First climate-neutral account bank
It’s time for a premium account that focuses on the important stuff – climate protection.
Instead of sponsoring VIP lounges at airports you support selected climate protection projects. You offset your annual CO₂ emissions while supporting social projects in the global south.
Wood is the new good. Our wooden card stands for a new way of looking at money and consumption. Exclusively included in Tomorrow Zero.
As a premium account, Tomorrow Zero is designed for customers with the highest standards – both in climate protection and banking
Compensate your CO₂ footprint
Get cash & pay worldwide for free
Manage your money in unlimited pockets
You compensate approximately one ton of CO₂ every month.
Maybe you have already heard about CO₂ offsetting when flying. Tomorrow Zero takes it a crucial step forward – by compensating the carbon emissions of the average German.
To be honest, we were sceptical, too. Whenever possible, we should avoid or reduce CO₂ emissions. But unfortunately that alone will not be enough to reach the goals of the Paris Climate Agreement. So let’s try both.
We focus on reducing carbon emissions in countries where little money can have a big impact. That way we support those who are hit the hardest by climate change – although they are the least responsible for it.
A major part of your monthly Tomorrow Zero fee goes into projects that demonstrably reduce carbon dioxide. We don’t base our decision which projects are sustainable enough on our gut feelings. We have strict criteria for this.
Step 1 – We have summarised the Sustainable Development Goals of the United Nations in five categories: guarding natural resources, ensuring basic needs, protecting the climate, empowering disadvantaged groups and promoting fairness. Only projects that contribute to at least one of these five challenges are potential candidates for funding.
Step 2 – Next is the so-called "ESG evaluation", which evaluates the ecological, social and ethical footprint of the project. Do they pay fair wages? What do they do to reduce their carbon footprint? What about employee diversity? Only if our evaluation is positive, we consider financing the project.
Step 3 – Finally, we carefully examine the organisation that runs the project. How much money actually reaches the project? Which percentage is used for administrative stuff? What's the effect of a single euro? We developed an extensive framework to measure this. Only if the organization meets at least 6 out 10 criteria, the project is eligible for funding.
These projects are supported by the Tomorrow Community.
Land and microcredits for small farmers in Peru
Tampobata is located in the southeast of Peru. It’s an enormous, breathtakingly beautiful part of the Amazon. The area consisting of jungle, wet savannas, rivers and lakes is the habit of uncountable animal and plant species. For our climate the tropical rainforest is of invaluable importance because it stores enormous amounts of CO₂. Unfortunately, the Peruvian rainforest is under great threat. An ever-increasing area is chopped down and destroyed in the search of gold.
To protect the rainforest this project supports 400 local families. The small farmers are entrusted with the lands, for example to harvest Brazil nuts. Bertholletia excelsa trees can grow up to 60 meter tall and have always been part of the forest.
In addition, those farmers receive microcredits and learn how to process and sell the nuts. This way they can build a livelihood that does not depend on chopping down the woods.
Supporting worldwide access to clean drinking water
Two billion people worldwide have no access to clean and fresh drinking water. In African sub-saharan countries contaminated water is one of the main causes of death. To protect themselves the water needs to be sterilized, and many people have no other possibility than boil it over open fire. This releases carbon dioxide. The smoke of the fire causes airway diseases, especially among women and children.
The project "Improved Kitchen Regimes" aims to avoid these emissions. Therefore, they build and maintain wells in Uganda giving people access to clean drinking water without the need of boiling the water before drinking. At other locations, the project supplies efficient stoves that need less wood and, therefore, release less carbon. That’s good for the climate and the health of the people.
Biogas units in Vietnam
In Vietnam many people still cook on wood or coal stoves. This causes climate-damaging emissions. A clean alternative are small biogas units which families can use at home to transform organic waste like dung into energy. In airtight units the waste ferments into biogas which can be used for firing a stove. Or lighting a gas lamp.
Thanks to the units biomass does not rot in the open air, which would release methane. That’s good for the climate, too. As a byproduct the units produce organic fertilizer which is cheaper and better for the ground than synthetic stuff.
Finally, the project improves the physical and social situation of these people as they get access to clean and affordable energy.