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.
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Das Tomorrow-Konto wird von unserem Banking-Dienstleister, der Solaris SE, bereitgestellt. Die Solaris SE ist eine voll regulierte, europäische Bank, die von der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) zugelassen ist und beaufsichtigt wird. Deine Einlagen sind daher bis zu 100.000€ durch das deutsche Einlagensicherungssystem (DGS) geschützt. Diese Absicherung gilt pro Kund*in / pro Bank - in diesem Fall also der Solaris SE. Solltest du also mehrere Konten bei Solaris führen, gilt die Einlagensicherung für alle deine Konten insgesamt.
Die Bereitstellung der Bankdienstleistungen erfolgt über unseren Partner Solaris SE . Zusätzlich bietet die Tomorrow GmbH die Vermittlung des Anlageprodukts als vertraglich gebundener Vermittler im Sinne des § 3 Abs. 2 WpIG im Namen und auf Rechnung der lemon.markets brokerage GmbH an und ist in das öffentliche Register eingetragen, das von der Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) geführt wird. Das Register kann unter https://portal.mvp.bafin.de/database/VGVInfo/vermittlerSucheForm.do eingesehen werden.
* Der Zinssatz von 2,5% p.a. gilt für Kund*innen, die Tomorrow Konto sowie das Tagesgeldkonto zwischen 01.06.– 30.06.2026 eröffnen, für die ersten 90 Tage auf Guthaben bis 50.000€. Außerhalb des Aktionszeitraums gilt der reguläre Zinssatz deines gewählten Kontomodells - ebenfalls auf Guthaben bis 50.000 €. Now Kund*innen, die ihr Konto vor dem 19.02.2025 eröffnet haben, können kein Tagesgeldkonto eröffnen. Der*die Kund*in muss eine Deutsche Steuer-ID haben. Hier kannst du alle Bedingungen noch einmal nachlesen.