With Now, you can get to know the basics at Tomorrow with no obligation, start right away, and make a positive impact from your very first euro.
Now is for everyone who wants to get to know Tomorrow. You get all the basic features and an account that does good on the side. With our Pay What You Want feature, the Now account is available from €0 if you're under 21 or have a monthly income of €500 going into your Tomorrow account.
3.1 % starter interest p.a.*
1 free withdrawal
2 sub-accounts
Free Visa debit card
Deposit cash
Spending insights
Deposit or withdraw cash directly at the checkout of a partner store near you. Fast, easy, and without a bank branch. Here's how it works:
In the app, tap the three dots next to "Send money" on the home screen.
Select "Deposit or withdraw cash" and enter the amount you want.
Scan the generated barcode at the checkout to deposit or withdraw your cash.
We automatically categorise your expenses into three categories: Essentials, Leisure and Savings. Your monthly overview gives you an instant snapshot of how your spending is distributed. You can view the breakdown for the current and all previous months, identify savings potential and optimise your spending.
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 Now account. You can find more info 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.
