Tomorrow: Mobile, Secure & Sustainable?
Tomorrow bank is one of the latest mobile-first financial services apps with a focus on sustainability and ethical investment practices. Based in Hamburg, Germany since its launch in 2018, the financial powerhouse app offers German bank accounts and services that enables customers to effortlessly contribute to projects tackling climate change, offsetting customers' CO2 emissions and much more.
Tomorrow's partnership with Solarisbank SE enables the neobank to dedicate more resources towards creating an impressive mobile banking experience, while still enjoying all the benefits of being a secure, fully-licensed and strictly regulated financial institution.
For this review, our team of three digital banking experts got hands-on with Tomorrow, documented their experience, supplemented their personal experience with an analysis of online reviews by real users and compared the bank's ability to deliver a great product with some of the bank accounts offered by competitors. Continue reading to discover key pros & cons of Tomorrow, overview of subscriptions available, see our screenshots of Tomorrow app, plan comparison tables as well as our hand-picked suggestions for Tomorrow alternatives. Let's begin!
Tomorrow: countries supported
Tomorrow is available to residents of 19 countries.
- Austria
- Belgium
- Cyprus
- Estonia
- Finland
- France
- Germany
- Greece
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Portugal
- Slovakia
- Slovenia
- Spain
We also suggest exploring our selection of editorial content featuring Tomorrow fintech app available on our website by using the links below.
Also read
Amazing Features in Banking Apps
Sustainable Banking & Ethical Investments
Bank Accounts for Students in Europe (2024)Tomorrow's bank accounts are also featured in our selection of in-depth "one-on-one" comparisons of the most popular and the best bank accounts in Europe. Read these by visiting the links below:
Bank Accounts Available at Tomorrow
Tomorrow offers three plans: Now, Change and Plus, which replaced Zero as the top plan. Accounts are for residents of Germany, Austria, Italy and Spain; the bank behind them is Solaris SE.
Tomorrow Now
€4.90 / month
Now is the entry plan: a free Visa debit card and a virtual card, Apple Pay and Google Pay, 1 free withdrawal a month (then €3 each), 2 sub-accounts and one interest-bearing pocket. Payments in foreign currencies cost 2%. Now is free for under-21s and for accounts that receive at least €500 a month.
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.
Tomorrow Change
€8.90 / month
Change is the popular middle plan: everything in Now, plus 5 free withdrawals a month, 6 sub-accounts, fee-free payments and withdrawals worldwide, a joint account, and travel and leisure cover (travel health, emergency and ticket insurance).
Official Website: tomorrow.one →
Tomorrow Plus
€17.90 / month
Plus replaced Zero at the top: unlimited free withdrawals, unlimited interest-bearing sub-accounts, the wooden card at no extra cost, extended travel cover (cancellation, luggage and phone theft) and a double climate contribution with every card payment.
Now
€4.90 / month
Now is the entry subscription from the sustainable banking alternative Tomorrow. Every card payment made with your Tomorrow card contribute…
- A simple, affordable plan that gives you essential mobile banking features such as insights, budgeting & instant notifications.
- Entry plan yet still sustainable - every euro paid with the Tomorrow card protects 1 square meter of rainforest.
- A secure bank account with up to €100,000 deposits insurance & 3D secure for online payments.
- Does not include shared account, not ideal for couples or other use cases which require a Joint account.
- No free cash withdrawals included in the plan, the fees could stack up quite significantly for frequent cash users.
Plus
€17.90 / month
Change
€8.90 / month
Tomorrow Change is an everyday account that is both "smart" and flexible. At a reasonable price point, this subscription is a strong conten…
- An ability to deposit cash into your bank account at a low fee of 1,0% and 5 free ATM withdrawals a month.
- Shared bank account at no extra cost - it is included in the Change monthly subscription.
- Ability to track your climate impact in real-time, benefits from green partnerships and ethical investments.
- No interest rate on savings accounts nor investment features - these are still in development.
- No business accounts available - this is only a downside for entrepreneurs and freelancers.
