment, we provide a side-by-side breakdown of features and fees between bunq Easy Bank Pro XL and Tomorrow Zero in a comparison table below.
 Easy Bank Pro XL |  Zero | |
|---|---|---|
| Price, per month | € 18.99 | € 17.00 |
| Commitment | Cancel monthly | Cancel monthly |
| Sign-up bonus | 30 days free | - |
| Official website | bunq.com | tomorrow.one |
| Accounts | ||
| IBANs | NL, DE, FR, ES, IE | DE |
| Sub-accounts included | 25 | 20 |
| Shared accounts | Up to 10 people | Included for free |
| Child accounts | ✔️ | ✔️ |
| Mobile Payments | ||
| Apple Pay | ✔️ | ✔️ |
| Google Pay | ✔️ | ✔️ |
| Samsung Pay | ❌ | ❌ |
| Cards | ||
| Cards available | Mastercard | Visa |
| Cards included | 3 | 2 |
| Maestro/VPay | ✔️ | ✔️ |
| Debit cards | ✔️ | ✔️ |
| Credit cards | ✔️ | ❌ |
| Virtual cards | ✔️ | ❌ |
| Extra card fee | € 3.49 p/m | - |
| Replacement fee | € 9.99 | - |
| Free replacements | 1 per year | - |
| Metal card | ❌ | ❌ |
| Wooden cards | ❌ | ✔️ |
| Payment Methods | ||
| iDeal | ✔️ | ❌ |
| SOFORT | ✔️ | ✔️ |
| Bancontact | ✔️ | ❌ |
| Various Fees | ||
| SWIFT (receive) | € 5.00 | € 3.00 |
| Foreign exchange fee | - | - |
| Currency fee-free limit | - | - |
| ATM Withdrawals | ||
| Daily limit | € 1000 | € 500 |
| Free withdrawals, per month | 6 times | 99 times |
| After that, per withdrawal | € 0.99 | |
| Withdrawal fee abroad | € 1.99 | |
| Interest Rate | ||
| Current accounts | ❌ | ❌ |
| Savings accounts | None% | 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% HoReCa, 2% on transport | ❌ |
| Insurance | Travel | ❌ |
| Lounge access | ❌ | ❌ |
| Transaction categorization | ✔️ | ✔️ |
| Purchase protection | Extended Warranty | ❌ |
| Round-up savings | ✔️ | ✔️ |
| Budgeting features | ✔️ | ✔️ |
| Deals & Discounts | ✔️ | ❌ |
| Other benefits | Auto-CO2 offset | Impact Board |
| Learn more | bunq.com | tomorrow.one |
Tomorrow & bunq: 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 bunq and Tomorrow's propositions.
bunq Easy Bank Pro XL
Thanks to bunq's partnership with Eden Foundation, you will automatically plant a baby tree in Madagascar for every €100 spent.- Travel insurance comes at no additional cost, along with travel assistant and multi-currency accounts.
- A few neat social banking features and a fun mini-game in-app.
Price - it's hard to say Easy Bank Pro XL provides significantly more value than Easy Bank Pro, at double the cost.- Lack of the good stuff: with a premium account, we'd grown to expect airport lounge access, ; none of these are included.
- Lack of insurance options. Hardly a major disadvantage, but at this price, we'd expect bunq to go beyond travel insurance.
Tomorrow Zero
- Unlimited free ATM withdrawals worldwide at ATMs and in partner stores, plus fee-free currency payments.
- Shared account included for free, with additional debit card specifically for that account.
- Carbon footprint analysis of all your purchases and a real-time Climate Impact dashboard to keep environment in mind.
- Only two cards included in subscription, so your budgeting options are somewhat limited in utility.
- No investment options - you do not get interest on your current account and you can not trade stocks or invest in ETFs.
- No cashback - however, your expenses still contribute to saving the environment!
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Our Verdict: bunq Easy Bank Pro XL or Tomorrow Zero?
In conclusion, our choice in this comparison is not too obvious. While Tomorrow Zero definitely is a more "serious about environment and climate" option, bunq Easy Bank Pro XL is simply a more established and powerful banking product.
bunq's offering includes 3 physical and unlimited virtual cards, high interest rate on your account as well as a lot of niche features that make life easier and more convenient.
The question then is: which one suits you best? We can't really say, but we hope to have provided you with enough information, so you can now make a confident decision. After all, nobody knows your exclusive banking needs better than you do.
Choose bunq Easy Bank Pro XL if...
You want your bank to have a feature-packed mobile app
You want to invest and multiply your wealth hassle-free
You might consider a new bank account for your business entity
bunq website
Pick Tomorrow Zero if...
You are very serious about reducing your footprint
You really want a wooden bank card
You live in Germany
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.
⚠️ 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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