Your sustainable bank account with extra climate protection
It’s time for a premium account which protects the climate.
We use your subscriptions to buy CO2 certificates. This way you support measures fighting climate change, which we have selected in line with the UN Sustainable Development Goals (SDGs).
Wood is the new good.
Our wooden card stands for a new way of looking at money and consumption. Included in Zero.
Tomorrow Zero is for people who want more.
For their banking and the planet.
Unlimited free withdrawals
Unlimited Pockets
Shared account
CO₂ offset
Insights
Pay globally
Mobile payments
National deposit insurance
Climate protection
Impact Board
Carbon Footprint Analysis
Manage your money with ease.
Save your money in up to two Pockets and reach your financial goals quicker.
Manage your finances together.
Invite your +1 with just four taps to your shared account. Both of you get an additional debit card with IBAN to easily switch between accounts. With Tomorrow Zero this feature is free for both of you.
You compensate approximately one ton of CO₂ every month.
We invest the fees for Tomorrow Zero in CO₂ certificates that offset the yearly carbon emissions of an average German. That’s 11.17 tonnes per capita.
The fees for your Tomorrow Zero account are used to buy CO₂ certificates from projects that offset carbon emissions. Per account we buy certificates compensating for 11.17 tonnes CO₂, as this is the footprint of the average German. This number equals the carbon dioxide equivalent and includes besides CO₂ the greenhouse gases methane and nitrous oxide accordingly.
To calculate your personal carbon footprint you can use the UBA Carbon Calculator. To make our investments planneable we have based our calculations on the average yearly German carbon emissions according to the UBA. Your personal footprint is smaller? Great, you’re doing even more to protect the climate!
The compensation projects that are supported through Tomorrow Zero are certified and verified in accordance with international standards. You can find more details about each project below.
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 on 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 do 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 of 10 criteria is the project is eligible for funding.
This number equals the carbon dioxide equivalent and includes besides CO₂ the greenhouse gases methane and nitrous oxide accordingly.
To make our financing planneable we have based our calculations on the average yearly German carbon emissions according to the UBA. Your personal footprint is smaller? Great, you’re doing even more to protect the climate!
Diese zertifizierten Projekte werden von der Tomorrow Community gefördert.
Protect rainforest together with 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.
Every month we buy exactly as many CO₂ certificates as are necessary to compensate for the carbon footprints of all active Zero users. This means that the carbon savings reflect the number of certificates that we have bought so far from this project. Currently, we offset 60% of our users’ emissions through this project.
Access to clean drinking water in Eritrea
Two billion people around the world have no access to clean drinking water. In sub-Saharan Africa, contaminated water is one of the leading causes of death. Accordingly, people often have no other choice than to purify water by boiling it on an open fire using the simplest means. This releases CO₂ and leads to sections of forests being cut down for firewood, which in turn exacerbates the problems in these areas. The heavy smoke that develops when the water is boiled then leads to respiratory diseases, especially among women and children.
The project that we are now supporting in Eritrea helps communities to repair wells and avoid emissions. Every year, the project allows a total of 70,000 tonnes of CO₂ to be sequestered. Over 300 wells have already been repaired to date, providing 30,000 households with water. We are continuing this mission with a view to ensuring long-term access to clean drinking water that does not need to be boiled first. Cutting down fewer trees not only lowers our global CO₂ emissions but also reduces local soil erosion and desertification.
Every month, Tomorrow purchases from the active projects the exact amount of CO₂ certificates needed to offset CO₂ for its active Zero users. Savings to date reflect the CO₂ certificates purchased so far in connection with this project, which currently accounts for 40% of the emissions offset by Zero.
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.
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.
Every month we buy exactly as many CO₂ certificates as are necessary to compensate for the carbon footprints of all active Zero users. This means that the carbon savings reflect the number of certificates that we have bought so far from this project. Currently, we offset 50% of our users’ emissions through this project.