bunq Easy Green
vs Tomorrow Zero

Comparison table, pricing, fees, pros & cons

September 25, 2022


Choosing between bunq Easy Green and Tomorrow Zero? 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, after which you can explore our comparison table listing all the key information on fees and products available for both of the options. 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 Green represent the highest-tier Premium subscription packages offered by their 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 name the "ultimate green online bank account"? Read our comparison below to find out! 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.


bunq - Easy Green

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 Green is bunq's top-of-the-line plan at a premium pricepoint. The main advantage over lower-tier Easy Money plan 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 Green features invoice scanning using your phone's camera, extended warranty and purchase protection.

Make sure to also read other comparisons featuring this plan:


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.

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'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.


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 bunq Easy Green and Tomorrow Zero in a table below.

bunq logo
Easy Green
Tomorrow logo
Zero
Price, per month € 17.99 € 15.00
Commitment Cancel monthly Cancel monthly
Sign-up bonus 30 days free trial -
Official website bunq.com tomorrow.one
Accounts
IBANs NL, DE, FR, ES 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 0.50% -
Currency fee-free limit - -
ATM Withdrawals
Daily limit € 500 € 500
Free withdrawals, per month 4 times 99 times
After that, per withdrawal € 2.99
Withdrawal fee abroad € 2.99
Interest Rate
Current accounts 0.09%
Savings accounts 0.09% 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
Investments in-app ✔️
Crypto trading
Cheques
Cashback
Insurance
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

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 Green

  • Plus sign  Thanks to bunq's partnership with Eden Foundation, you will automatically plant a baby tree in Madagascar for every €100 spent.
  • Plus sign  Stylish white Metal Card comes at no extra cost as long as you pre-pay your plan!
  • Plus sign  Mastercard Extended Warranty and Purchase Protection included in subscription price.
  • Minus sign  Price - it's hard to say Easy Green provides significantly more value than Easy Money, at double the cost.
  • Minus sign  No cashback - at a premium price point, one expects a certain benefit to transactions done using bunq card.
  • Minus sign  No insurance options. Hardly a major disadvantage, however travel insurance is common among competition.

Tomorrow Zero

  • Plus sign  Unlimited free ATM withdrawals worldwide at ATMs and in partner stores, plus fee-free currency payments.
  • Plus sign  Shared account included for free, with additional debit card specifically for that account.
  • Plus sign  Carbon footprint analysis of all your purchases and a real-time Climate Impact dashboard to keep environment in mind.
  • Minus sign  Only two cards included in subscription, so your budgeting options are somewhat limited in utility.
  • Minus sign  No investment options - you do not get interest on your current account and you can not trade stocks or invest in ETFs.
  • Minus sign  No cashback - however, your expenses still contribute to saving the environment!

Verdict: Tomorrow Zero or bunq Easy Green?

In conclusion, our verdict is not too obvious. While Tomorrow Zero definitely is a more "serious about environment and climate" option, bunq Easy Green is a more powerful banking product, boasting 3 physical and unlimited virtual cards, interest on your current 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 not say, but we hope we provided enough information for you to be able to make a confident decision now! In case you want to sign up for one of the two banks, you will find links to the official websites below.

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.


Featured articles

Fintech Compass - Your financial navigator