Tomorrow: plan comparison
| Feature | Now€4.90 | Plus€17.90 | Change€8.90 |
|---|---|---|---|
| Price, per month | €4.90 | €17.90 | €8.90 |
| Commitment | – | – | – |
| Deposit protection | Up to €100'000 | ||
| IBANs | Deutsche IBAN | Deutsche IBAN | Deutsche IBAN |
| Sub-accounts included | 2 | – | 6 |
| Shared accounts | ✓ | ✓ | ✓ |
| Child accounts | ✓ | – | ✕ |
| Apple Pay | ✓ | ✓ | ✓ |
| Google Pay | ✓ | ✓ | ✓ |
| Samsung Pay | ✕ | – | ✕ |
| Other methods | – | – | – |
| Cards available | Visa | Visa | Visa |
| Cards included | 1 | – | 1 |
| Maestro/VPay | ✕ | – | ✓ |
| Debit cards | ✓ | ✓ | ✓ |
| Credit cards | – | – | – |
| Virtual cards | ✓ | ✓ | ✓ |
| Extra card fee | – | – | – |
| Replacement fee | €10.00 | €10.00 | €10.00 |
| Free replacements | – | – | – |
| Metal card | ✕ | – | ✕ |
| Wooden card | ✓ | – | ✓ |
| iDEAL | ✕ | – | ✕ |
| SOFORT | ✓ | – | ✓ |
| Bancontact | ✕ | – | ✕ |
| SWIFT (receive) | €3.00 | – | €3.00 |
| Foreign exchange fee | 2.00% | 2.00% | 2.00% |
| Currency fee-free limit | – | – | – |
| Daily limit | €500 | – | €500 |
| Free withdrawals, per month | 1 times | – | 5 times |
| After that, per withdrawal | €3.00 | €0.00 | €3.00 |
| Withdrawal fee abroad | €3.00 + 2.0% | €0.00 | €0.00 |
| Current account | – | – | 0.0% |
| Savings account | 0.75% | 1.75% | 1.25% |
| Deposit limit | – | – | – |
| Monthly spend limit | €10,000 | – | €10,000 |
| Overdraft | ✓ | ✓ | ✓ |
| Investments in-app | ✓ | – | ✓ |
| Crypto trading | ✕ | – | ✕ |
| Cheques | ✕ | – | ✕ |
| Cashback | ✕ | – | ✕ |
| Insurance | – | ✓ | ✓ |
| Lounge access | ✕ | – | ✕ |
| Transaction categorization | ✓ | ✓ | ✓ |
| Purchase protection | ✕ | – | ✕ |
| Round-up savings | ✓ | ✓ | ✓ |
| Budgeting features | ✓ | – | ✕ |
| Deals & discounts | ✕ | – | ✓ |
| Other benefits | CO₂ calculator | – | Carbon footprint |
Prices per month. Verify current pricing and terms at tomorrow.one.
Tomorrow: Pros & cons
Advantages
Based on our extensive expertise in reviewing digital banks and our personal experience using Tomorrow bank's app and cards, here are the top benefits this German neobank has to offer.
- Security on par with "traditional" banks Thanks to its partnership with Solarisbank, your deposits with Tomorrow (up to €100,000) is protected by the National Deposit Insurance.
- Has all the essentials All the basics you need - such as Apple/Google Pay, joint accounts, fee-free spending abroad - all of these are possible with Tomorrow bank accounts.
- Phone support Unlike most mobile banks, you do not just get support through the app or email. Phone support is also available at Tomorrow, making it easier to resolve a tricky situation urgently.
- Every plan is sustainable This German fintech gives you the ability to adopt sustainable banking practices regardless of your subscription. Knowing you are making a tangible impact by simply paying with your Tomorrow card is great! Additionally, customers’ deposits are only invested in "green" and sustainable projects.
- Cash-friendly Important for a German bank - you can both deposit cash into your Tomorrow account and get free withdrawals on higher-tier plans.
