No Limits. More Interest.

With Plus you make no compromises: unlimited withdrawals, the best interest rate, comprehensive insurance, and a double contribution to climate projects with every card payment.

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Everything Plus can do for you

Plus is for everyone who no longer wants to make compromises. More features, additional insurance, and the best interest rates.

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2.5% starter interest p.a.*

For the first 90 days on the savings account, then 1.25% p.a.*

Travel and Leisure Protection Plus

International travel health -, emergency -, ticket -, trip cancellation -, baggage insurance & mobile phone theft protection¹

Unlimited free withdrawals

Worldwide at all ATMs with the Visa logo²

Unlimited sub-accounts

Save your money in as many Pockets as you like with your own goals

Double contribution

to climate projects with every card payment compared to Now & Change

Free Wooden Card

Visa Debit Card made from wood is included with Plus

The Best Interest Rate at Tomorrow

With Plus you get 2.5% p.a.* on your savings account for the first 90 days, and after that 1.25% p.a.* – still the best rate we offer. Monthly payouts, always accessible, no lock-in.

Learn more about the savings account

Well insured. Carefree on the go.

With the Travel and Leisure Protection Plus¹ you are comprehensively covered – without extra costs, automatically included.

While travelling: International travel health insurance, 24/7 emergency assistance, trip cancellation, flight and baggage delay insurance and baggage insurance
In your leisure time: Ticket insurance for concerts, festivals, events.
In everyday life: Mobile phone theft insurance

You’ll find all the important information directly in the Tomorrow App.

Double contribution to climate protection projects

Every time you pay with your Tomorrow card, a small fee flows from merchants to us. We pass on part of this fee to a climate protection project - currently a rewilding project at the Eastern Cape in South Africa. With Plus we double this part and thus your contribution - without you having to do anything extra.

Learn more about the climate contribution

For our Zero community: Your impact continues

Your Zero account continues as usual and your climate contribution keeps making an impact. Together with the Zero community, you support impact projects in three areas:

Protection of Ecosystems

You protect ecosystems in South Africa through long-term rewilding to restore natural habitats.

Innovative Technologies

You enable new CO₂ storage by supporting innovative technologies.

Political Change

You support important work at the climate policy level to advance green energy and other sustainable technologies.

Open your Tomorrow account in 3 steps

Download the app

Install the Tomorrow App from the App Store or Google Play Store.

Open your account

Start the account opening with your personal details, then choose your account model & card.

Verify your identity

Confirm your identity via video call, eID or BankID – your choice.

Our answers to your questions

Here you’ll find answers to the most important questions about the Plus account. More information is available in our FAQ section.

Go to FAQs

How much does Plus cost and what do I get?

Plus costs €17.90 per month. You get the Tomorrow account with the most features: unlimited free withdrawals worldwide, unlimited sub-accounts, our best interest rates on the savings account, the most comprehensive insurance for travel, leisure, and everyday life, worldwide fee-free payments, and a free joint account. Every card payment also funds climate protection projects, and with Plus, Tomorrow doubles your contribution. You'll find a full overview of all features in our account comparison.

What are the exact savings interest rates and how long does the 2.5% p.a.* apply?

When you open a new Tomorrow account and a savings account, you get 2.5 % interest p.a.* for the first 90 days – on a balance of up to €50,000. After these 90 days, your interest rate is 1.25 % p.a.* – still the highest rate of any Tomorrow account model. Interest is paid monthly, your money is always available – without lock-in or minimum term. The customer must have a German tax ID. Here you can read all the terms again.

What insurance is included in Travel and Leisure Protection Plus¹?

With the Travel and Leisure Protection Plus¹ you are covered in the three most important areas – automatically, without extra costs:

While travelling:

International health insurance
24/7 emergency assistance
Trip cancellation insurance
Flight and baggage delay insurance
Travel baggage insurance

In your leisure time:

Ticket insurance (e.g. for concerts, festivals, events)

In everyday life:

Phone theft insurance

The insurance is provided in partnership with HanseMerkur. Should anything happen, you’ll find all important information and contacts directly in the Tomorrow App – no paperwork. Valid for all Plus accounts opened from 01.06.2026.

What does “double contribution to climate protection projects” mean in practice?

Alongside your sustainably invested deposits, the climate contribution ensures that a portion of the card fee from every payment with the Tomorrow Debit Card goes directly into climate protection.

Every time you pay with your Tomorrow card, a small fee flows from merchants to us. We pass on part of this fee to a climate protection project – currently a rewilding project at the Eastern Cape in South Africa. With Plus we double this part and thus your contribution – without you having to do anything extra.

Learn more about the climate contribution

I’m an existing Zero customer – do I need to do anything?

Do I get the Wooden Card for free?

4,8 ★ on App Store

4,6 ★ on Play Store

Your account. Your impact.

Download the Tomorrow app now and open a sustainable account in just a few minutes

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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 insurance applies to all your accounts in total.

* Interest rate of 2.5% p.a. applies to customers who open a Tomorrow account and savings account between June 1 and June 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 Insurance services are provided by HanseMerkur. The General Insurance Conditions for Change and Plus are available here.

² In some cases, ATM operators may charge fees that are outside Tomorrow’s control. Additionally, the Now account model charges a 2 % foreign currency fee for all withdrawals and card payments in non-euro currencies.