With Change, you have everything a bank account needs for everyday life: smart features for more control and the most important insurances included.
Change is for everyone who wants more than a basic account: all the smart features for everyday life, you can pay and withdraw worldwide without extra fees and have the most important insurances included. And all that for €8.90 per month.
3.1 % starter interest p.a.*
Travel and leisure protection²
5 free withdrawals
Pay and withdraw worldwide
6 sub-accounts
Shared account
Well-insured with Travel and Leisure Coverage²
With Change’s insurance plans, you no longer have to worry while you’re on the go—it’s automatically included at no extra cost.
Travel and leisure coverage protects you and your family with international travel health insurance, 24/7 emergency assistance worldwide, and ticket insurance. You'll find more Details on the insurances here.
If something does happen, you’ll find all the important information right in the Tomorrow app—no searching or paperwork required. Provided in partnership with HanseMerkur.²
Invite your +1 quickly and easily to your jointly used account. The account has its own IBAN and you each get your own debit card – so you can easily keep your personal and shared finances separate. With Change, it’s free for both of you.
Please note that the shared account, unlike a joint account at other banks, has one account holder. This is the person who opens the shared account and invites the +1. The invited person has power of attorney over the account. Only the account holder is liable and the balance legally belongs to them.
Money is never neutral, even if it’s just sitting in a bank account. Banks invest their customers’ money to generate returns. At Tomorrow, we have clearly defined investment criteria in place. This way not a cent of your deposits is invested in harmful industries like fossil fuels, weapons or factory farming—unlike at many other banks. On top of that, a part of your deposits finances environmentally and socially sustainable projects, such as renewable energy, social infrastructure, and affordable housing. Your impact is made up of three additional levers:
Climate protection contribution
Rounding Up
Sustainable Investments
additional virtual card
for the first 90 days on the savings account - after that 0.75 %
Tomorrow invests in the renaturation of ecosystems in South Africa
for the first 90 days on the savings account - after that 1 %
for the first 90 days on the savings account - after that 1.5 %
Tomorrow invests in the renaturation of ecosystems in South Africa
Here you’ll find answers to the most important questions about the Change account. More info is available in our FAQ section.
Download the Tomorrow app now and open your account in just a few minutes.
The Tomorrow account is provided by our banking service provider, Solaris SE. Solaris SE is a fully regulated European bank, licensed and supervised by the Federal Financial Supervisory Authority (BaFin). Your deposits are therefore protected up to € 100,000 by the German Deposit Guarantee Scheme (DGS). This protection applies per customer / per bank, in this case Solaris SE. If you hold multiple accounts with Solaris, the deposit protection applies to all your accounts in total.
* Interest rate of 3.1 % p.a. applies to customers who open a Tomorrow account and savings account between September 1 and September 30, 2026, for the first 90 days on a maximum balance of € 50,000. Outside the promotional period, the regular interest rate for your chosen account type applies - also on balances up to € 50,000. Now customers who opened their account before February 19, 2025, cannot open a savings account. The customer must have a German tax ID. You can read all the conditions again here.
¹ Occasionally, ATM operators may charge fees over which Tomorrow has no control. In addition, the Now account model charges a 2 % foreign currency fee for all withdrawals and card payments in non-euro currencies.
² Insurance services are provided by HanseMerkur. Terms & Conditions can be found here for Change and Plus.