- It's hard to deny, having a wooden bank card is bound to turn some heads any time you pay.
Downsides
However, there are a few issues with what Tomorrow has to offer - here are our experts' main concerns and criticisms.
- Limited options for savings You will be slightly disappointed if you expected any advanced features or products that assist you in saving up. At this moment, users do not yet get interest on their savings accounts, however, Tomorrow stated that this functionality is coming soon.
- Lack of local payment method support no iDeal for Netherlands, no cheques for France, no Bancontant for Belgium.
- Deposit fees If you hold more than €50,000 on your Tomorrow accounts, Solarisbank will charge a safekeeping fee of 0,5% p.a. on the all amounts beyond the €50,000 mark. This is not a unique fee and is something other banks charge their users for at the moment, but it can still become a significant expense in case you hold impressive amounts on your bank account.
- You can only have a single bank card with Tomorrow, two if you open a joint account next to your personal one.
Tomorrow: App Screenshots
The app has a pleasing, yet not too unique of a design. The app feels easy to navigate, the information is always clearly presented and you can't even see the "growth pains" too much. However, there are quite a few bugs here and there. Luckily, these do not affect any of the actual banking functionality and are completely harmless. You can take a closer look at how the (Android) app looks like on our experts' devices in a gallery below.
Tomorrow Bank: Frequently Asked Questions
We analyzed a significant amount of feedback Tomorrow's existing and potential customers have, identified key concerns and pain points people experience and we will attempt to introduce some clarity in an FAQ format.
Which bank is behind Tomorrow?
Tomorrow uses Solarisbank SE as their banking platform, thus any customer account opened at Tomorrow is actually provided by the partner behind-the-scenes. Solarisbank SE has a full German banking license and is therefore subject to the supervision of the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, BaFin). You probably haven't heard about the company as Solarisbank SE doesn't provide end customers with banking services, but it does act as a banking platform for a lot of fintechs like Coinbase, Vivid and many others.
Is Tomorrow bank reliable and trustworthy?
Tomorrow bank is a fully licensed and regulated financial institution. Firstly, your funds are automatically protected up to the total amount of 100,000 Euros by the Federal Association of German Banks. Secondly, being Tomorrow's customer implies you are under the protection of the German consumer laws, which are notoriously pro-customer and strong on enforcing companies respecting customers' privacy. Thirdly, the neobank provides a wide array of security-enhancing features, like 3D Secure by Mastercard. Read more in this Solarisbank FAQ article.
What countries is Tomorrow available in?
The bank offers services to customers who are legal residents (not necessary citizens - so your residence permit will suffice) of any of the following 19 countries: Germany, Belgium, Estonia, Finland, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Austria, Portugal, Slovakia, Slovenia, Spain and Cyprus.
Does Tomorrow have a free bank account?
Unfortunately, all of Tomorrow's plans have a monthly subscription fee. However, the entry-level plan, Tomorrow Now, is only €3 per month and is definitely worth the small investment.
Can you open a joint bank account at Tomorrow?
Yes. However, the feature is only available to customers on higher-tier Change and Zero plans. You can easily open a joint account with just a few taps in your app. Both of you need a Tomorrow account, and at least one of you needs to have a Change or Zero account (meaning, it is possible to have the other person on the cheapest "Now" subscription).
How do I open a Tomorrow account?
Apart from the mobile app and a phone with a camera, you only need your ID card, passport or a residence permit issued by one of the supported countries. The verification is handled by a 3rd party called IDNow (also used by Austrian investment & savings app Bitpanda, for instance), and the whole process takes around 5 minutes to complete.
Is it possible to deposit cash into Tomorrow accounts?
Yes - you can do so quite easily, with just a few taps in the app (three dots below your balance -> "Deposit and Withdraw Cash" -> "Deposit Cash" -> Set an amount). Tomorrow supports cash deposits ranging from €50 to €1000, however, don't forget to take massive fees into account! Users on a paid subscription are charged 1,50% of the total amount, while "Free" customers would be charged 1,75% for each deposit.
