You both pay in every month by standing order, see every payment instantly via push notification and keep track of your shared spending with the monthly overview. Your personal accounts stay separate. To use the shared account, you both need your own checking account with Tomorrow.
Its own IBAN
Your shared account runs separately from your personal accounts. Those stay private.
Extra card
You each order one free card with your own design and use it to pay your shared costs.
One app, two accounts
In the app, you can easily switch back and forth between your personal and shared account.
Who owns the money?
Our shared account isn't a classic joint account. One of you opens it and becomes the account holder. The other person gets power of attorney, meaning the right to freely manage the account. For you, this means:
Legally, the money belongs to the person who opens the account.
Only they are liable for the account.
The power of attorney can be revoked at any time.
If you separate, you decide how to split things yourselves.
Whether you live together as a couple or share a flat for two: the shared account is made for all the costs you split between you.
For couples: Rent, weekly groceries, streaming subscriptions. You both pay in by standing order and the bills run through one account. No more working out who paid last.
For your two-person flatshare: Electricity, internet, toilet paper. Your flat kitty becomes its own account. No more notes on the fridge or complicated calculations.
How to get your shared account
You both need your own checking account with Tomorrow. One of you needs Change or Plus to open the account and invite the second person. To be invited, a Now account is enough.
1
Open
Whoever has Change or Plus sets up the account in the app and becomes the account holder.
2
Invite
The account holder invites the second person, who receives the invitation in the app.
3
Get started
Order your extra card and send money to the shared account – e.g. by standing order.
Choose the account that's right for you
Now
No paperwork. Ready to go.
from €0 per month
For anyone under 21 or who deposits €500 into their Tomorrow account every month.
Free Visa debit card
additional virtual card
1 free withdrawal per month¹
2 Sub-accounts and one with interest
The sub account with interest for your savings
Starter interest rate of 3.1 % p.a.*
for the first 90 days on the savings account as pocket with interest - after that 0.75 %
Climate protection contribution with every card payment
Tomorrow invests in the renaturation of ecosystems in South Africa
We want to show that finances can be easy to understand. That’s why we develop features so that they integrate intuitively into your everyday life.
Banking with Values
Money and how we use it is always political. That's why, with the Tomorrow account, not a cent is invested in fossil fuels or weapons—unlike at many other banks.
Real Community
We shape Tomorrow not just for you, but above all with you: a community that is represented as crowd investors in the most important forums.
Your account. Your impact.
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 October 1 and October 31, 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.
