Tomorrow Zero vs bunq Easy Bank Pro XL

Compare sustainable premium banking options from top neobanks

Ian McKenzie

Review by Ian McKenzie 

Head of Fintech Research

Contact author

Published: 06.12.22  

Updated: 09.06.24

Published: 06.12.22

Updated: 09.06.24

Looking to compare bunq Easy Bank Pro XL and Tomorrow Zero? 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, 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.

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.

Quickly jump to:
bunq Easy Bank Pro XL Star icon Tomorrow Zero
Comparison Table Star icon Pros & Cons Star icon Our Verdict
Tomorrow bank vs bunq - sustainability-first comparison.

bunq Easy Bank Pro XL

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
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStarStar half-full
  • Value for MoneyStarStarStarStarStarStarStarStarStarStar half-full
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty
Easy Bank Pro XL is bunq's top-of-the-line plan at a premium price point. The main advantage over lower-tier Easy Bank Pro is an ability to effortlessly offset your CO2 emissions thanks to automatically planting a tree for every €100 spent from your bunq account. On top of this, Easy Bank Pro XL features invoice scanning using your phone's camera and travel insurance.

Tomorrow Zero

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportPhone, chat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Starting at €3.0
  • Businessesno
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar half-full
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty
Tomorrow's flagship subscription, Zero is a premium bank account at a fully-licensed German bank that comes with automatic CO₂ offsetting, a stylish wooden card and unlimited free ATM withdrawals all over Europe. Great mobile app and an array of environment-friendly features from the bank known for its ethical investment practices - this proposition is a real powerhouse when it comes to satisfying your banking needs.

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.

Banking for individuals on mobile.

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 bunq Easy Bank Pro XL and Tomorrow Zero in a comparison table below.

bunq logo
Easy Bank Pro XL
Tomorrow logo
Zero
Price, per month € 18.99 € 17.00
CommitmentCancel monthlyCancel monthly
Sign-up bonus 30 days free -
Official website bunq.com tomorrow.one
Accounts
IBANsNL, DE, FR, ES, IEDE
Sub-accounts included2520
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

Tomorrow Zero

Multiply Your Wealth

Doesn't matter if you're just saving up for that summer vacation or if you're planning your retirement, the best time to start investing is now. Explore our curated list of the best investment platforms and apps available today at Fintech Compass. Make your money work so you don't have to.

Nurture your financial health.

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...

Plus sign

You want your bank to have a feature-packed mobile app

Plus sign

You want to invest and multiply your wealth hassle-free

Plus sign

You might consider a new bank account for your business entity

Pick Tomorrow Zero if...

Plus sign

You are very serious about reducing your footprint

Plus sign

You really want a wooden bank card

Plus sign

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. ⚠️

Featured Content

Interested in boosting your financial knowledge? Make sure to visit our collection of educational, informative and "Best of" articles and ratings today - or select any of the latest articles below. Because in the 21st century, knowledge is key to your financial health.