Sustainability Report 2025
How money can be invested in a good future. Our impact in 2025. Read the highlights here in English. The full report is available in German.
Our Impact in Numbers
Six numbers that show what we achieved together with our community in 2025.
€112M
€15.4M
2.8M m²
64,000 t
€1.5M
11,980
3 More Highlights from 2025
for social and climate projects
in the Fair Finance Guide
is renewed
Handprint
Everything we actively do to bring about positive change, whether through our products, our community or the projects we fund – this is what we call our handprint.
Ecosystem restoration
The Spekboom project in the Eastern Cape restored more than 2.8M m² of degraded land in 2025. 48 jobs were created, at least half of which were held by women – funded by the Interchange Fee, the Zero Account and referrals.
Rounding Up
Through Rounding Up, our community raised more than €720,000 in 2025 – for Women for Women International in (women’s empowerment), WWF Unganisha (ecosystems and biodiversity protection), and Project Tres (financial literacy and integration).
Climate Policy and Climate Farming
Through the Zero Account, Tomorrow has co-funded the production of 23 t of biochar and the sequestration of 64.4 t of CO₂ in 2025 and supported GermanZero which develops science-based climate protection plans (aim to achieving climate neutrality by 2035).
Sustainable Investments
Our customers’ money is never channelled into harmful industries such as coal-fired power generation or factory farming. Around 30% of customer deposits – currently €112M – are invested in sustainable, social and development bank bonds in line with the UN SDGs.
in sustainable bonds
in social bonds
in development bank bonds
Tomorrow Fund: €15.4M+ Assets Under Management
The Tomorrow Fund is a sustainable equity fund. A defined selection process ensures that the money supports companies that meet high sustainability standards, including the exclusion of climate-harmful industries such as coal and oil. The fund is aligned with the climate goals of the Paris Agreement.
Footprint
We track our emissions across all three scopes. For the year 2025, for the first time, we calculated not only our operational emissions but also our financed emissions, which arise from our financial investments.
What we are still working on
We're never done. These are some of the topics we're currently working on:
Climate Action Plan 2026
Develop a company-wide Climate Action Plan with clear reduction targets and measures to manage our key sources of emissions.
Financial Education
Expand further our financial education offering through new information formats in the app and webinars, specifically tailored to the needs of our customers.
Sustainable Investments
Relaunch the Tomorrow Fund and expand our offering to include at least one new sustainable investment product.
Want all the details?
Your account. Your impact.
Download the Tomorrow app now and open a sustainable 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.
Tomorrow GmbH offers the brokerage of the equity fund Tomorrow Fund and the Inyova Impact ETF as a tied agent within the meaning of § 3 para 2 WpIG in the name and for the account of lemon.markets brokerage GmbH and is entered in the public register maintained by the German Federal Financial Supervisory Authority (BaFin). The register can be viewed here.
* Interest rate of 3.1 % p.a. applies to customers who open a Tomorrow account and savings account between August 1 and August 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.
Disclaimer & risk notice: This capital investment is associated with risks as the value of your investments may increase or decrease in value. You may lose your invested money. Price developments in the past, simulations or forecasts are no reliable indicator of future performance.
The text does not contain investment advice or recommendations to buy or sell. Visualizations are for illustrative purposes only and do not represent actual or future performance of the fund or the Inyova Impact ETF.