Shared Accounts' Homescreen of the Tomorrow app

A designated space for your shared finances

With our joint account you budget together, stay in control of your shared spending and save money for a shared goal. The feature is included in our Change and Zero account.

Open account from €0 now

A man is looking over the shoulder of a woman who's holding a tablet

A cost shared is a cost halved.

Share the costs of the things you buy together. No need to trace back who paid what.

Our shared account will make your daily life easier.

Open a joint account within a few taps in the Tomorrow app

and invite your partner, roomie, or whoever you want. Both of you need a Tomorrow account and at least one of you needs to have a Change or Zero account.

Detail view of the "create shared account" dialogue

A Screen showing money transfer to a shared account

Easily transfer money from your personal to your shared account.

Make it reoccurring to prevent that your daily spendings break the bank.

Groceries, rent or holidays – banking is more fun together.

Always see in your shared overview who paid what to keep track of your spendings.

Who can use a joint account?

Do I share my personal account?

Who is the owner?

The person who sets up the account is officially its owner. The other person is authorized to use the account.

Therefore, it's not a joint account like most banks have it. At other banks both of you usually need to go through the entire verification process again when you want to open a joint account. At Tomorrow, setting up a joint account only takes a few minutes. You can use the account immediately in the app. And it has the same features as your private account.

A new bank card for your shared account.

Next to your personal card both of you get a card with a different design for your new account. So you won't mix up both cards when you're in a hurry.

Block your card, create a new PIN or change your daily limits.

Manage your cards easily in the app.

Screenshot of the block card functionality of the app

The Together App with the Together debit cards

Get your shared account by subscribing to Change or Zero.

Discover all benefits of our premium accounts.

Zero Change

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

Open account

* Interest rate of 2.5% p.a. applies to customers who open a Tomorrow account and savings account between August 1 and December 31, 2025, for the first 90 days on a maximum balance of €50,000. Outside of the promotional period, customers receive 0.75% interest p.a. on a maximum balance of €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.