Can I have multiple bank cards at Tomorrow?
Yes. Even though you can only activate one card per personal account, if you opt for Change or Zero subscriptions, you can make use of the shared banking feature by inviting your +1 to set up a joint account - this account is not only included in the subscription price, but it also provides an additional card for each of you.
Alternatives to Consider
Feel like Tomorrow does not satisfy your unique banking needs? Below, we'll provide our selection of top competitors that might be more suited for your specific circumstances and desires.
If you're looking for a powerful mobile-first bank with a full banking license that cares about sustainability and ethical investment practices, consider bunq bank from the Netherlands (we previously reviewed this neobank and gave it a high rating). Similar pricing and plan structure, 3 cards and up to 25 sub-accounts included in your monthly subscription, investing in stocks in-app and planting trees when you pay with your bunq card - does this sound enticing?
bunq is a Dutch digital bank offering innovative features like multi-currency accounts, eco-friendly perks, and one of Europe’s highest savings interest rates. With a full banking license and deposit protection up to €100,000, bunq combines flexibility for travelers and expats with robust security and modern mobile banking apps.
20M+ users · Amsterdam, Netherlands · bunq.com
UK-based mobile banking behemoth Revolut does not need an introduction. Still, it is Europe's largest digital bank for a reason, and if the "green" focus is not a non-negotiable for you, Revolut might just be the bank for you.
Europe's biggest neobank, Revolut is a pioneer of mobile-first banking. Offering a wide range of financial services and banking products, including (but not limited to!) trading stocks and crypto, Revolut is a safe option regardless of customer's country of residence.
40M+ users · London, UK · revolut.com
Lastly, if you value rapidly developing cutting-edge financial technology products, trust German quality and want to make your money work, Vivid Money is definitely a product you should look into. Oh, and it has absolutely stunning stainless steel bank cards, too.
Vivid is an up-and-coming financial "one-stop-shop" app: payments and transfers, an interest on your current account, 3000+ ETFs & stocks from companies all over the world along with 50+ cryptocurrencies on top of and an ability to store funds in over 40 currencies.
500k+ users · Berlin, Germany · vivid.money
Verdict: Tomorrow bank account - a solid choice?
Based on a combination of professional expertise, personal first-hand experience using the app, competitor comparison and an analysis of user reviews online, our final verdict is as follows. Tomorrow is a very solid choice if you value sustainability in banking. It is a very polished and coherent banking experience neatly packed in stylish, yet very functional and straightforward mobile apps.
Most users will be pleasantly surprised by Tomorrow app's features, such as "pockets" for budgeting and insights. If you’re currently deliberating between Tomorrow and bunq (Dutch fintech company and a neobank that also prides itself on their ethical investment and sustainability-first practices), it is worth noting that all of Tomorrow’s plans have its core "green" benefits available, whereas only bunq’s Easy Green plan (the highest-tier subscription) features the full "green" features package. Thus, if you do not intend to invest in a top-tier subscription just to ensure your actions are not actively having a negative impact on the environment, Tomorrow’s Now or Change plans might just be the right choice for you.
If you have concerns about the safety of your funds with Tomorrow bank, rest assured: your funds are well-protected and taken care of with this German bank. The credit balance of each Tomorrow customer is actually managed by Solarisbank in Berlin. Solarisbank holds a German banking license and is thus part of the deposit guarantee fund of the Federal Association of German Banks. Thanks to that, your funds are automatically protected up to the total amount of 100,000 Euros. This protection applies per customer per bank - in this case Solarisbank. In case you have several accounts with Solarisbank, the deposit protection applies to all your accounts in total. This corresponds to the standard for all European credit institutions.
In short, yes - you can trust Tomorrow bank; yes - you will get what you pay for; and yes - they do deeply care and make an effort to combat climate change. However, it is only up to you to say if it's the right choice that satisfies your unique banking needs. But hey, it's free to sign up for and you can cancel after your first month if it doesn't suit you, so why not give it a try?
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